Annual Fee
₹500
Interest Rate
55.55%
Credit Score
750+
The Flipkart Axis Bank Credit Card is an excellent entry-level card for frequent online shoppers. With 5-7.5% cashback on Flipkart and Myntra, plus 4% on food and entertainment, it offers solid value for everyday spends. The low fee and easy waiver make it accessible, though the removal of lounge access in 2025 reduces its overall appeal. Best suited for those focused on e-commerce savings rather than premium travel perks.
Best For
Frequent Flipkart and Myntra shoppers who want maximum cashback on online shopping. Also great for food delivery and entertainment spenders.
Not Ideal For
Those seeking premium travel benefits, lounge access, or reward points with transfer partners. Not ideal for heavy fuel or utility spenders.
All other eligible spends
Flipkart
Myntra
Cleartrip
Swiggy
Uber
PVR
Cult.fit
Tata Play
Rs. 250 Flipkart voucher on first transaction within 30 days (paid cards only)
Spend ₹1 within 30 days
value
50% off up to Rs. 100 on first Swiggy order for new users (code: AXISFKNEW)
Spend FREE within 90 days
value
Annual fee waiver on spending Rs. 3.5 lakhs in the previous year
Spend ₹3,50,000 within 365 days
value
The Flipkart Axis Bank Credit Card is a co-branded credit card designed for avid online shoppers, particularly those who frequently purchase from Flipkart and its partner platforms. Launched through the partnership between Flipkart and Axis Bank, this card offers attractive cashback rewards on e-commerce, food delivery, and entertainment spends.
With a low joining fee of Rs. 500 and easy annual fee waiver, this entry-level card is accessible to a wide range of customers. The card delivers unlimited cashback that is automatically credited to your statement, eliminating the need for manual redemption. Whether you're shopping on Flipkart, ordering food on Swiggy, or booking rides on Uber, this card maximizes your everyday savings.
The Flipkart Axis Bank Credit Card is a Visa-branded cashback credit card that rewards you for shopping on Flipkart's ecosystem and select partner merchants. Unlike traditional reward points cards, this card offers direct cashback that gets adjusted against your credit card statement.
The card offers a tiered cashback structure designed to maximize savings on your most frequent purchases:
Enjoy up to 15% discount (maximum Rs. 500) at over 10,000 partner restaurants through the Axis Bank Dining Delights program.
Get 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000, with a maximum benefit of Rs. 400 per statement cycle.
Convert any transaction above Rs. 2,500 into easy EMIs at competitive interest rates.
Important Update: As of June 20, 2025, the Flipkart Axis Bank Credit Card no longer offers complimentary airport lounge access. This benefit was removed during the terms and conditions revision.
Previously, the card offered 4 complimentary domestic lounge visits per calendar year, subject to a minimum spend of Rs. 50,000 in the preceding 3 months. This benefit is no longer available.
If you require airport lounge access, consider upgrading to the Flipkart Axis Bank Super Elite Credit Card or other premium Axis Bank cards that still offer this benefit.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 500 + GST |
| Annual Fee (2nd year onwards) | Rs. 500 + GST (waived on Rs. 3.5L annual spend) |
| Add-on Card Fee | Free |
| Card Replacement | Free |
| Finance Charges (APR) | 3.75% per month (55.55% p.a.) |
| Cash Advance Fee | 2.5% of amount (min Rs. 500) |
| Foreign Currency Markup | 3.5% of transaction |
| Over-limit Penalty | 2.5% of over-limit amount (min Rs. 500) |
| Cheque Return Fee | 2% of payment amount (min Rs. 500) |
| Outstanding Amount | Late Fee |
|---|---|
| Up to Rs. 500 | Nil |
| Rs. 501 - Rs. 5,000 | Rs. 500 |
| Rs. 5,001 - Rs. 10,000 | Rs. 750 |
| Above Rs. 10,000 | Rs. 1,200 |
| Transaction Type | Fee | Condition |
|---|---|---|
| Fuel | 1% | On cumulative spends >= Rs. 50,000/cycle |
| Utilities | 1% | On cumulative spends >= Rs. 25,000/cycle |
| Wallet Loading | 1% | On cumulative spends >= Rs. 10,000/cycle |
| Rent Payments | 1% | On all transactions |
| Education Payments | 1% | Via third-party apps |
Credit limits typically range from Rs. 25,000 to Rs. 5 lakhs, depending on your income and creditworthiness.
Visit any Axis Bank branch with your documents. A relationship manager will assist you with the application process.
Last updated: 4 January 2026
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