By: OurMoneyGuide || Last updated on: May 8, 2024

The Axis Flipkart Credit Card is one of the most popular cashback credit cards, providing customers with various cashback opportunities. With 5% unlimited cashback on purchases made at Flipkart, 4% unlimited cash back at preferred merchants, and 1% 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 Rating

4.50 / 5

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% unlimited cashback on all other spends.

Annual fee of the card is ₹500. You get welcome offers worth ₹600, and annual fee from the 2nd year onwards is waived off if you spend ₹3.50 lakhs or more in the previous year.

Pros & Cons of Flipkart Axis Bank Credit Card

Pros

  • 5% unlimited cashback on Flipkart purchases
  • 4% unlimited cashback rate at specific merchants, such as Swiggy, Uber, PVR, Cleartrip, Cult Fit
  • Complimentary airport lounge access at domestic airports – 4 per calendar year.
  • Welcome offers worth ₹600

Cons

  • High annual card spend requirement (of ₹3.50 lakhs) to get renewal fee waiver.

Features & Benefits of the Flipkart Axis Bank Credit Card

5% cashback on Flipkart

You earn ₹5 as cashback, on every ₹100 you spend on Flipkart. There are no monthly limits on earning special cashback rate. For example, if you make a purchase of ₹10000 on Flipkart, you will get cashback of ₹500.

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 || Cult Fit

You earn ₹4 as cashback, on every ₹100 you spend at these partners. This is valid for purchases above ₹100. For example, if you make a purchase of ₹2000 on Swiggy, you will get cashback of ₹80.

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% cashback benefit on all other purchases

You earn ₹1 cashback, on every ₹100 you spend on all other purchases. For example, if you make a purchase of ₹1000 on Amazon, you will get cashback of ₹10.

Exceptions : No cashback is given on the following card spends – fuel, gift cards on Flipkart & Myntra, EMI transactions, wallet loads, jewellery, insurance, utilities, educational services, government services, cash advances, rent, payment of outstanding balances, payment of card fees and other card charges.

Cashback will be paid into your credit card statement, 3 days before the next month’s card bill is generated.

For a full list of terms and conditions, please click here.

Complimentary airport lounge access in India – 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

To access complimentary lounge from 1st May 2024 onwards, you need to have spent a minimum of ₹50,000 on your credit card in the previous 3 months. 

In case of a newly issued card, the minimum spend criteria is waived for the month of card issuance as well as for the following three months. For example, if card issuance date is 20th March 2024, you will be able to access lounge for the period 20th March to 30th June 2024, without any minimum spend requirement. But if you want to avail lounge access after this period (in this case July 2024), then you will be able to do so only by spending ₹50,000 from 1st April to 30th June 2024 (preceding 3 months).

Dining offers in partnership with EazyDiner (Dining Delights Program) : 15% discount (upto ₹500) once a month, 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 4000 restaurants nationwide. For a list of participating restaurants and more information, please visit here. Minimum order amount required is ₹2500. 

Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage 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 percentage would be 10%. And if your order amount is ₹1800, you get no discount since the minimum order value to avail the discount is ₹2500.

This offer can be redeemed once every month.

Fuel surcharge waiver

You get a 1% fuel surcharge waiver, only on fuel transactions between ₹400 and ₹4000. And on fuel purchases upto ₹40,000 per month, since the maximum waiver amount is restricted to ₹400 per monthly card statement cycle.

Axis Bank 24/7 customer care support

Please click here for all the options to contact the bank for various issues and escalations.

Flipkart Axis Bank Credit Card Fees and Charges

Annual fee & annual fee related offers

Annual fee
Annual fee offers
1st year joining fee₹500Welcome 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 from 2nd year onwards₹500Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹3.50 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)

Late payment fee : please see below table

Pending card statement amount
Late Fee
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 age18 years
Maximum age70 years
Residential StatusThe individual can be a resident of India or an NRI
Minimum income requirementsSalaried : ₹15,000 per month
Self-employed : ₹30,000 per month

Application Process

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 processYou 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.

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.

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.