Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card delivers high cashback on Flipkart, Myntra, and preferred merchants, making it ideal for avid online shoppers seeking maximum savings and exclusive lifestyle rewards.
Apply Now ❯| Feature | Details |
|---|---|
| Bank / Issuer | Axis Bank |
| Card Type | Mastercard, Visa |
| Joining Fee | 500 Lifetime free for select channels |
| Annual Fee | 500 Lifetime free for select channels |
| Welcome Benefits | ₹350 worth of activation benefits (including ₹250 Flipkart voucher on first transaction for paid cards) |
| Fee Waiver Condition | Annual fee of ₹500 is waived if you spend ₹3.5 lakh or more in a year |
| Reward Rates | Earn 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, and 4% on Swiggy, PVR, etc, 1.5% on other online spends on all online spends & 1% on offline transactions |
| Interest Rates | 3.6% per month (52.86% per annum)3.6% per month (52.86% per annum) |
| Foreign Exchange Markup | 3.5% on international spends |
| Best For | Online Shopping |
Key Features & Benefits
The Flipkart Axis Bank Credit Card is crafted to maximize savings for frequent online shoppers and lifestyle enthusiasts. Cardholders enjoy up to 7.5% cashback on Myntra and 5% cashback on Flipkart and Cleartrip, complemented by an unlimited 4% cashback on preferred merchants like Swiggy, Uber, and PVR, making everyday spends more rewarding. The cashback on offline transactions at 1% further adds value for versatile use.
Welcome benefits include a ₹350 activation package with Flipkart vouchers to kickstart your rewards journey. The card’s fees are manageable, with a ₹500 annual fee waived on spends above ₹3.5 lakh per year, ensuring cost-effective usage.
The competitive interest rate of 3.6% per month supports flexible repayments.
Ideal for millennials and tech-savvy users, the Flipkart Axis Bank Credit Card combines strong cashback benefits, lifestyle perks, and practical travel privileges, making it a comprehensive choice for optimizing your shopping and travel experiences while enjoying financial protection and convenience.
All You Need to Know About: Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card is issued by Axis Bank and operates on the Visa or Mastercard network. It has a joining fee of ₹500 and an annual fee of ₹500 from the second year, which can be waived on annual spends exceeding ₹3.5 lakh (excluding rent and wallet loads). The card offers welcome benefits worth ₹350, including a ₹250 Flipkart voucher on the first transaction.
Rewards include 7.5% cashback on Myntra (capped at ₹4,000 per quarter), 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter per merchant), unlimited 4% cashback on preferred merchants such as Swiggy, Uber, and PVR, 1.5% cashback on other online spends, and 1% cashback on offline transactions. Cashback excludes fuel, gold, EMI transactions, cash advances, fees, wallet loads, and bill payments.
The credit card charges interest at 3.6% per month (52.86% per annum) on outstanding balances. Foreign currency transactions attract a 3.5% markup fee.
Additional fees include a 2.5% cash withdrawal fee with a minimum of ₹500, late payment fees ranging from ₹100 to ₹1,000, overlimit penalty of 2.5% on the exceeded amount, and surcharges on wallet loads above ₹10,000, fuel spends over ₹50,000, education payments, utility bills over ₹25,000, and online gaming above ₹10,000 per billing cycle.
The card is best suited for frequent online shoppers on Flipkart, Myntra, and partner merchants, as well as urban professionals looking for cashback rewards. It is less optimal for frequent international travelers due to foreign exchange fees.
To apply, visit the official Axis Bank or Flipkart credit card webpage, fill in the required personal and financial details, and submit your application online. Approval status will be communicated via SMS or email, and the physical card is delivered to the registered address.
Pros & Cons
Pros
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High cashback rates on Flipkart, Myntra, and preferred merchants..
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Welcome benefits including Flipkart vouchers worth ₹350.
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Annual fee waiver on spends above ₹3.5 lakh.
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1% cashback on offline transactions adds versatility.
Cons
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Joining and renewal fees applicable for some users.
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Foreign exchange markup of 3.5% on international spends.
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Cashback excludes fuel, EMI, wallet loads, and some payments.
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No lounge access.
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Not ideal for frequent international travelers due to forex charges.
How to Apply
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Visit the official Axis Bank credit card webpage or Flipkart credit card page.
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Click on the “Apply Now” button under the Flipkart Axis Bank Credit Card option.
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Fill in your details such as name, mobile number (linked with Aadhaar), PAN, and income information.
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Submit your application and documents online; you will receive application status updates via SMS/email.
Once approved, your card will be delivered to your registered address within a few days.
Detailed Fee Structure
The Flipkart Axis Bank Credit Card charges a ₹500 joining fee and ₹500 annual fee from the second year onwards, waived on annual spends above ₹3.5 lakh (excluding rent and wallet loads). Finance charges stand at 3.75% per month (55.55% per annum) on outstanding balances. Cash withdrawals incur a 2.5% fee (minimum ₹500). Late payment fees range from ₹100 to ₹1,000 based on the due amount. Overlimit penalty is 2.5% of the excess amount (minimum ₹500). Cheque return or auto-debit reversal fees are 2% of the payment amount (minimum ₹500). Foreign currency transactions carry a 3.5% markup, while dynamic currency conversion attracts a 1.5% fee. Additional 1% surcharges apply on wallet loads over ₹10,000, fuel spends over ₹50,000, education payments, utility bills over ₹25,000, and online gaming above ₹10,000 in a statement cycle. Card replacement fees and most service fees are waived for convenience. Taxes apply as per government norms.
Who Should Get This Card?
The Flipkart Axis Bank Credit Card is best for avid online shoppers who frequently buy on Flipkart, Myntra, and partner merchants like Swiggy and Uber. It suits millennials and urban professionals looking to maximize cashback earnings. Ideal for users with high annual spends who want to save on everyday online and offline purchases while benefiting from exclusive e-commerce discounts. Not recommended for frequent international travelers due to forex charges, but perfect for those focused on domestic shopping and lifestyle rewards.
Alternatives & Competitor Comparison
| Feature | Flipkart Axis Bank Credit Card | Axis Bank My Zone Credit Card |
|---|---|---|
| Card Image | |  |
| Card Network | Mastercard, Visa | Mastercard, RuPay, Visa |
| USP | Flipkart Axis Bank Credit Card delivers high cashback on Flipkart, Myntra, and preferred merchants, making it ideal for avid online shoppers seeking maximum savings and exclusive lifestyle rewards. | Axis Bank My Zone Credit Card is designed for lifestyle-savvy users who want maximum savings on dining, streaming subscriptions, bill payments, and online orders. Enjoy exclusive cashback offers, reward points on everyday spends, and hassle-free UPI transactions, making it a smart choice for millennials and frequent spenders seeking convenience and value. |
| Annual Fee | 500 Lifetime free for select channels | 500 Lifetime free for select channels |
| Joining Fee | 500 Lifetime free for select channels | 500 Lifetime free for select channels |
| Welcome Benefits | ₹350 worth of activation benefits (including ₹250 Flipkart voucher on first transaction for paid cards) | Complimentary SonyLiv Premium annual subscription worth ₹1,499 on your first card transaction within 30 days of issuance |
| Lounge Access | N/A | Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months |
| Reward Rate | Earn 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, and 4% on Swiggy, PVR, etc, 1.5% on other online spends on all online spends & 1% on offline transactions | Earn 4 EDGE reward points for every ₹200 spent (reward rate ~0.4%). |
| Interest Rate | 3.6% per month (52.86% per annum)3.6% per month (52.86% per annum) | 3.75% per month (equivalent to approx. 46.78% per annum) on unpaid amounts and cash advances. |
| Best For | Online Shopping | Food Ordering, Movies |
| Apply Now | Apply Now | Apply Now |
Frequently Asked Questions
What are the key benefits of the Flipkart Axis Bank Credit Card?
The Flipkart Axis Bank Credit Card offers up to 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, 4% on preferred merchants like Swiggy and Uber, plus 1% cashback on offline spends.
How can I earn cashback with the Flipkart Axis Bank Credit Card?
You earn unlimited cashback on all spends with accelerated rates of 7.5% on Myntra, 5% on Flipkart, 4% on select merchants, and 1.5% on other online spends. Offline transactions earn 1% cashback.
What is the fee structure of the Flipkart Axis Bank Credit Card?
The card has a ₹500 joining fee and ₹500 annual fee applicable from the second year, waived on annual spends above ₹3.5 lakh. Finance charges are 3.75% per month on unpaid balances.
How many complimentary lounge visits are provided with the Flipkart Axis Bank Credit Card?
After the recent changes in Axis Bank Terms and Conditions, The Flipkart Axis Bank Credit Card does not offer complimentary lounge access.
Can I use the Flipkart Axis Bank Credit Card for international transactions?
Yes, the Flipkart Axis Bank Credit Card can be used internationally, but it attracts a foreign currency markup fee of 3.5% on international spends, making it less cost-effective for frequent international travelers.
Final Verdict
Is the Flipkart Axis Bank Credit Card right for you? If you’re a frequent online shopper who loves cashback and exclusive rewards on platforms like Flipkart and Myntra, this card offers compelling value with high cashback rates and lifestyle perks . Its fee waiver on high spends and versatile cashback on offline transactions add to its appeal. However, if you travel internationally often, the forex fees might be a drawback. Overall, it’s a great choice for millennials and urban professionals focused on maximizing online and lifestyle rewards. Apply now to start saving on your everyday purchases and enjoy premium benefits tailored for savvy shoppers.
