With the Flipkart Axis Bank Credit Card, Earn unlimited cashback on Flipkart, Myntra, and top brands like Swiggy and Uber. Enjoy benefits like fuel surcharge waivers, airport lounge access, and exciting lifestyle rewards. With low annual fees and easy eligibility, this credit card is perfect for frequent online shoppers. Learn about features, fees, how to apply, pros and cons, and how it compares to other popular credit cards.
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Introduction: Why the Flipkart Axis Bank Credit Card is a Game Changer
Let’s face it — shopping online is more than just a pastime now; it’s practically a lifestyle. And if you’re like most savvy buyers, you’re always on the lookout for smarter ways to save. Enter the Flipkart Axis Bank Credit Card — your go-to plastic money that rewards you for doing what you already love: shopping online.
A Quick Overview
The Flipkart Axis Bank Credit Card is a co-branded credit card that brings together the best of Axis Bank’s financial prowess and Flipkart’s e-commerce dominance. Designed with online shoppers in mind, this card is loaded with cashback benefits, rewards, and lifestyle perks.
The Partnership Behind the Card
This isn’t just another credit card. It’s a strategic collaboration between Flipkart (India’s homegrown e-commerce giant) and Axis Bank, one of the country’s top private sector banks. Add in Mastercard as the payment partner, and you’ve got a rock-solid trifecta backing this product.
Key Features Of Flipkart Axis Bank Credit Card
Let’s break it down quickly — what’s in it for you?
Cashback on Popular Brands
- 5% cashback on Flipkart, Myntra, and 2GUD.
- 4% cashback on preferred partners like Swiggy, Uber, PVR, and more.
- 1.5% cashback on all other eligible spends.
Fuel Surcharge Waiver
Fueling up? You won’t pay that annoying 1% fuel surcharge anymore — up to ₹400 per month.
Airport Lounge Access
Need a breather while traveling? The card gives you 4 complimentary domestic lounge visits per year — one per quarter.
Benefits You Can’t Ignore
Here’s where this card shines and leaves most competitors in the dust.
Unlimited Cashback on Flipkart and Myntra
Yes, unlimited. No annoying caps or hidden limits. You shop, and you save — it’s that simple.
Rewards on Every Spend
You’re earning something almost every time you swipe.
Dining and Entertainment
With its 4% cashback on places like PVR and Swiggy, your weekend plans just got cheaper.
Other Online Transactions
You still get 1.5% cashback on other spends — not too shabby when compared to traditional credit cards that give less than 1%.
Fees and Charges: Flipkart Axis Bank Credit Card
Alright, let’s talk money — how much does it really cost to hold this card?
Annual and Joining Fees
- Joining Fee: ₹500 (plus taxes)
- Annual Fee: ₹500 (waived if you spend ₹2 lakh in a year)
Basically, if you’re even a semi-regular shopper, this card can pay for itself.
Interest and Late Payment Charges
- Interest rate: Around 3.6% per month
- Late payment charges vary based on your outstanding balance but can go up to ₹1200.
Always best to pay your bills on time — not just for your wallet but your credit score too.
Eligibility Criteria For Flipkart Axis Bank Credit Card
Not everyone can just jump in — here’s what you need to qualify.
Income and Age Requirements
- Minimum age: 18 years
- Maximum age: 70 years
- A steady income source is a must (usually ₹15,000+ per month)
Documents Needed
Be ready with:
- PAN card
- Aadhaar or Voter ID
- Proof of income (salary slips or ITR)
How to Apply for the Flipkart Axis Bank Credit Card
Applying is pretty straightforward — and you can do it from your couch.
Online Application Process
- Visit the Axis Bank or Flipkart website.
- Fill out the online form with your basic details.
- Upload your documents.
- Wait for verification and approval (usually within a few days).
Offline Alternatives
Prefer face-to-face? Walk into your nearest Axis Bank branch with your documents and apply the old-school way.
Pros and Cons: The Honest Truth
Pros:
- Massive cashback benefits
- Great brand partnerships
- Lounge access and fuel waiver
Cons:
- No international lounge access
- Slightly high interest rates
- Cashback only on select merchants
Tips to Maximize Your Card Benefits
- Use it only for Flipkart, Myntra, and partner brands to milk the maximum cashback.
- Pay the bill in full every month to avoid interest.
- Use the lounge access — even if just for coffee and Wi-Fi!
- Keep track of monthly spends to ensure you hit the ₹2L annual waiver threshold.
Conclusion
If you shop online frequently — especially on Flipkart or Myntra — this card is a total win. Between unlimited cashback, lifestyle perks, and manageable fees, the Flipkart Axis Bank Credit Card is built for the digital consumer.
But if your spends are more offline or spread out across non-partner brands, you might want to compare a few other cards first.
FAQs About Flipkart Axis Bank Credit Card
What is the Flipkart Axis Bank Credit Card?
It’s a co-branded credit card offered by Axis Bank in partnership with Flipkart that gives cashback and rewards for shopping online and on select partner brands.
Who is eligible to apply for this card?
Anyone aged 18–70 with a stable monthly income and a valid PAN and Aadhaar card can apply, subject to Axis Bank’s approval.
What is the joining and annual fee?
The joining and annual fee is ₹500, but the annual fee is waived if you spend ₹2,00,000 or more in a year.
How much cashback can I earn with this card?
You get 5% cashback on Flipkart and Myntra, 4% on select partners like Swiggy and Uber, and 1.5% on other eligible spends.
Is there a cap on the cashback earned?
No, there’s no upper limit on the cashback — it’s unlimited, making it ideal for frequent shoppers.
How is the cashback credited?
The cashback is automatically credited to your card account and adjusted in the next billing cycle.
Can I use this card internationally?
Yes, it works for international transactions, but cashback is not applicable, and forex markup charges will apply.
Does it offer airport lounge access?
Yes, you get 4 complimentary domestic airport lounge visits per year, one per calendar quarter.
Is there a fuel surcharge waiver?
Yes, there’s a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations, up to ₹400 per month.
How do I apply for the Flipkart Axis Bank Credit Card?
You can apply online through Flipkart or Axis Bank’s website, or visit an Axis Bank branch to apply offline.
Can I convert large purchases into EMIs?
Yes, Axis Bank offers EMI conversion options on eligible transactions made with the card.
What is the interest rate on outstanding balances?
The interest rate is approximately 3.6% per month (or 43.2% annually) if you carry forward unpaid balances.
Is there a mobile app to manage the card?
Yes, you can manage the card using the Axis Mobile app or through the internet banking portal.
What should I do if my card is lost or stolen?
Immediately block the card through the Axis app or call customer care to prevent misuse, and request a replacement.
How long does it take to get the card after approval?
Once approved, the card is typically delivered within 7–10 business days.