Flipkart Axis Bank Credit Card is one of the best cashback credit cards in India. Users will get up to 5% cashback on Flipkart, Myntra and other partner websites and 1.5% flat cashback on all other spending. This is the second-highest flat cashback rate in the market after Axis Bank Ace Card which offers 2% cashback. Being a co-branded card, the best benefits of the Flipkart credit card are inclined towards Flipkart and its partner merchants. Read on to find out whether this card would be the best pick for you.
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Key Highlights of Flipkart Axis Bank Credit Card |
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| Annual Fee | Rs. 500 | waived off on annual spends of Rs. 2 lakh or more |
| Best Suited For | Cashback, Shopping, and Travel |
| Welcome Benefits | Rs. 1,100 worth of joining and activation benefits from Flipkart, Swiggy & Myntra |
| Cashback Rate |
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| Paisabazaar’s Rating | ★★★★ (4/5) |
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Flipkart Axis Bank Credit Card is among the most popular credit cards in India. Here are the features and benefits of this card:
Flipkart Axis Bank Credit Card has a very generous welcome package amounting to a total of Rs. 1,100. Against the joining fee of Rs. 500, this stands as a great value back for the user. The welcome/activation benefit includes:
Other similar cards such as ICICI Amazon Pay Credit Card and Paytm SBI Card come with welcome benefits but not as generous as the Flipkart card.
Suggested Read: Best Credit Cards for Online Shopping
Flipkart Axis Bank Credit Card offers cashback in the following manner:
| Merchant Platform | Cashback |
| Flipkart and Myntra | 5% |
| Preferred Merchants (Uber, Swiggy, PVR, Curefit, Tata Sky, Cleartrip, Tata 1MG) | 4% |
| All Other Merchants | 1.5% |
The flat cashback rate on Flipkart is quite generous as compared to other cards in the market. Also, unlike the Amazon Pay ICICI Card where cashback is credited in the form of Amazon Pay Balance, the Flipkart card has kept it simple with a direct statement credit model. Whatever cashback you earn will be directly credited to your credit card account thus taking away the hassle of reward/cashback conversion.
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An Illustration to understand cashback earning on the Flipkart Credit Card
Let us assume that you spend Rs.50,000 in a billing cycle. The break-up of his spending is as follows:
Since EMI transactions are ineligible for cashback, the EMI transaction worth Rs.10,000 will be excluded from cashback calculation.
Total spendings eligible for cashback: Rs. 10,000 + Rs. 5,000 + Rs. 25,000 = Rs. 40,000
Now, cashback calculation for the same billing cycle would be:
Total cashback credit to the customer’s credit card = Rs. 1,075
Apart from the cashback and co-branded welcome benefits, you can also avail the following benefits on Flipkart Axis Bank Credit Card:
Check: Best Credit Cards for Free Domestic Airport Lounge Access
| Category of charge | Amount of charge |
| Annual Fee | Rs. 500 (waived off on spending Rs. 2 lakh in the previous year) |
| Finance Charges | 3.4% per month (49.36% per annum) |
| Late Payment Fee | For Outstanding Amount-
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*To view the most important terms and conditions, Click Here.
If you wish to apply for Flipkart Axis Bank Credit Card, you will be required to meet the eligibility criteria related to age, residential place, income, active credit card accounts, etc. Factors such as credit score, payment patterns, or delinquencies will also affect your chances of approval.
| Criteria | Details |
| Age Requirement | 18 to 70 years |
| Minimum Income Required | Salaried Individuals: Rs. 15,000 Self-Employed: Rs. 30,000 |
| Occupation | Salaried or Self-employed |
| Documents Required | Click here for the list of acceptable documents |
| Serviceable Cities | Click here for the list of serviceable cities |
Flipkart Axis Bank Credit Card is best suited to the needs of those who often shop online, especially with Flipkart, Myntra and other partner merchants. So, if you are loyal to these websites, you must get the card. However, if you are not sure whether you will be able to make the most of its benefits, here are a few points to help you make a choice:
Suggested Read: Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Bank Credit Card- Which is Better?
| Credit Card | Annual Fee | Comparative Feature |
| Amazon Pay ICICI Bank Credit Card | Nil | 5% cashback on Amazon for PRIME Members; 3% cashback for NON-PRIME Members |
| HSBC Cashback Credit Card | Rs. 750 | 1.5% cashback on online spends* and 1% on all other spends |
| Cashback SBI Card | Rs. 999 | 5% cashback across all online spends, without any merchant restrictions; 1% cashback across all other spends |
| Standard Chartered Super Value Titanium Credit Card | Rs. 750 | 5% cashback on fuel, telephone and utility bill payments |
| HDFC Millennia Credit Card | Rs. 1,000 | 5% cashback on select spending, 2.5% on online transactions, 1% on offline payments and wallet reload |
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Flipkart Axis Bank Credit Card is among the many co-branded cards launched with e-commerce platforms, over the last 2-3 years. Let us see how this card stands against two other popular credit cards:
| Parameters | Flipkart Axis Card | Amazon ICICI Card | Paytm SBI Card |
| Maximum Cashback | 5% | 5% | 5% (with Paytm SBI Card Select variant) |
| Flat Cashback Rate | 1.5% | 1% | 1.5% |
| Welcome Benefit | Benefits of Rs. 1,100 with card | – | Benefits of up to Rs. 75,000 with a complimentary Paytm First Membership |
| Lounge Access | 4 complimentary visits per year to domestic airport lounges | No complimentary lounge visit | International- Complimentary Priority Pass worth the US $99
Domestic- Complimentary 4 Domestic Lounge visits (only 1 visit per quarter) |
| Fuel Surcharge Waiver | 1% up to Rs. 500 per month | 1% on fuel surcharge every time you refuel | 1% Fuel Surcharge waiver for each transaction between Rs.500 and Rs.3000 | Maximum Surcharge waiver of Rs. 100 per statement cycle |
Will I get cashback on fuel transactions?
No, fuel transactions are not eligible for the cashback. Here are some more transaction types which are not eligible for the cashback:
Do I get any reward points on Axis Bank Flipkart Credit Card?
No, instead of reward, this Axis Bank credit card offers direct cashback for all transactions. The accumulated cashback will be directly credited in the statement.
Where can I avail the fuel surcharge waiver?
You can avail the fuel surcharge waiver at any petrol pump across India. The maximum waiver amount, however, has been capped at Rs. 500 per month. Also, the fuel transaction must be between Rs. 400 to Rs. 4,000. An amount above or below it will not be eligible for a surcharge waiver.
What is the foreign exchange markup fee?
Every time you make a payment in a foreign currency, a foreign exchange markup fee is charged on the amount. For Flipkart Axis Bank Credit Cards, this rate is 3.50%.
Can I withdraw cash from an ATM using this credit card?
Yes. You can withdraw cash up to the cash limit provided to you. However, a cash withdrawal fee will be charged at the rate of 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
How can I check my Flipkart Axis Bank Credit card status after applying?
To check your Flipkart Axis Bank Credit Card status you can connect with customer care or directly log on to the bank’s website. You can click here to know your application details. You will need your application id and your date of birth to access the status of your application.
How long will it take for my application to be processed?
After you have applied for the card and submitted all the necessary documents, it may take up to 21 working days for the bank to issue the card to you.
What are the customer care numbers for Flipkart Axis Bank Credit Card?
You can reach out to Axis Bank customer care via the following numbers, 1860-419-5555 and 1860-500-5555.
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