At a Glance
Key Benefits
7.5% Myntra, 5% Flipkart/Cleartrip, 4% Swiggy/Uber, 1% all.
Lounge Access
No lounge access (discontinued June 2025).
Eligibility
Rs 15K/month income. Age 18-60. CIBIL 750+.
Quick Details
Reward Structure
Myntra
Flipkart
Cleartrip
Swiggy, Uber, PVR, Cult.fit
All Spends
Reward Calculator
Milestone Benefits
Rs.500 welcome benefit on card activation
Spend ₹0 0
value
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Lifestyle Perks
Fuel Surcharge
1.00% off
1% fuel surcharge waiver (Rs.400-4000), max Rs.400/statement
Movies
1 /month
100.00% off
100% off on second movie ticket via District app (up to Rs.250)
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
Excellent card for Flipkart ecosystem shoppers. Best value if you spend heavily on Flipkart, Myntra and food delivery apps.
Pros
- 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% unlimited on Swiggy/Uber, Low income requirement Rs 15K, Fee waiver on Rs 3.5L spend
Cons
- No lounge access (removed June 2025), Cashback caps on Flipkart/Myntra Rs 4K/quarter, 3.5% forex markup, Limited travel benefits
Best For
Flipkart, Myntra shoppers, online shopping enthusiasts
Not Ideal For
International travelers (high forex markup), lounge seekers (no lounge access since June 2025)
The Flipkart Axis Bank Credit Card is designed for avid online shoppers who frequently use Flipkart, Myntra, and Cleartrip. With up to 7.5% cashback on partner platforms and 4% on lifestyle spends, it's one of the best cards for e-commerce enthusiasts in India.
What is Flipkart Axis Bank?
Flipkart Axis Bank is a Visa credit card offering 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, 4% on Swiggy/Uber/PVR/Cult.fit, and 1% on all other spends. Annual fee of Rs 500 is waived on Rs 3.5L yearly spend.
Benefits
- High E-commerce Cashback: 7.5% on Myntra, 5% on Flipkart and Cleartrip
- Lifestyle Rewards: 4% unlimited on Swiggy, Uber, PVR, Cult.fit
- Universal Cashback: 1% unlimited on all other eligible spends
- Dining Discounts: 15% off at 10,000+ restaurants via EazyDiner (max Rs 500)
- Fuel Surcharge Waiver: 1% waiver on fuel (Rs 400-4,000 per txn)
- EMI Conversion: Convert transactions above Rs 2,500 to EMI
- Fee Waiver: Annual fee waived on Rs 3.5L spend
Welcome & Milestone Benefits
- Welcome Benefits: Activation benefits worth Rs 600
- Flipkart Voucher: Rs 500 on first transaction within 30 days (paid cards only)
- Swiggy Discount: 50% off up to Rs 100 on first Swiggy order
- No Milestone Benefits: Card focuses on everyday cashback
Airport Lounge Access
The Flipkart Axis Bank Credit Card no longer offers complimentary lounge access.
Important Update (June 2025): The benefit of 4 complimentary domestic airport lounge visits was discontinued effective June 20, 2025. If you need lounge access, consider Axis Atlas or Axis Magnus cards instead.
Rewards Program
Flipkart Axis Bank uses direct statement cashback:
- Myntra: 7.5% cashback (capped at Rs 4,000/quarter)
- Flipkart: 5% cashback (capped at Rs 4,000/quarter)
- Cleartrip: 5% cashback (capped at Rs 4,000/quarter)
- Swiggy, Uber, PVR, Cult.fit: 4% unlimited
- All Other Spends: 1% unlimited
- Credit: Directly to statement
Exclusions: Govt services, fuel, EMI, wallet loading, rent, jewellery, insurance, utilities, education.
Fees & Charges
- Joining Fee: Rs 500
- Annual Fee: Rs 500 (from 2nd year, waived on Rs 3.5L spend)
- Interest Rate: ~3.4% per month (~40.8% p.a.)
- Forex Markup: 3.5% on international transactions
- Cash Advance: 2.5% (min Rs 500) + 3.75% monthly interest
- Late Payment: Rs 500-1,200 (based on outstanding)
Eligibility Criteria
- Indian resident or NRI
- Age: 18-60 years
- Minimum monthly income: Rs 15,000 (salaried or self-employed)
- Good credit history (CIBIL 750+)
Documents Required
- Identity Proof: PAN Card or Form 60
- Address Proof: Aadhaar, Passport, Utility bill
- Income Proof: Latest salary slip, Form 16, or ITR
- Photograph: Recent passport-size colour photo
Frequently Asked Questions
What is the annual fee for Flipkart Axis Bank credit card?
How much cashback do I get on Flipkart purchases?
Does Flipkart Axis Bank card have lounge access?
What is the cashback cap on Myntra spends?
Is the annual fee waived on Flipkart Axis Bank card?
What is the minimum income required for Flipkart Axis Bank card?
What transactions do not earn cashback?
What are the welcome benefits on Flipkart Axis Bank card?
User Reviews
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