Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card is one of the best cashback cards in India, perfect for people who shop a lot on Flipkart and Myntra. You get 5% cashback on these platforms without any limit. Plus, there's 4% cashback on services like Swiggy, PVR, Uber, Cleartrip, and cult.fit, along with extra savings on dining, travel, and fuel.
The card has a joining fee of ₹500 plus GST. However, you get a welcome voucher worth ₹500, so it balances out the fee. It also offers free access to airport lounges across India. You can earn a flat 1.5% cashback on all other purchases, making it one of the highest cashback rates available after the Axis Bank Ace Card’s 2%. This card is great for shoppers who want to save on everyday expenses and enjoy extra lifestyle benefits.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
Flipkart Axis Bank Credit Card – Simple Way to Earn Cashback on Every Spend
If you’re someone who enjoys shopping online and wants to save while doing it, the Flipkart Axis Bank Credit Card can be a great choice. It’s one of the most rewarding cashback cards in India, designed especially for people who shop frequently on platforms like Flipkart, Myntra, and ClearTrip. With easy rewards, simple features, and lifestyle benefits, this card helps you earn cashback on almost everything you do — from shopping to travel and dining.
Cashback Offers
The biggest attraction of this card is its cashback structure, which makes it easy to save on everyday expenses.
- 7.5% cashback on Myntra – ideal for fashion lovers. The cashback is capped at ₹4,000 every quarter.
- 5% cashback on Flipkart and ClearTrip, also capped at ₹4,000 each. Whether you’re buying electronics, booking a flight, or planning a weekend trip, every spend gives you a return.
- 4% cashback on top brands like Swiggy, Uber, PVR, and cult.fit. This is perfect for foodies, movie buffs, and fitness enthusiasts.
- Earn 1% cashback on every other online and offline purchase.
The cashback you earn is automatically adjusted against your next month’s credit card bill, making the process simple and hassle-free.
Do note that some transactions don’t qualify for cashback. These include fuel payments, rent, insurance, utilities, education fees, government payments, and wallet reloads. You also won’t earn cashback on gold purchases, EMI transactions, cash advances, or card fee payments.
Welcome Benefits
As a welcome gesture, you’ll receive a Flipkart gift voucher worth ₹250 once you pay the joining fee. You’ll also get a ₹100 Swiggy discount coupon, which you can use the next time you order food online.
These small perks make your initial card experience rewarding from day one.
Dining Benefits
Food lovers will enjoy the Axis Bank Dining Delights Program, which gives you 15% off (up to ₹500) at over 10,000 restaurants across India. This includes popular dining spots in most cities, so whether you’re dining out with family or friends, you can save on your bill easily.
Plus, if you often order food online, you’ll also earn 4% cashback on Swiggy orders (not valid for Instamart or Genie). It’s a simple and automatic way to earn while you eat.
Movie and Entertainment Perks
The Flipkart Axis Bank Credit Card gives 4% cashback on PVR movie tickets, letting you enjoy the latest blockbusters while saving a little extra. Combined with cashback on Swiggy and Uber, this card adds real value to your entertainment and leisure expenses.
Travel Benefits
If you travel frequently, this card makes every trip more rewarding. You get 4% cashback on ClearTrip bookings, which helps reduce your travel cost. Plus, it gives accelerated cashback on Uber rides, so even daily commuting can help you save.
Earlier, the card included complimentary domestic lounge access, though this feature has now been discontinued. Still, the cashback on travel bookings makes it a solid choice for regular travelers.
Who is Eligible to Apply for the Flipkart Axis Bank Credit Card?
This card is best suited for:
- Online shoppers who regularly use Flipkart, Myntra, or ClearTrip.
- Students or young professionals who want to earn rewards without complex point systems.
- People who frequently order food online or book cabs and movie tickets.
It’s an all-rounder credit card that rewards both lifestyle and essential spending categories.
Key Features at a Glance
Here’s a quick look at what you get with this card:
- Annual Fee: ₹500 + GST (with good value benefits).
- Reward Type: Cashback (auto-adjusted to the next bill).
- Dining Benefits: 15% discount up to ₹500 at 10,000+ restaurants.
- Movie Benefits: 4% cashback on PVR movie tickets.
- Shopping Cashback: Up to 7.5% on Myntra and 5% on Flipkart.
- Travel Benefits: 4% cashback on ClearTrip and Uber rides.
- Welcome Offers: ₹250 Flipkart voucher + ₹100 Swiggy coupon.
- Global Acceptance: Can be used for both domestic and international transactions.
Eligibility and Application Process
Getting the Flipkart Axis Bank Credit Card is easy. Here’s what you need to qualify:
- Salaried individuals: Minimum monthly income of ₹15,000.
- Self-employed individuals: Minimum monthly income of ₹30,000.
You can complete your online application within a few minutes.
- Visit the official Axis Bank website or partner portal.
- Tap “Apply Now” and enter your basic information.
- Upload your ID, address, and income documents.
- Submit your application and wait for approval.
Once your application is submitted, the bank usually takes 10–15 working days to review and process it.
How to Check Your Application Status
After you’ve applied, it’s easy to track your application status:
- Go to the Axis Bank Credit Card Application Tracking page.
- Enter your Application ID or mobile number/PAN.
- Fill in the captcha and click Submit. You’ll instantly see whether your application is approved, in progress, or on hold.
Latest Updates on the Flipkart Axis Bank Credit Card
June 2025: Axis Bank announced that complimentary airport lounge access has been discontinued for new cardholders.
January 2025: The cashback on ClearTrip bookings increased from 4% to 5%, adding more value to travel lovers.
These updates show that the card continues to evolve, keeping benefits aligned with customer needs.
Why It’s Worth Having
The Flipkart Axis Bank Credit Card is a simple, reliable, and value-packed card for everyday use. It doesn’t complicate things with reward points or complex conversions, you earn direct cashback that’s adjusted in your next bill.
The cashback structure covers every major spending category like shopping, travel, food, entertainment, and more. With consistent savings, low joining fees, and user-friendly features, it’s one of the best credit cards for beginners and online shoppers in India.
If you love shopping on Flipkart or Myntra, order frequently from Swiggy, or use Uber often, this card helps you earn while you spend effortlessly.
Flipkart Axis Bank Credit Card Review
In short, the Flipkart Axis Bank Credit Card is an excellent choice for those who want a straightforward cashback experience without worrying about reward points or limits. While some travel benefits like lounge access are no longer available, the strong cashback on shopping, food, and entertainment easily makes up for it. If you want to save more on your everyday lifestyle, this card deserves a place in your wallet.
What is the Flipkart Axis Bank Credit Card all about?
It’s a credit card from Axis Bank in partnership with Flipkart and Mastercard. You can use it for purchases on and off Flipkart and earn unlimited cashback credited directly to your card account.
How do I check the cashback I've earned?
Cashback details are available in your monthly credit card statement or in the My Accounts section of the Flipkart app.
How do I generate a PIN for my card?
You can generate it at Axis Bank ATMs or by contacting customer care.
Where Do You Get 4% Cashback with Flipkart Axis Bank Credit Card?
You get 4% cashback on spending at partner merchants like Swiggy for food orders, Uber for rides, PVR for movie tickets, and Cult.fit for fitness services.
How do I track my card application status?
Check the status on the Axis Bank website or contact customer service using your mobile number and application ID or PAN.
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Great card..
Great card..
Yes, Can you explore the use…
Yes, Can you explore the use of Flipkart in this card?
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