The Axis Flipkart Credit Card is one of the most popular cashback credit cards, providing customers with various cashback opportunities. With 5% cash back on purchases made at Flipkart, 4% cash back at preferred merchants, and 1.50% unlimited cashback on all other spends, customers can enjoy enhanced savings on a wide range of purchases.
Cashback credit cards are easy to understand since the redemption process is very straightforward – the cashback amount is simply paid into your credit card statement.
Brief Summary
Our View :
Best for those who are comfortable with online shopping/spending , and like to especially shop & spend on Flipkart. You get 5% cash back on purchases made at Flipkart, 4% cash back at preferred merchants, and 1.50% unlimited cashback on all other spends.
Annual fee of the card is ₹500. You get welcome offers of over ₹1000, and annual fee from the 2nd year onwards is waived off if you spend ₹2 lakhs or more in the previous year. Though this ₹2 lakh spend target is a little high, it is possible to achieve it if you use this card to earn special cashback on a wide range of outlets, especially Flipkart.
Flipkart Axis Bank Credit Card
Special Benefits
5% cashback on Flipkart
Other Benefits
Complimentary airport lounge access in India
Minimum Income
Not specified
Annual Fee
₹ 500
Annual Fee Offers
Welcome offer worth ₹1100
Renewal fee waived at annual card spend of ₹2 lakhs
Flipkart Axis Bank Credit Card: Summary Table
| 5% special cashback on Flipkart | You earn unlimited ₹5 , on every ₹100 you spend on Flipkart (website & app). Excluding Flipkart Flights & Hotels, and Flipkart Health. |
| 4% special cashback on select partners | You earn unlimited ₹4 , on every ₹100 you spend on – ▪︎ Food ordering – Swiggy ▪︎ Ridesharing – Uber ▪︎ Movies – PVR ▪︎ Travel – Cleartrip ▪︎ Satellite TV – Tata Play ▪︎ Fitness – Cult Fit – These partners are subject to change from time to time. |
| 1.50% basic cashback on all other spends | You earn ₹1.50, on every ₹100 you spend on all other purchases Exceptions : no cashback is given on fuel spends , purchase of gift cards on Flipkart & Myntra, EMI transactions , purchases converted to EMI post-facto, wallet loading transactions, purchase of jewelry items , insurance services, utilities, educational services, government services, cash advances, rental payments, payment of outstanding balances, payment of card fees and other card charges. |
| Complimentary airport lounge access in India | You get free visits to airport lounges in India – upto 4 times per year. |
| 1% fuel surcharge waiver | Fuel surcharge waiver at ALL fuel stations on – – all fuel purchases between ₹400 and ₹4,000 AND – on up to fuel purchases of ₹40,000 per month (since benefits capped at ₹400). On fuel purchases above ₹40,000 per month, fuel surcharge waiver will fall below 1% since maximum waiver is capped at ₹400. |
| ₹500 annual fee | Annual fee offers Welcome offers worth ₹600 ▪︎ ₹500 worth of Flipkart vouchers , given on the first transaction done with the card ▪︎ ₹100 discount on Swiggy : You get 50% instant discount only on your first order on Swiggy , subject to maximum cashback of ₹100 Renewal fee waiver at ₹3,50,000 card spend per year ▪︎ Annual fee is not charged from the second year onwards, if you spend ₹3.50 lakhs or more in the previous year. Hence the card is virtually free if you spend ₹3.50 lakhs or more annually. |
| Minimum income requirements | Salaried : ₹15,000 per month Self-employed : ₹30,000 per month |
Pros and Cons of Axis Bank Flipkart Credit Card
Pros
- 5% unlimited special cashback on Flipkart purchases
- 4% unlimited special cashback rate on specific merchants, such as Swiggy, Uber, PVR, Cleartrip, Tata Play, Cult Fit
- Complimentary airport lounge access at selected domestic airports – 4 per calendar year. This is not very common on cards with a similar low annual fee
- Welcome offers worth ₹600
Cons
- High annual spend target (₹2,00,000) to get renewal fee waiver. However, this card provides many opportunities to earn rewards, making it possible to achieve this annual spend target of ₹2 lakhs.
Comparing with Competitor Fuel Credit Cards
| Features |
Flipkart Axis Bank Credit Card
Our Rating
APPLY NOW
|
Amazon Pay ICICI Bank Credit Card
Our Rating
APPLY NOW
|
HDFC Millennia Credit Card
Our Rating
APPLY NOW
|
Axis Bank Ace Credit Card
Our Rating
APPLY NOW
|
|---|---|---|---|---|
| Cashback Rates |
1.5% – 5%
|
1% – 3%
|
1% – 5%
|
2% – 5%
|
| Other benefits | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver |
| Annual Fee |
₹500
|
No Annual Fees
|
₹1,000 + Applicable Taxes
|
₹499
|
| Annual Fee Offers |
Annual fee waived off on annual spends greater than ₹. 2,00,000.
| – |
Annual Fee Reversal on meeting ₹1,00,000 spends
|
Annual Fee waived off on annual spends greater than ₹. 2,00,000
|
| Minimum Income | Not Specified | Not Specified | Not Specified | Not Specified |
Full Review of the Card
Features & Benefits of the Axis Bank Flipkart Credit Card
5% cashback on Flipkart
Earning & redeeming cashback :
– You earn ₹5 cashback , on every ₹100 you spend on Flipkart – no monthly limits on earning special cashback rate. For example, if you make a purchase of ₹1,000 on Flipkart, you will get cashback of ₹50.
– Cashback will be paid into your credit card statement, 3 days before the next month’s card bill is generated.
4% cashback on select partners : Swiggy || Uber || PVR || Cleartrip || Tata Play || Cult Fit
Earning & redeeming cashback :
– You earn ₹4 cashback , on every ₹100 you spend on a variety of select partners – Swiggy, Uber, PVR, Cleartrip, Tata Play, Cult Fit. For example, if you make a purchase of ₹1,000 on Swiggy, you will get cashback of ₹40.
– Cashback will be paid into your credit card statement, 3 days before the next month’s card bill is generated.
For important terms & conditions, please click here.
1.50% cashback benefit on all other purchases
Earning & redeeming cashback :
– You earn ₹1.50 cashback, on every ₹100 you spend on all other purchases. For example, if you make a purchase of ₹1,000 on Amazon, you will get cashback of ₹15.
– Cashback will be paid into your credit card statement, 3 days before the next month’s card bill is generated
Exceptions & important terms & conditions : Spends on which no cashback is given –
– Fuel purchases
– Wallet load transactions
– Rent payments and property related payments – property management fees, rental commissions etc
– Jewelry & related payments : jewelry, silverware, watch, clock related payments
– Insurance payments
– Non customer initiated debits like annual fee and other fees
– Returns, refunds & cancellations
For a full list of terms and conditions, please click here.
Complimentary airport lounge access in India – upto 4 times per year
– If have a Mastercard version of the Flipkart Card, please click here
– If have a Visa version of the Flipkart Card, please click here
Dining Delights program – upto 15% discount at participating restaurants
This program is offered by Axis Bank, in partnership with EazyDiner. You get a 15% discount up to ₹500 on your restaurant orders , at over 4,000 restaurants nationwide. Minimum order amount required is ₹2,500.
Hence you get a 15% discount on orders between ₹2,500 and ₹3,333. On orders above ₹3333, your discount% falls below 15% since the maximum discount is fixed at ₹500. For example, if your order amount is ₹5000, you will get a maximum discount of ₹500 and your discount % would be 10%. And if your order amount is ₹2,000 , you get no discount since the minimum order value to avail the discount is ₹2,500.
This offer can be redeemed once every month.
For a list of participating restaurants and more information, please visit here.
Other Important Terms and conditions of the dining program :
– Offer Period: 1st July 2023 – 30th June 2024 (inclusive of both days)
– Offer applicable on booking via the Axis Bank Dining Delights Program on EazyDiner
– For escalations , you need to contact the ED Concierge Board Number / Email ID. Phone No.7861004444 Email: booking@eazydiner.com.
Other Cardholder Benefits
| 1% fuel surcharge waiver | Applicable fuel stations and brands : The fuel surcharge applies to all petrol stations. Monthly limits on waiver benefits : – Fuel surcharge waiver is applicable only on fuel transactions between minimum ₹400 and maximum ₹4,000 only, AND – On upto a maximum of ₹50,000 fuel spend per month (since the maximum waiver amount is ₹500 per monthly card statement cycle). |
| 24/7 customer support | Please click here for all the options to contact the bank for various issues and escalations |
| Security features | Chip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card. Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience. SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card. |
Card Fees and Charges
Annual fee & annual fee related offers
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹500 | Welcome offers worth ₹600 ▪︎ ₹500 worth of Flipkart vouchers , given on the first transaction done with the card ▪︎ ₹100 discount on Swiggy : – You get 50% instant discount only on your first order on Swiggy , subject to maximum cashback of ₹100 – So you get 50% discount , on purchase amount upto ₹200 (since cashback limit is ₹100), using the code AXISFKNEW. On purchases above ₹200, your cashback % will fall below 50% since the maximum cashback will remain ₹100. |
| Renewal Fee from 2nd year onwards | ₹500 | Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹2 lakhs or more in the previous year. (Rent transactions and wallet load transactions will not be considered as eligible spends , towards availing this annual fee waiver) Hence the card is virtually lifetime free if you spend ₹2 lakhs or more annually. |
Late payment fee : please see below table
| Pending card statement amount | Late Fees |
|---|---|
| Less than ₹500 | NIL |
| ₹501 to ₹5000 | ₹500 |
| ₹5001 to ₹10,000 | ₹750 |
| ₹10,001 to above | ₹1200 |
Foreign currency markup fee : 3.5% of the transaction value.
Finance charges: 3.6% per month
Important Note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Axis Flipkart Credit Card Fees & Charges
Eligibility Criteria
Please note that the below criteria are only indicative, and the bank reserves the ultimate right to approve or decline applications for Flipkart Axis Bank Credit Card.
| Minimum age | 18 years |
| Maximum age | 70 years |
| Occupation | Salaried or self employed |
| Residential Status | The individual can be a resident of India or an NRI |
| Minimum income requirements | Salaried : ₹15,000 per month Self-employed : ₹30,000 per month |
Applying & Tracking Your Application Status
Step-by-step guide –
| Quick & easy online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form. Steps : – Fill up the application form and submit your application. – Make sure to submit the required documents, including identity proof, address proof, and proof of income (list of required documents given in net section). – Review your application and click submit. – Await confirmation from Axis Bank regarding the status of your application. |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. To find the branch nearest to you, visit here. |
| Approval timeline | As per the bank website, the credit card decision would be communicated within 21 working days |
Necessary documents
| List of documents | – PAN card photocopy – Colour photograph – Income proof : Latest payslip/Form 16/IT return copy – Residence proof (any one of the following) : Passport , ration card, electricity bill, landline telephone bill – Identity proof (any one of the following) : Passport, driving license, PAN card, Aadhaar card Please note that this list is only indicative. Documents required may vary on a case-to-case basis. |
Tracking your credit card application status
| Application tracking | You can track the status of your application through the CC Tracker. You can see this on the Home page OR use the search bar & simply type in CC Tracker or Application Tracker. Steps : 1. Enter the application ID number (that you would have received at the time of applying for a card) & mobile number OR enter PAN number & mobile number (in case you do not remember your application ID number) 2. Next, enter the CAPTCHA, and then click on the Track button to check the status of your Flipkart Axis Bank Card application. |
Choosing the right card for your needs
As you have seen, the best cashback card depends on your personal circumstances. Some of the main points you should look at are –
| Are you eligible for the card | Your income, stability of income, credit scores (repayment history, length of repayment history, credit utilisation), and past relationship with the bank are some critical factors that play a role. Flipkart Axis Bank Credit Card also has a minimum income criteria – – Salaried : ₹15,000 per month – Self-employed : ₹30,000 per month |
| Your monthly spends / Are you comfortable having more than 1 card ? | Credit cards normally have certain promotion categories with higher benefits than their normal rewards rate. While this card has two promoted categories (Flipkart and preferred merchants), it gives 1.50% cashback on all other purchases, but it gives no rewards on categories like fuel. You can get higher than 1.50% on categories like travel, bill payments, fuel etc if you hold multiple specialist cards since each card will have a different promotion category like travel, fuel etc. So depending on your comfort and eligibility, you may like to hold more than 1 credit card. |
| Annual fee | Flipkart Card has attractive welcome offers worth ₹600, while the annual fee is ₹500. Renewal fee is not charged from the second year onwards if you spend ₹2 lakhs or more in the previous year. This card provides many opportunities to earn rewards, making it possible to achieve the annual spend target of ₹2 lakhs. Meeting this target can potentially make this card virtually free for life. |
Once you look at the above factors in detail, you should be able to decide if this is the right card for you.
Conclusion
As you can see, your personal circumstances would dictate the best credit card for you. Flipkart Axis Bank Credit card is a great all-around cashback credit card option, offering attractive rewards on Flipkart, and certain preferred merchants.
Apply Nowon Axis Bank website
Frequently Asked Questions
What is the validity of the Flipkart Axis Bank Credit Card?
The validity of the card is typically mentioned on the card and can vary. It is usually valid for a certain number of years from the date of issuance.
What are the eligibility criteria for the Flipkart Axis Bank Credit Card?
The eligibility criteria include factors such as nationality (Indian National & NRI), age (18-70), income (salaried : ₹15,000 per month , self-employed : ₹30,000 per month), employment status (salaried & self-employed), credit score, and existing relationship with Axis Bank. Please note that the below criteria are only indicative, and the bank reserves the ultimate right to approve or decline applications for Flipkart Axis Bank Credit Card.
Can I use the Flipkart Axis Bank Credit Card outside Flipkart and partner sites?
The Flipkart Axis Bank Credit Card can be used for transactions outside Flipkart and partner sites. It can be used at any merchant that accepts Visa/Mastercard credit cards, both domestically and internationally, subject to applicable charges and terms and conditions.
What should I do if my Flipkart Axis Bank Credit Card is lost or stolen?
If your Flipkart Axis Bank Credit Card is lost or stolen, it is important to immediately contact Axis Bank’s customer service or their 24×7 helpline to report the loss. The bank will then guide you on the necessary steps to block the card and prevent unauthorised usage.You can also block the credit card online, on your mobile app OR through SMS service. It is also advisable to file a police complaint and record the complaint number for future reference.