Flipkart Axis Bank Super Elite Credit Card

The Flipkart Axis Bank Super Elite Credit Card is a reward-centric co-branded card designed for power users of the Flipkart ecosystem. Unlike the standard Flipkart Axis card that provides direct cashback, the Super Elite variant focuses on accelerating the accumulation of SuperCoins, the universal reward currency for Flipkart, Myntra, and Cleartrip. This card is particularly effective for “Flipkart Plus” members, offering a massive multiplier on every purchase made on the platform. It serves as a digital-first shopping tool that bridges the gap between traditional credit and loyalty program benefits, allowing users to unlock premium subscriptions and exclusive product deals through their routine spending.

Flipkart Axis Bank Super Elite Credit Card

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

Rewards & Benifits

Flipkart Plus Members: Earn 12 SuperCoins for every ₹100 spent on Flipkart (capped at 300 coins per transaction).
Non-Plus Members: Earn 6 SuperCoins for every ₹100 spent on Flipkart (capped at 150 coins per transaction).
Other Spends: Earn 2 SuperCoins for every ₹100 spent on all other eligible categories (no capping).
Flight Discounts: 15% off on domestic flight bookings via Flipkart Flights (Maximum discount up to ₹1,500).
Health Benefits: Flat 30% off on the first medicine order via Flipkart Health+.
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000 (Max ₹400 per month).

Fees & Charges

Finance Charges: 3.75% per month (55.55% per annum).
Cash Withdrawal Fee: 2.5% of the amount (Minimum ₹500).
Late Payment Fee: Nil for dues ₹10,000.
Forex Markup: 3.5% of the transaction value.
Rent Transaction Fee: 1% of the transaction value.
Utility Fee: 1% on cumulative spends of ₹25,000 or more per cycle.

Card Details

Reward Currency: Benefits are credited as Flipkart SuperCoins, not as statement cashback.
SuperCoin Utility: Can be used for shopping on Flipkart/Myntra, booking flights on Cleartrip, or buying third-party vouchers.
Excluded Spends: Fuel, Wallet loads, Gift card purchases, EMI transactions, and Government services do not earn SuperCoins.
Fee Waiver Exclusions: Rent and Wallet load transactions do not count towards the ₹2 Lakh annual spend milestone.

Pros & Cons

Massive Rewards for Plus Members: Up to 12% value-back in the form of SuperCoins.
Premium Subscriptions: Includes trial memberships for YouTube and Gaana.
Low Entry Barrier: Affordable joining fee that is easily offset by activation perks.

No Direct Cashback: Rewards are restricted to the Flipkart SuperCoin ecosystem.
No Lounge Access: Unlike the standard Flipkart card, this variant lacks airport lounge benefits.
Transaction Capping: SuperCoin earnings on Flipkart are capped per transaction.

ELIGIBILITY CRITERIA

Primary cardholder age: Between 18 and 70 years. • Resident status: Resident of India. • Documents required: PAN card/Form 60, identity proof, residence proof, and income proof (Payslip/ITR). • Final approval: At the sole discretion of Axis Bank based on internal credit criteria.

WELCOME BENEFITS

500 bonus SuperCoins upon card activation. • 2-month complimentary trial of YouTube Premium. • 2-month complimentary trial of Gaana Plus. • 1-year Lenskart Gold membership. • Extra ₹500 off on Myntra (on select styles, for orders above ₹2,999).

CARD REVIEW

The Flipkart Axis Bank Super Elite Credit Card is a specialized tool for dedicated Flipkart shoppers, particularly those who have already achieved “Plus” status. While the standard Flipkart Axis card is better for general cashback, the Super Elite card excels at generating a high volume of SuperCoins quickly. With an effective 12% reward rate for Plus members, it is hard to beat for pure platform loyalty.

Value for money is high initially due to the welcome subscriptions and bonus coins which exceed the ₹500 joining fee. However, its primary limitation is the lack of “lifestyle” perks; there is no airport lounge access, and the rewards are not liquid—they must be spent back within the Flipkart/Myntra ecosystem. This card is best as a secondary card for a heavy Flipkart user to maximize platform-specific savings.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Flipkart Axis Bank Super Elite Credit Card