What is Flex by Google Pay

Flex by Google Pay is a digital credit card built for everyday payments in India. It works entirely inside the Google Pay app and runs on the RuPay network. Instead of using a bank balance, users can pay through UPI using a credit line. As a result, daily payments become more flexible without changing familiar habits.

Moreover, Flex removes the need for a physical card. Users apply digitally and complete the process within minutes. Once approved, they can start using credit directly from their phone. This approach keeps the experience simple and accessible for regular users.

Why Google Pay introduced Flex

Credit usage in India remains limited for everyday spending. Although personal loans have grown, transactional credit still reaches fewer users. Many people also find traditional credit cards difficult to understand. Because of this, Google Pay aims to simplify how credit fits into daily life.

Instead of adding complexity, Flex blends credit into UPI workflows. Therefore, users get flexibility while staying in control. The product targets people who already trust UPI but want short-term credit support.

How Flex by Google Pay works

Flex works wherever UPI works. Users can scan QR codes at offline stores or pay on apps and websites. However, the payment uses a credit line instead of a savings account. This shift helps users manage expenses without altering payment behavior.

Additionally, Flex offers instant rewards. Users earn stars on eligible transactions and redeem them immediately. Each star equals one rupee, which adds clear value. At the same time, users can choose to pay the full bill or convert spends into EMIs. Google Pay shows all repayment options inside the app.

Managing spending and security

Flex gives users direct control over their credit activity. They can track spending in real time and view upcoming bills. Furthermore, users can set transaction limits based on comfort levels. If needed, they can block or unblock the card instantly.

Users can also reset their PIN directly inside the app. As a result, they no longer depend on bank visits or support calls. This level of control helps users feel confident while using credit.

Availability and rollout in India

Flex by Google Pay is available exclusively through the Google Pay app. Users can apply at zero cost from anywhere. After approval, they can start transacting within minutes.

Currently, Google Pay has begun a phased rollout across India. Interested users can join the waitlist inside the app. Over time, Google Pay plans to expand Flex with additional bank partners.