FLIPKART AXIS BANK CREDIT CARD

The Flipkart Axis Bank Credit Card is a co-branded lifestyle credit card designed for savvy shoppers who want to maximize savings on their everyday spending. This card offers unlimited cashback across various categories including online shopping, travel, food delivery, and entertainment. With accelerated cashback rates on Flipkart and Myntra, plus attractive benefits on preferred merchants like Swiggy, Cleartrip, and Uber, it’s an excellent choice for digital-first consumers. Whether you’re shopping online, booking travel, or ordering food, this card ensures you earn cashback on every purchase. The card comes with welcome benefits, fuel surcharge waivers, complimentary airport lounge access, and a hassle-free cashback system that credits rewards directly to your statement.

FLIPKART AXIS BANK CREDIT CARD

Joining Fees	500
Annual Fees	500
Card Type	Cashback, Rewards
Network Type	Visa

Rewards & Benifits

Accelerated Rewards: Earn 5 EDGE Miles for every ₹100 spent on the Axis Bank Travel EDGE portal and direct airline websites/counters.
Base Rewards: Earn 2 EDGE Miles for every ₹100 spent on all other categories.
Miles Conversion: EDGE Miles can be converted to partner air miles/hotel points at a 1:1 ratio through the Axis Bank Miles Transfer Program.
Lounge Access: Enjoy up to 8 complimentary domestic lounge visits per calendar quarter (Visa variant) or 6 complimentary domestic lounge visits per calendar quarter (Mastercard variant).
International Lounge Access: Get 2 complimentary international lounge visits per calendar quarter.
Dining Discount: Receive a 25% instant discount on dining via EazyDiner (capped at ₹800 per month on a minimum order of ₹2,500).
Fuel Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹400 per statement month.

Fees & Charges

Joining Fee: ₹500 + applicable taxes.
Annual Fee: ₹500 + applicable taxes (from the second year onwards).
Annual Fee Waiver: The Annual Fee is waived if the total spend in the preceding year is ₹3,50,000 or more.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.

Card Details

Product Details

Card Type: Co-branded travel/airline credit card (based on the presence of EDGE Miles).
Rewards Currency: EDGE Miles, which can be transferred to partner airline and hotel loyalty programs.
Miles Transfer Program: EDGE Miles are convertible to air miles/hotel points at a 1:1 ratio.
Eligibility: Specific eligibility criteria (age, income, residency) are not provided in this detail set.

Pros & Cons

Pros

High Cashback Rates: Earn 7.5% on Myntra and 5% on Flipkart/Cleartrip (up to ₹4,000 cap per quarter per merchant).
Good Everyday Cashback: Unlimited 4% cashback on major partners (Swiggy, Uber, PVR, cult.fit).
Automatic Statement Credit: Cashback is credited directly to the card statement, unlike voucher-based rewards.
Decent Welcome Offer: Activation benefits often cover the first year's joining fee.

Cons

High Annual Fee Waiver Threshold: Requires a high spend of ₹3.5 Lakh to waive the annual fee.
Massive Cashback Exclusions: No cashback on critical categories like Rent, Utilities, Wallet Load, Education, and Insurance.
Benefit Devaluation: Complimentary domestic airport lounge access has been discontinued (effective mid-2025).
Quarterly Cap Limits High Spenders: Accelerated cashback is capped for Flipkart/Myntra/Cleartrip, limiting maximum quarterly earnings.

Age: Primary cardholder should be between 18 to 70 years of age.

Residential Status: Applicant should be a Resident of India or Non-Resident Indian (NRI).

Income: Not specified on the official page.

Credit Score: Not specified on the official page.

Documentation Required: Copy of PAN card or Form 60, residence proof, identity proof, color photograph, and proof of income (latest payslip/Form 16/IT return copy).

Note: These criteria are only indicative and the bank reserves the ultimate right to approve or decline applications for Flipkart Axis Bank Credit Card.

Rs. 250 Flipkart Voucher: Only paid cards with Joining Fee and Annual Fee are eligible for this welcome benefit. First-year free cards (with no Joining Fee) are not eligible for this benefit.

50% Instant Discount up to Rs. 100 on First Swiggy Order: All cards (paid and first-year free) are eligible for the Swiggy welcome benefit. Use code “AXISFKNEW” for first-time Swiggy users.

Total Welcome Benefits: Rs. 350 worth of activation benefits on paid cards. Terms and conditions apply for each benefit.

Note: Welcome benefits must be availed within the stipulated timeframe as mentioned in the respective offer terms and conditions.

The Flipkart Axis Bank Credit Card is an excellent choice for digital-savvy consumers who frequently shop online and use e-commerce platforms. With one of the highest baseline cashback rates (1.5% unlimited) in the industry and accelerated earnings on popular platforms like Flipkart, Myntra, and preferred merchants, it offers exceptional value for money. The card is ideal for millennials and online shoppers who want straightforward rewards without complicated redemption processes. The Rs. 500 annual fee is easily justified through cashback earnings and welcome benefits. However, the quarterly caps on accelerated cashback and additional fees on utilities, rent, and wallet loads are limitations to consider. The upcoming revision of terms on 20th June 2025 means cardholders should stay updated. Overall, it’s a strong contender for anyone seeking a hassle-free cashback credit card with digital-first features.

Platform

Platform Overview

Skara Financial Services

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FLIPKART AXIS BANK CREDIT CARD