Flipkart and Axis Bank have together launched a co-branded credit card- The Flipkart Axis Bank Credit Card- which offers unlimited cashback on all your spending. Extra cashback on Flipkart, Myntra and other preferred merchants adds to the benefits of this card. Available at a low annual fee, it is one of the best shopping credit cards in India. Here is all you need to know about Axis Bank Flipkart Credit Card.
Key Highlights of Flipkart Axis Bank Credit Card |
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Flipkart Axis Bank Credit Card is gaining its place among the most popular shopping credit cards in India. Here are the features and benefits of this card:
Suggested Read: Best Credit Cards for Online Shopping
Cashback Offer – Earn cashback at the following rate:
Airport Lounge Access – Get 4 complimentary lounge visits to select airports within India per year.
Fuel Surcharge Waiver – Get up to Rs. 500 worth of fuel surcharge waiver per month on transactions between Rs. 400 and Rs. 4,000.
EMI Conversion – Users get exciting EMI offers when shopping at Flipkart. Additionally, transactions over Rs. 2,500 can be converted into EMIs.
Dining Offers – Get up to 20% discount on dining at select restaurants.
| Category of charge | Amount of charge |
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 |
| Finance Charges | 3.40% per month (49.36% per annum) |
| Cash Withdrawal Fee | 2.5%of the cash amount/Minimum Rs. 500 |
| Cash Payment Fee | Rs. 100 |
| Late Payment Fee | Nil for total payment up to Rs. 100 Rs. 100 if the total payment is between Rs. 101-Rs. 300 Rs. 300 if the total payment is between Rs. 301-Rs 1,000 Rs. 500 if the total payment is between Rs. 1,001-Rs 5,000 Rs. 600 if the total payment is between Rs. 5,001- Rs 10,000 Rs. 700 if the total payment is Rs. 10,000 or more |
| Cheque return or Dishonour Fee | Min. Rs. 450/ 2% of the amount |
| Fuel Transaction Surcharge | 1% of the transaction amount |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
To determine the eligibility of an applicant, Axis Bank judges them on several parameters such as age, city of residence and income. The minimum age is 18 years and the maximum age is 70 years. If you are found eligible on the basis of basic criteria, the bank will further check your profile in terms of credit score, past payment history, etc.
In addition to this, you are also required to submit documents such as identity proof, address proof and income proof. Any of the following documents can be accepted-
| Identity Proof | PAN Card, Aadhaar Card, Voter’s ID Card, Passport, Driving Licence or any other government approved photo ID |
Address Proof | Passport, Aadhaar Card, Utility bills (not more than 3 months old) or Any other government approved address proof |
| Income Proof | Bank statement for the last 3 months, Salary slips for the last 3 months, Audited financials for the last two years (for self-employed), Form 16, etc. |
Axis Bank Flipkart Credit Card is not available on Paisabazaar’s Platform. If you wish to apply for this card, you can send an online application through Axis Bank’s website or by visiting the nearest Axis Bank branch. Click here to locate a branch near you.
If you are still confused whether Flipkart Axis Bank Credit Card is good for you, given below are a few similar credit cards to compare it with.
| 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 |
| Citi Cashback Credit Card | Rs. 500 | 5% cashback on movies and utility bill payments; 0.5% cashback on 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 |
Do I get any reward points on Axis Bank Flipkart Credit Card?
No. The 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.
What is foreign exchange markup fee?
Every time you make 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 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.
I am so proud of the Paisabazaar team who has been so kind and generous with their advice.
This is the perfect credit card. Would definitely recommend this to all of you!
What an amazing credit card. Cannot tell you how lucky I feel to have known about this credit card.
This is the best card from Axis. Super like for this one. You should try too.
This credit card has brought such a good balance in my savings. So happy!
I feel so happy about using this credit card. It has simplified my life to such a great extent.
