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Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Entry

Join / Annual

₹0/₹500

Base Rate

1.0%

Reward Type

Cashback

Overview

The Flipkart Axis Bank Credit Card is a Entry credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Cashback.

Annual Fee: ₹500
Eligibility: Resident or NRI, 18-70 years, with a stable income (suggested ₹15k-₹30k/month).

Reward Rates & Cashback Rules

  • MERCHANT – Myntra: 7.5% cashback | monthly cap ₹1333.0 ⚠️ Quarterly cashback cap is ₹4000. Excludes purchase of gift cards, gold, or jewelry.
  • MERCHANT – Flipkart: 5.0% cashback | monthly cap ₹1333.0 ⚠️ Quarterly cashback cap is ₹4000. Excludes purchase of gift cards, gold, or jewelry.
  • MERCHANT – Cleartrip: 5.0% cashback | monthly cap ₹1333.0 ⚠️ Quarterly cashback cap is ₹4000.
  • MERCHANT – Swiggy: 4.0% cashback
  • MERCHANT – Uber: 4.0% cashback
  • MERCHANT – PVR: 4.0% cashback
  • MERCHANT – Cult.fit: 4.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: ₹250 Flipkart voucher on the first transaction made after card issuance.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.
  • Dining Discount 🍽️: Up to 15% discount at partner restaurants via the Axis Bank Dining Delights program.

Eligibility Criteria

Resident or NRI, 18-70 years, with a stable income (suggested ₹15k-₹30k/month).

Features & Benefits

🎁

Welcome Benefit

₹250 Flipkart voucher on the first transaction made after card issuance.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.

🍽️

Dining Discount

Up to 15% discount at partner restaurants via the Axis Bank Dining Delights program.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Myntra
Reward: 7.5% Monthly Cap: ₹1333.0
⚠️ Exceptions: Quarterly cashback cap is ₹4000. Excludes purchase of gift cards, gold, or jewelry.
7%
Flipkart
Reward: 5.0% Monthly Cap: ₹1333.0
⚠️ Exceptions: Quarterly cashback cap is ₹4000. Excludes purchase of gift cards, gold, or jewelry.
5%
Cleartrip
Reward: 5.0% Monthly Cap: ₹1333.0
⚠️ Exceptions: Quarterly cashback cap is ₹4000.
5%
Swiggy
Reward: 4.0%
4%
Uber
Reward: 4.0%
4%
PVR
Reward: 4.0%
4%
Cult.fit
Reward: 4.0%
4%
Fuel Exclusion
EMI Exclusion
Wallet Load Exclusion
Rent Exclusion
Government Services Exclusion
Utilities Exclusion
Education Exclusion
Insurance Exclusion

Value Chart

Assuming basic spends for Flipkart Axis Bank Credit Card

Category Flipkart Axis Bank Credit Card Axis Bank Airtel Credit Card
₹
Joining Fee 		₹0 ₹0
₹
Annual Fee 		₹500 ₹500
🌍
Forex Markup 		3.5% 3.5%
%
Base Rate 		1.0% 1.0%
★
Known Rules 		15 rules 13 rules

Pros & Cons

✓

Pros

  • + Myntra — 7.5% Cashback (cap ₹1333.0)
  • + Flipkart — 5.0% Cashback (cap ₹1333.0)
  • + Cleartrip — 5.0% Cashback (cap ₹1333.0)
  • + Swiggy — 4.0% Cashback
  • + Uber — 4.0% Cashback
  • + Welcome Benefit
  • + Fuel Surcharge Waiver
  • + Dining Discount
✗

Cons

  • − No reward on Fuel
  • − No reward on EMI
  • − No reward on Wallet Load
  • − No reward on Rent
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹500

Net Value

+₹2500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The joining fee is ₹500 + GST. The annual renewal fee is also ₹500 + GST, applicable from the second year onwards.

The annual fee of ₹500 is waived if your total spending in the previous card anniversary year exceeds ₹3,50,000.

The card offers 5% cashback on Flipkart and 7.5% cashback on Myntra. Cashback for each of these merchants is capped at ₹4,000 per quarter.

Yes, cashback is not applicable on fuel, EMI transactions, wallet loads, rental payments, government services, utility bills, and insurance payments.

No, the complimentary domestic airport lounge access benefit on this card was discontinued effective June 20, 2025.

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