Flipkart Axis Bank Credit Card Review (2026): Benefits, Cashback, Fees & Is It Worth It?
Quick answer The Flipkart Axis Bank Credit Card is a marketplace co-brand aimed at Flipkart-group shoppers: 5% cashback on Flipkart and Cleartrip (each capped at ₹4,000 per statement quarter), 7.5% on Myntra (same cap), unlimited 4% on Axis-listed preferred merchants, and 1% on other eligible spends. Annual fee is typically ₹500 from year two (joining fee often waived in promos), with waiver on ₹3.5 lakh+ annual spend. It fits heavy Flipkart/Myntra users — not travellers seeking lounge access or a single low-fee generalist card.
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The Flipkart Axis Bank Credit Card (often called Flipkart Axis credit card) is one of India’s main e-commerce co-branded cards. This review covers flipkart axis bank credit card benefits, cashback caps on Flipkart, Myntra, and Cleartrip, fees, welcome perks, exclusions, and how it compares with Amazon Pay ICICI — using Axis Bank’s published terms only.
Verify before you apply: Confirm current fees, caps, and partner lists on Axis Bank — Flipkart Axis Bank Credit Card and the official highlights page.
Fee ₹500/yr (Y2+)
Flipkart 5% (₹4k/qtr cap)
Myntra 7.5%
Preferred 4% unlimited
Waiver ₹3.5L/year
Key benefits
Summary of marketed benefits for Axis Flipkart Credit Card (May 2026 — confirm on issuer MITC before applying):
- 5% cashback on Flipkart, Myntra & Cleartrip spends (up to ₹4,000/quarter per merchant)
- 4% unlimited cashback on preferred partners like Swiggy, Uber, PVR & Cult.fit
- 7.5% cashback on Myntra (up to ₹4,000 per quarter)
- 1% unlimited cashback on all other eligible spends
- ₹350 welcome benefits on card activation
- 50% off (up to ₹100) on first Swiggy transaction (Code: AXISFKNEW)
- 15% off up to ₹500 on dining via EazyDiner (limited period)
- Cleartrip discounts — 7% on flights & ₹200 on hotel bookings
- 1% fuel surcharge waiver up to ₹400
- Easy EMI on transactions above ₹2,500
- Annual fee: ₹500 + GST (waived on ₹3.5L annual spends)
We verify fees and exclusions against official issuer documents; partner marketing may differ from MITC.
At a glance
| Detail | Summary (verify on issuer site) |
|---|---|
| Card type | Co-branded cashback (Flipkart / Axis Bank) |
| Joining fee | Often ₹NIL under limited-period offers — check live apply page |
| Annual fee | ₹500 from 2nd year onwards (typical); waiver on ₹3,50,000+ annual spend |
| Flipkart / Cleartrip | 5% cashback, cap ₹4,000 per statement quarter per merchant |
| Myntra | 7.5% cashback, cap ₹4,000 per statement quarter |
| Preferred merchants | Unlimited 4% on listed partners (see Axis PDF) |
| Other eligible spends | Unlimited 1% cashback |
| Lounge access | Not a headline benefit on this product — no complimentary lounge bundle like premium travel cards |
| Typical fit | Regular Flipkart, Myntra, or Cleartrip shoppers who can track quarterly caps |
View fees and apply on Axis Bank India →
Flipkart Axis Bank credit card benefits
Per the Axis Bank Flipkart Axis highlights page (verified May 2026), rewards are straightforward statement cashback — not reward points you must redeem manually. Cashback is credited to your card statement per Axis T&Cs; excluded categories and caps apply.
Cashback on Flipkart, Myntra, and Cleartrip
- Flipkart: 5% cashback, capped at ₹4,000 per statement quarter.
- Cleartrip: 5% cashback, capped at ₹4,000 per statement quarter (separate cap from Flipkart).
- Myntra: 7.5% cashback, capped at ₹4,000 per statement quarter.
Example: if you spend ₹80,000 on Flipkart in a quarter, 5% would be ₹4,000 — you hit the cap. Further Flipkart spend in that quarter earns no extra 5% until the next statement quarter. Plan large sales (Big Billion Days, etc.) across quarters if you routinely breach caps.
Preferred merchants — unlimited 4%
Axis lists unlimited 4% cashback on Preferred Merchants. The merchant list changes — download the current PDF from Axis: Flipkart Axis preferred merchants (PDF). Partners have historically included categories beyond Flipkart; always match your actual merchants to the live list before assuming 4%.
All other eligible categories — 1%
Other eligible spends earn unlimited 1% cashback per Axis. Fuel transactions earn no cashback on this card (fuel surcharge waiver may still apply on eligible fuel spends — see MITC). Wallet loads, rent, EMI conversions, and other exclusions are defined in Axis terms; treat the Flipkart Axis credit card T&Cs (PDF) as final.
Welcome and activation benefits
Axis currently advertises:
- ₹350 worth of activation benefits on the card.
- Flipkart voucher worth ₹250 on the first transaction — for paid cards only (cards with joining and annual fee). First-year-free / zero joining fee promos may not qualify for the ₹250 voucher per Axis.
- Swiggy: 50% off up to ₹100 for first-time Swiggy users (promo code on Axis page — verify validity).
Fuel, EMI, and other perks
- Fuel surcharge waiver on eligible fuel spends (per Axis product page).
- EMI conversion on Flipkart purchases over ₹2,500 (contact bank to convert; cancel EMI if order is cancelled to avoid cashback reversal issues per Axis).
- Dining / Wednesday deals and other merchant offers — promotional, not core earn rates.
Flipkart Axis credit card lounge access
Searches for flipkart axis bank credit card lounge access often confuse this card with Axis premium travel cards. The Flipkart Axis product page focuses on cashback, not complimentary airport lounges. Axis’s site may show generic lounge marketing elsewhere; for this card, assume no dedicated domestic lounge bundle unless your specific card variant letter or MITC states otherwise. If lounge access is essential, compare travel credit cards (hub in progress) or issuer premium tiers on Axis Bank directly.
Fees and charges
From the Axis fees table on the highlights page (May 2026):
- Joining fee: ₹NIL under current limited-period offer — confirm at apply time.
- Annual fee: ₹500 from 2nd year onwards (plus GST as applicable).
- Annual fee waiver: Waived if annual spends exceed ₹3,50,000. Rent (MCC 6513) and wallet load (MCC 6540) spends do not count toward the waiver threshold.
- Add-on cards: Nil joining and annual fee on add-ons (per Axis table).
- Finance charges: 3.75% per month (55.55% p.a.) on revolved balances — pay in full to avoid.
- Cash withdrawal: 2.5% of amount (minimum ₹500).
- Foreign currency / DCC: Forex and utility/wallet/education surcharges per current Axis MITC (rates updated periodically on the issuer site).
If your annual card spend is under ₹3.5 lakh and you will not hit cashback caps, budget the ₹500 + GST annual fee as a fixed cost — or consider a lifetime free card for backup spends.
Check eligibility on Axis Bank →
Eligibility
Flipkart axis bank credit card eligibility is assessed by Axis Bank at application. The eligibility and documentation page lists typical KYC (identity, address, income proof for salaried/self-employed). Axis does not publish a single public CIBIL cutoff; approval depends on credit history, income, and existing Axis relationships. Third-party sites citing income bands are indicative only.
Flipkart Axis vs Amazon Pay ICICI
Most shoppers compare this card with Amazon Pay ICICI. See our full ICICI Amazon Pay vs Flipkart Axis comparison. Short version:
| Factor | Flipkart Axis | Amazon Pay ICICI (verify on ICICI) |
|---|---|---|
| Best for | Flipkart, Myntra, Cleartrip, listed preferred partners | Amazon.in (higher earn with Prime) |
| Top earn | Up to 7.5% Myntra; 5% Flipkart/Cleartrip with quarterly caps | Up to 5% on Amazon for Prime (typical) |
| Annual fee | ₹500 from year 2; waiver at ₹3.5L spend | Often lifetime free |
| Lounge | Not a core benefit | Not a core benefit |
Pros and cons
Pros
- High earn on Flipkart-group merchants if you shop often
- Separate quarterly caps for Flipkart and Cleartrip
- Statement cashback — simple crediting
- Fee waiver at ₹3.5L annual spend
Cons
- Quarterly caps limit Big Billion Days spenders — marginal earn drops after cap
- Only 1% off-ecosystem — weak generalist card
- ₹500 annual fee if you miss waiver; rent/wallet often excluded from waiver spend
- No lounge access — not a travel card
- Welcome voucher may not apply on zero joining-fee promos
- Fuel and several MCCs earn no cashback
Who should skip this card
- You shop primarily on Amazon — Amazon Pay ICICI or our compare page may win.
- You need lounge access or travel insurance — this is a cashback co-brand, not a premium travel card.
- You will not spend ₹3.5 lakh/year on eligible categories and do not want to budget ₹500+GST annually.
- Your spend is mostly fuel, rent, or wallet loads — low or zero cashback plus waiver exclusions.
Is the Flipkart Axis credit card worth it?
Is flipkart axis bank credit card worth it if your wallet share matches the earn structure. Rough math: ₹4,000 cap per quarter at 5% on Flipkart implies up to ₹80,000/quarter “full rate” spend (₹4,000 ÷ 5%). Above that, marginal earn drops to 1% on Flipkart until the next quarter. Myntra at 7.5% hits ₹4,000 cashback around ₹53,333/quarter.
Worth it when:
- Flipkart, Myntra, or Cleartrip are your primary online merchants.
- You expect ₹3.5 lakh+ annual spend on the card (fee waiver) or accept ₹500/year as cheap vs cashback gained.
- You will read the preferred-merchant PDF and route 4% spends correctly.
Skip or pair with another card when: Amazon dominates your spend (see compare page), you need lounges, or you will not track quarterly caps and exclusions.
How to apply (official channel)
Apply only through Axis Bank’s official website or authorised channels. We do not publish referral codes. Use the issuer apply flow below and keep your application reference for status queries.
Apply on Axis Bank (official) →
FAQ
What is the flipkart axis bank credit card annual fee? Typically ₹500 from the second year, with waiver on annual spends above ₹3,50,000 (rent and wallet loads excluded from waiver spend). Joining fee is often nil under promotional offers — confirm on Axis before applying.
What are flipkart axis bank credit card benefits? Tiered cashback: 7.5% Myntra, 5% Flipkart and Cleartrip (quarterly caps), unlimited 4% on preferred merchants, 1% elsewhere on eligible categories, plus welcome/activation perks per current Axis offers.
Does the Flipkart Axis card offer lounge access? Lounge access is not marketed as a core benefit of this cashback co-brand. Confirm your card welcome kit and MITC; do not assume Priority Pass or domestic lounge visits.
What is the cashback cap on Flipkart? ₹4,000 per statement quarter at 5% on Flipkart spends. Cleartrip has its own ₹4,000/quarter cap at 5%.
Is there flipkart axis bank credit card customer care? Use Axis Bank credit card customer service (Phone Banking, app, or branch) with your registered mobile number. For application status, use the reference from the official apply journey.
Flipkart axis bank credit card apply online — where? Only via Axis Bank’s Flipkart Axis product page or other issuer-authorised flows listed there.
Sources checked
- Axis Bank — Flipkart Axis Bank Credit Card (product, apply)
- Axis Bank — Highlights (cashback, fees table)
- Axis Bank — Preferred merchants PDF
- Axis Bank — Terms and conditions PDF
Important: Approval is subject to Axis Bank’s eligibility and credit assessment. This content is for informational purposes only and does not constitute financial advice. Credit cards are debt products — pay statements in full to avoid interest. Disclaimer · Report an error