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One of the top cashback credit cards in India, the co-branded Flipkart Axis Bank Credit Card is exclusively for people who regularly shop online at the popular e-commerce store Flipkart. Whether you are looking to buy daily household items, apparel, electronics, books, or simply doing some festive shopping, the Flipkart Axis Bank Credit Card will get you instant 5% cashback on Flipkart. The card also provides accelerated cashback of 4% on popular merchants like Swiggy, PVR, Uber, Tata Play, Cleartrip, and cult.fit along with travel, dining, and fuel benefits.

For added comfort and convenience, the Flipkart Axis Bank card also offers complimentary access to domestic airport lounges in India. This card is available at a low joining fee of Rs. 500 and is loaded with features. Keep on reading about the Flipkart Axis Credit Card to learn more and find out where this card stands in comparison to other popular cards, such as the ICICI Amazon Pay Credit Card.

Flipkart Axis Bank Credit Card
(5/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping |

Reward Type

Cashback |

Welcome Benefits

Introductory Benefits Worth Rs. 600 on Card Issuance

Movie & Dining

Up to 15% off at partner restaurants under Axis Bank's exclusive Dining Delights program

Rewards Rate

5% cashback on Flipkart, 4% cashback on preferred partners (Swiggy, Uber, PVR, and cult.fit), and 1% cashback on all other spends.

Reward Redemption

N/A

Travel

Accelerated Cashback (4%) on Uber Rides

Golf

N/A

Domestic Lounge Access

1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

Cardmembers are not liable for any unauthorized spends made on their card if loss of card reported within 3 days.

Spend Based Waiver

Annual fee waived on spends of Rs. 3.5 lakhs

Rewards Redemption Fee

NA

Rewards Redemption Fee

NA

Foreign Currency Markup

3.5% of the total amount

Interest Rates

3.6% per month (52.86% annually)

Fuel Surcharge

1% surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).

Cash Advance Charges

2.5% (Min. Rs. 500) of the withdrawn amount.

Add-on Card Fee

Nil

  • Welcome gifts worth Rs. 600.
  • 5% cashback on Flipkart.
  • 4% cash back on preferred partners, including Swiggy, Uber, PVR, TATA PLAY, and cult.fit
  • 1% cashback on all other retail spends (with a few exceptions).
  • 4 complimentary airport lounge access within India on spends of Rs. 50,000 in the previous three months.
  • 1% fuel surcharge waiver across petrol pumps in India for purchases worth Rs. 400 and Rs. 4,000. The maximum waiver is Rs. 400 per statement cycle.

Pros

  • Flipkart Axis Bank Credit Card offers a very good reward rate of 5% on all spends on the e-commerce website Flipkart. Apart from Flipkart, you also get a good reward rate of 4% on spends at partner merchants, including famous names like Swiggy, Uber, PVR, and cult.fit.
  • Another advantage of the Flipkart Axis Credit Card limit is that the card rewards you with cashback, which is directly adjusted against the card’s statement balance every month. Also, there is no upper limit on the amount of cashback that can be earned on the Flipkart Axis Bank Credit Card in a given month.

Cons

  • Flipkart Axis Bank Credit Card is definitely one of the best credit cards as far as online shopping is concerned, mainly if you prefer Flipkart for most of your purchases. You also get a cashback of 4% on online food delivery via Swiggy and on Uber rides. However, if you are someone who loves shopping offline at shopping malls or other small retail stores, Flipkart Axis Card is not the best pick for you as you get a cashback of 1% on offline spends.
  • Flipkart Axis Bank Credit Card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.

Flipkart Axis Bank Credit Card Cashback

  • 5% unlimited cashback on Flipkart.
  • 4% cashback on preferred partners, including Swiggy, Uber, Cleartrip, PVR, and cult.fit.
  • 1% cash back on all other online and offline spends, including Myntra.
  • There is no limit on the cashback earned with the Flipkart Axis Bank Credit Card.
  • Spends on Flipkart Smart Store (‘Bills and Recharges’ section) will earn you a cashback of 1% only (same as applicable to all other transactions).

Please note that cashback is not applicable to certain categories of transactions. These categories include fuel spends, rental payments, insurance, utilities, and education payments. Additionally, you will not receive cashback for purchases of gift cards on Flipkart or Myntra, purchases that have been converted to EMI, wallet reload, purchase of gold items, cash advances, payment of the card’s outstanding balance, and payment of card fees and payment made to government services.

Flipkart Axis Bank Credit Card Cashback

Flipkart Axis Bank Credit Card Features and Benefits

Welcome Benefits

You would get Rs. 600 worth of welcome benefits along with this credit card. You would need to make transactions of at least Rs. 100 to be eligible for cashback.

Rs. 500 Worth of Flipkart Vouchers

  • Simply make a transaction within the first 30 days of card issuance to take advantage of this offer.
  • You shall receive your Flipkart voucher in your e-mail.
  • This gift voucher cannot be redeemed for cash or credit.

50% on Swiggy Orders

  • 50% instant discount on your first purchase on Swiggy.
  • Maximum discount capped at Rs. 100.
  • A minimum cart value of Rs. 129 is needed, and this offer can be availed once per cardholder.

Dining and Movie Benefits

  • Dining benefit under the Axis Bank Dining Delights program that gives you 15% off up to Rs. 500 on dining bills at partner restaurants. This offer is valid at 10,000+ restaurants in India.
  • 4% cashback on food delivery with the Swiggy app. This accelerated cashback is not valid for Instamart or Genie.
  • Accelerated cashback (4%) on PVR tickets.

Travel Benefits

  • 4 free lounge access every year at select airports within India. From 1st May 2024, cardholders shall only be eligible for airport lounge access if they have made spends of a minimum of Rs. 50,000 in the last three calendar months. For newly issued cards the first month followed by the next three are waived off for the calculation of spend-based criteria.
  • Accelerated cashback (4%) on Uber rides.

Axis Bank Flipkart Credit Card Charges

  • Annual Fee: Flipkart Axis Credit Card charges a yearly membership fee of Rs. 500 per annum, which is waived off on annual spends of Rs. 3.5 lakhs or more in the previous year.
  • Interest Rate: The interest rate applicable on the Axis Bank Flipkart Credit Card is 3.6% per month or 52.86% annually.
  • Foreign Currency Mark-up: A forex mark-up fee of 3.5% of the transaction amount is applicable on all foreign currency transactions made with Axis Bank Flipkart Credit Card.
  • Card Replacement Fee: No card replacement fee is charged for issuing a fresh credit card in case you have misplaced/lost your existing Axis Flipkart Credit Card.

Who Should Apply for a Flipkart Axis Bank Credit Card?

Based on the advantages and drawbacks of the Axis Bank Flipkart Credit Card-

You Should Apply for a Flipkart Axis Bank Credit Card if-

  • You are someone who regularly shops online and prefers Flipkart over Amazon for most purchases.
  • You use Swiggy to order food and Uber to hail a taxicab or rent a car.
  • Four free lounge access per annum at domestic airports is enough for you.

You Should Consider Other Options if-

  • You prefer Amazon (or any other e-commerce website) over Flipkart for online shopping. If Amazon is the e-commerce portal of your preference, you should go for Amazon Pay ICICI Bank Credit Card.
  • You are more of an offline shopper. Flipkart Axis Bank Credit Card offers a high reward rate of 5% or 4% at select online merchants; the reward rate applicable on all offline transactions is just 1%.
  • Four airport lounge access per annum is not enough for you, or you want a credit card with railway lounge access.
  • You want a credit card that offers complimentary insurance benefits to the cardholder.

Credit Cards Similar to Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card, as you know, is an online shopping credit card best suited for online shoppers who rely on Flipkart and Myntra for their online shopping needs. There are many other credit cards currently available in the market that offer a higher reward rate on spends at a particular online merchant. Some such credit cards that provide a neck-to-neck competition, the Axis Bank Flipkart Credit Card, include the Amazon Pay ICICI Bank Credit Card and Paytm HDFC Bank Credit Card. The following table gives a pointwise comparison between the Flipkart Axis Bank Credit Card, Amazon Pay ICICI Credit Card, and Paytm HDFC Credit Card-

Features Flipkart Axis Bank Credit Card Amazon Pay ICICI Credit Card Paytm HDFC Bank Credit card
Reward Structure Cashback- adjusted every month against the card’s statement balance Cashback as Amazon Pay balance Cashback- credited to Paytm wallet
Reward Rate With Partners
  • 5% cashback on spends on Flipkart
  • 4% cashback on spends at partner merchants, including Swiggy, Uber, PVR, and cult.fit.
5% cashback on Amazon India for Amazon Prime members and 3% cashback for non-prime members.
  • 3% cashback on Paytm (Mall, Movies, and Mini apps).
  • 2% cash back on all other Paytm spends.
Reward Rate On Other Spends 1% 1% 1%
Cashback Max Cap No max capping applicable No max capping applicable No max capping applicable
Additional Benefits
  • 4 complimentary domestic airport lounge access every year.
  • Up to 20% off at partner restaurants under Axis Bank’s Dining Delights program.
Minimum 15% discount at partner restaurants under ICICI’s Culinary Treats Program. Additional 1% cashback (up to Rs. 100) every month on spending a minimum of Rs. 10,000 in the month.
Membership Fee Rs. 500 per annum, waived off on a minimum annual expenditure of Rs. 3.5 lakh Nil Rs. 49 per month, waived off on a monthly expenditure of a minimum of Rs. 5,000.

How to Apply for a Flipkart Axis Bank Credit Card?

Salaried individuals who have a monthly income of Rs. 15,000 or more and self-employed individuals who earn more than Rs. 30,000 monthly can easily get the Flipkart Axis Credit Card. You can apply for the Flipkart Axis Bank Credit Card online with CardInsider. All you have to do is follow these simple steps.

  • Click on the “Apply Now” button on your screen,
  • Enter all the necessary details and upload all the documents required to submit the application,
  • Submit your application.

How to Check Axis Bank Flipkart Credit Card Application Status?

Once you have applied for the Axis Bank Flipkart Credit Card, the bank usually takes 10 to 15 days to process your application. To track your credit application anytime post submission of the application along with the required documents-

  • Visit Axis Bank’s credit cards application tracking page.
  • You can track your credit card application either using your Application ID or with your mobile number/PAN.
  • Select your desired method of application tracking, enter the captcha, and click/tap on Submit.
  • You will now be able to view the status of your credit card application on the page that opens.

Flipkart Axis Bank Credit Card Review

The Axis Bank Flipkart credit card gives you very good returns if you love to shop online, and Flipkart is the e-commerce platform of your choice. Apart from Flipkart, you also get fairly good rewards (4%) from preferred merchants, including popular names like Swiggy, Uber, TATA Play, and PVR. Despite being an entry-level card, it offers four complimentary domestic lounge access and dining benefits under Axis Bank’s Dining Delights program.

The only competitor of this card in the market is the Amazon Pay ICICI Bank credit card, which has a zero membership fee but offers fewer additional benefits. Now, if you’re a digital shopaholic, you can not go wrong with either of the two. You can even sign up for both, or if you have to choose between the two, you must evaluate your needs- whether you need complimentary lounge visits and how important the additional cashback benefit you get with other merchants is. Before you make a choice, you should have comprehensive information about the benefits each of the two cards offers.

What do you think of this co-branded credit card? Which one would you pick between the two? Please let us know in the comments below.

FAQs:

There is no limit to the cashback that you can earn in a given month.
Yes, you get 4 domestic airport lounge access per annum with the Flipkart Axis Bank Credit Card. However, you do not get any international airport lounge access with the card.
You get a cashback of 4% on spends on partner merchants which include Swiggy, Uber, PVR and cult.fit.
No cashback benefit is applicable on fuel transactions. However, 1% fuel surcharge is waived for transactions between Rs. 400 and Rs. 4,000, subject to a maximum waiver of Rs. 400 in a given calendar month.
Flipkart Axis Bank Credit Card comes with an annual fee of Rs. 500.
You can block your Flipkart Axis Bank Credit Card by simply sending an SMS- BLOCK <your 16-digit credit card number> to 5676782. Alternatively, you can also dial Axis Bank's 24-hour helpline number 18604195555/18605005555 and get your credit card blocked.
Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

(5/5)

29 Comments

  1. Tarun Reply

    When we have to repay our credit card spend of Flipkart axis Bank credit card

    • Kartik Kanwar Reply

      Usually you would have to pay your credit cards dues between a cycle of 30 to 50 days.

  2. Raama Reply

    Do we get 1.5% chasback on LIC insurance payment using the Flipkart Axis Bank Crdit Card?

    • Kartik Kanwar Reply

      No, insurance payments are not eligible for cashback.

  3. Santosh Reply

    This is now useless card. Much changes by Axis Bank so now zero use. in my statement I see zero cashback on utilities, insurance, govt service like exam fee payment.

  4. Laxmi Reply

    Are there any hidden perks or features of the Flipkart Axis Bank Credit Card that we might miss?

    • Kartik Kanwar Reply

      All benefits are mentioned above.

  5. Bharat Paul Reply

    I am confused between the Flipkart Axis Bank Credit Card and the Amazon Pay ICICI Bank Credit Card. Can you help me choose the best option?

    • Kartik Kanwar Reply

      If you regularly purchase from Flipkart you should opt for the Flipkart Axis. Whereas Amazon loyalist should go with the Amazon ICICI Bank Credit Card. These co-branded cards have their unique benefit and are centered around one or the other e-commerce platform.

      • Sharim Reply

        Here , for offline transactions cashback is 1%
        But on flipkart app it is showing 1.5% for the same..
        HOW

        • Kartik Kanwar Reply

          Because from 20th April the terms regarding the card shall be changed. This page reflects the latest updates.

  6. Harshit Reply

    I got this card last week. As i am a Axis bank account holder plus have their other credit card, they have given me this within a week time. Every time i use this card for any purchase for any amount on Flipkart, Myntra i get 5% cash back except for EMI transactions. 4% on Uber and Uber eats. 1.5% on all other spends (like used in any stores). As a joining benefit will get Rs.500 Flipkart voucher. The cashback will be added after few days to the card statement. I would definitely recommend this card for everyone.

  7. Abhishek Reply

    How much time will it take to reach the customer after applying for a Flipkart Axis Bank credit card?

    • Kartik Kanwar Reply

      You shall receive the card in 7 to 10 days once application is approved.

  8. Ekta Sharma Reply

    Earlier when my husband received the card, he got more welcome benefits, but when I got my Flipkart Axis credit card I received fewer welcome benefits.

    • Kartik Kanwar Reply

      Yes, welcome benefits have now been reduced.

  9. Varun Reply

    I own an HDFC credit card and i receive 1000 points as a welcome bonus, but they’re no bonus at all on the Flipkart Axis Bank credit card. Moreover, the cashback i got from Axis Bank is only redeemable on Flipkart.

  10. Ashok Reply

    I own this card firstly there was zero welcome bonus from the bank, Secondly the minimum annual expenditure is very high for such a card, I want to switch to another card coz m not getting any special benefits even some other cards with no annual fee are offering better.

  11. Sahil Reply

    There is an error redeeming the voucher when i was redeeming it said the voucher was already redeemed. The problem was solved later on but it should not be happening.

  12. Alok Reply

    What is your interest rate for due payments, and how many did you inform your customer regarding bill payments? Do you guys also increase the card limit for long-term users If so, for how long one has to hold the card?

  13. Akhil Reply

    How many cards can i hold at a time and how to apply? What are the advantages of using it abroad and can i also increase the limit of this card?

  14. Sohail Reply

    I want to exceed the limit of this credit card what are the requirements for that?

    • Kartik Kanwar Reply

      You can check your Bank’s app or contact the bank directly to see if you are eligible for any upgrades.

  15. Hemant Reply

    Flipkart Axis Bank Credit card has a lot to offer but at the same time, it also has a unique appearance in terms of reliability and accessibility. Guidance given by the cardinsider.com is good?

  16. Sudhir Reply

    Is this card offer cashback on mobile recharge????

    • Kartik Kanwar Reply

      You shall get 1% cashback for this.

  17. Jiya Sharma Reply

    They cancleled my card even though i regularly used it. These mass cancellations by Axis Bank were just wrong.

  18. Rupinder Reply

    Love the Flipkart Axis Bank card! 5% cashback on Flipkart is amazing, especially for frequent shoppers like me. Plus, the 4% on other partnered stores is a nice bonus. Easy application process and great customer service too!

  19. charu Reply

    Switched to the Flipkart Axis Bank card recently, and I’m glad I did. The cashback structure, especially on Flipkart and partner stores, is fantastic. The card also offers other benefits like fuel surcharge waiver, making it a well-rounded option.

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