Flipkart Axis Bank Credit Card Review

January 20, 2020Sakshi RatheeCredit Card

Flipkar Axis Bank Credit Card Rating

Reward Points ★
Cashback ★★★★
Annual Fee ★★★
Travel Benefits ★★
Offers & Discounts ★★★★

Overall Rating ★★★

Axis Bank’s Flipkart credit card is best suited for cashback lovers, especially for individuals who are Flipkart loyalists. It comes with welcome benefits on various brands and cashback on select brands. Here is our detailed review of Flipkart Axis Bank credit card that can help you decide if you can give this one a go ahead –

Key Highlights:

5% cashback on Flipkart, Myntra and 2GUD along with 4% cashback at select merchants
4 complimentary airport lounge access within India in a year
1% fuel surcharge waiver across all fuel stations in India
Dining discount up to 20% off at partner restaurants within the country
Convert transaction above Rs.2,500 into easy EMIs
Welcome Benefits on brands like Flipkart, Gaana, Goibibo and much more

Welcome Benefits with the Top Brands

Flipkart Axis Bank credit card comes with some great offers with their welcome benefits. Have a look:

Brand	Offer Details	Terms and Conditions
Flipkart	Get Flipkart voucher worth Rs.500 on the first transaction.	*The transaction should be made in the first 30 days and the voucher will be sent to the registered mobile number.
Gaana	Avail unlimited Gaana Plus membership for 6 months and 50% off for the next 6 month subscription.	*This offer is valid for Flipkart and Axis Bank customers only in India and on Android platform only.
Goibibo	Get Rs.500 off on booking a hotel with goibibo on minimum booking of Rs.2,000.	*Offer is valid on domestic hotel bookings only.
MakeMyTrip	Discount of Rs.500 on domestic hotel on MakeMyTrip on minimum booking amount of Rs.2,000	*Use Promocode: MMTAXISFK
Myntra	Up to 15% cashback on the first transaction on Myntra with Flipkart Axis Credit Card	*This offer can be used only on the first transaction and the cashback earned will be processed within 45 days
UrbanClap	Get 20% discount up to Rs.400 for the first time UrbanClap users	*The offer is applicable only on the first transaction done via UrbanClap

Other Features of Axis Bank Flipkart Credit Card

Complimentary Airport Lounge Access – Being primarily a shopping credit card, Axis Bank Flipkart makes sure to cover all the categories and with that being said, the complimentary domestic airport lounge access is a boon for the frequent travellers too. Get 4 complimentary lounge visits in Delhi, Bangalore, Mumbai, Pune, Chennai, Hyderabad and Kolkata every year.
Fuel Surcharge Waiver – Enjoy 1% fuel surcharge waiver across all fuel stations in India. Valid on fuel transactions between Rs.400 and Rs.4,000 with maximum benefits up to Rs.500, however, no cashback is earned on any fuel transactions.
Dining Discounts – With Flipkart Axis Bank credit card, one can enjoy and explore variety of cuisine at different partner restaurants with 20% discount on the bill.

Check more credit cards from Axis Bank?

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Fee and Charges of Flipkart Axis Bank Credit Card

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

Other Shopping Credit Cards You Can Opt For

There are other credit cards avaliablethat come with additional online shopping benefits. SBI SimplyClick, ICICI Bank Amazon Pay, Standard Chartered Digismart are some alternatives for online shopping apart from Flipkart Axis Bank credit card.

Top Shopping Credit Cards	Annual Fee*
SBI SimplyCLICK Credit Card	Rs. 499
HDFC Moneyback Credit Card	Rs. 500
ICICI Bank Amazon Pay Credit Card	NIL
American Express SmartEarn Credit Card	Rs. 495
Standard Chartered DigiSmart Credit Card	Rs. 49/month
HSBC Cashback Credit Card	Rs. 750

Who should get Flipkart Axis Bank Credit Card?

With the mentioned benefits on Flipkart, Myntra and other partner merchants, the card is best suited for online shoppers. The card is ideal for cardholders who are:

Looking for discounts and offers on online shopping
Looking for a low annual fee credit card
Looking for airport lounge access within India
Looking for your first credit card with Axis Bank

Drawbacks of Flipkart Axis Bank Credit Card

Few downsides that were noted with this credit card are:

The card offers cashback on online spends only. There is no cashback earned on fuel
No International airport lounge access comes with this card
If you are looking for reward points, you can perhaps choose other credit cards as Axis Flipkart is primarily a cashback credit card
No milestone rewards are earned which may disappoint frequent travellers

Bottom Line

Flipkart Axis Bank credit card is best suited for first time cardholders who love to shop online and are looking for cashback on most purchases.The low annual fee, discounts and offers on online shopping along with dining benefits are some advantages that this card has to offer. The card works best for users who shop frequently online on Flipkart, Myntra etc.

If you are an online shopper, do look at ICICI Amazon Pay and American Express SmartEarn as well. They have better online deals and reward points structure.

Liked our review of Flipkart Axis Bank credit card? Let us know your suggestions in the comment section below.

Sakshi Rathee

Sakshi is an avid blogger with a keen interest in the financial sector and Indian politics. She is currently working with Paisabazaar.com as Senior Content Writer and aims to expand her knowledge and expertise in the field of finance.