Flipkart Axis Bank Credit Card

Gaurav

One of India’s top cashback credit cards, the co-branded Flipkart Axis Bank Credit Card is exclusively for people who shop online at Flipkart, a popular e-commerce store. Whether you are looking to buy daily household items, apparel, electronics, books, or simply doing some festive shopping, the Flipkart Axis Bank Credit Card will get you instant 5% cashback on Flipkart. One of the best features of this card is that there is no capping on cashback earnings. The card also provides 4% accelerated cashback to popular merchants like Swiggy, PVR, Uber, Cleartrip, and cult.fit along with travel, dining, and fuel benefits. Loaded with numerous features, the Flipkart Axis Bank Credit Card has a low joining fee of ₹500 + GST which is recouped when you receive a welcome benefit voucher of the same amount. Apart from great cashback on popular brands and platforms, you will also be eligible for free airport lounge access across India. Keep reading about the Flipkart Axis Credit Card to learn more and find out where this card stands compared to other popular cards, such as the ICICI Amazon Pay Credit Card.

Credit Card Detail
Flipkart Axis Bank Credit Card
Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Introductory Benefits Worth Rs. 600 on Card Issuance
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Movie & Dining
Up to 15% off at partner restaurants under Axis Bank's exclusive Dining Delights program
Domestic Lounge Access
1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)
Rewards Rate
5% cashback on Flipkart, 4% cashback on preferred partners (Swiggy, Uber, PVR, and cult.fit), and 1% cashback on all other spends.
Golf
N/A
Travel
Accelerated Cashback (4%) on Uber Rides
Insurance Benefits
N/A
International Lounge Access
N/A
Reward Redemption
N/A
Interest Rates
3.6% per month (52.86% annually)
Spend-Based Waiver
Annual fee waived on spends of Rs. 3.5 lakhs
Rewards Redemption Fee
N/A
Cash Advance Charges
2.5% (Min. Rs. 500) of the withdrawn amount.
Foreign Currency Markup
3.50 +GST
Fuel Surcharge
1% surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).
Product Details
  • Welcome gifts worth Rs. 600.
  • 5% cashback on Flipkart.
  • 4% cash back on preferred partners, including Swiggy, Uber, PVR, and cult.fit
  • 1% cashback on all other retail spends (with a few exceptions).
  • 4 complimentary airport lounge access within India on spends of Rs. 50,000 in the previous three months.
  • 1% fuel surcharge waiver across petrol pumps in India for purchases worth Rs. 400 and Rs. 4,000. The maximum waiver is Rs. 400 per statement cycle.
Pros/Cons
Pros
Flipkart Axis Bank Credit Card offers a very good reward rate of 5% on all spends on the e-commerce website Flipkart. Apart from Flipkart, you also get a good reward rate of 4% on spends at partner merchants, including famous names like Swiggy, Uber, PVR, and cult.fit.

Another advantage of the Flipkart Axis Credit Card limit is that the card rewards you with cashback, which is directly adjusted against the card’s statement balance every month. Also, there is no upper limit on the amount of cashback that can be earned on the Flipkart Axis Bank Credit Card in a given month.
Cons
Flipkart Axis Bank Credit Card is definitely one of the best credit cards as far as online shopping is concerned, mainly if you prefer Flipkart for most of your purchases. You also get a cashback of 4% on online food delivery via Swiggy and on Uber rides. However, if you are someone who loves shopping offline at shopping malls or other small retail stores, Flipkart Axis Card is not the best pick for you as you get a cashback of 1% on offline spends.

Flipkart Axis Bank Credit Card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.

Before applying for a credit card in India, consider the following factors:

  • Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
  • Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
  • Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
  • Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
  • Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
  • Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
  • Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
  • Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
  • Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
  • Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
  • Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.

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