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Last updated: 01-06-2026
Axis Bank Flipkart Credit Card
Axis Bank

Axis Bank Flipkart Credit Card

"Best co-branded card for Flipkart and Myntra shoppers โ€” 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, 4% on Swiggy and Uber"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST (First Year Free available on select offers)
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น3.5 lakh or more in card anniversary year (rent and wallet loads excluded)
๐ŸŽฏ Best Suited For
Frequent Flipkart and Myntra shoppers; entry-level applicants with โ‚น15,000+ monthly income wanting direct statement cashback; secondary card for Flipkart/Myntra/Cleartrip transactions
๐ŸŽ Reward Type
Direct Cashback โ€” auto-credited as statement credit monthly; no reward points to track
๐ŸŽ‰ Welcome Benefit
โ‚น250 Flipkart voucher on first transaction within 30 days (paid cards only); 50% off up to โ‚น100 on first Swiggy order for new Swiggy users
๐Ÿ’ฐ Reward Rate
7.5% cashback on Myntra โ€” capped at โ‚น4,000 per quarter; 5% cashback on Flipkart and Cleartrip โ€” capped at โ‚น4,000 per quarter per merchant; 4% unlimited cashback on preferred merchants (Swiggy, Uber, PVR, Cult.fit, Tata 1MG โ€” verify current list on Axis Bank website); 1% unlimited cashback on all other eligible spends; excludes fuel, EMI, wallet, rent, government, utilities, insurance, jewellery
โœˆ๏ธ Lounge Access
No complimentary domestic airport lounge access โ€” benefit discontinued effective June 2025
๐Ÿ’ต Cashback Rate
7.5% Myntra; 5% Flipkart and Cleartrip; 4% preferred merchants; 1% others
โญ Rate this Card
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โœ… Pros
  • 7.5% cashback on Myntra โ€” highest fashion cashback in India
  • 5% on Flipkart and Cleartrip
  • 4% unlimited on Swiggy, Uber, PVR (no cap)
  • Direct statement credit โ€” no redemption needed
  • Low โ‚น500 fee; First Year Free often available
  • Lowest income requirement (โ‚น15,000 per month) among co-branded cards
โŒ Cons
  • Quarterly cashback cap โ‚น4,000 limits high spenders on Flipkart and Myntra
  • Lounge access discontinued June 2025
  • High forex markup 3.5%
  • 1% base cashback on non-partner categories is low
  • Not useful for travel or fuel
  • Preferred merchant list changes โ€” verify current list on Axis website

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback โ€” auto-credited as statement credit monthly; no reward points to track
Welcome Benefits
โ‚น250 Flipkart voucher on first transaction within 30 days (paid cards only); 50% off up to โ‚น100 on first Swiggy order for new Swiggy users
Reward Rate
7.5% cashback on Myntra โ€” capped at โ‚น4,000 per quarter; 5% cashback on Flipkart and Cleartrip โ€” capped at โ‚น4,000 per quarter per merchant; 4% unlimited cashback on preferred merchants (Swiggy, Uber, PVR, Cult.fit, Tata 1MG โ€” verify current list on Axis Bank website); 1% unlimited cashback on all other eligible spends; excludes fuel, EMI, wallet, rent, government, utilities, insurance, jewellery
Reward Redemption
Cashback automatically credited to card account as statement credit monthly โ€” no redemption portal or effort needed
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น4,000; maximum โ‚น400 per statement cycle
Lounge Access
No complimentary domestic airport lounge access โ€” benefit discontinued effective June 2025
Spend Based Fee Waiver
Annual fee waived on โ‚น3.5 lakh annual spend (rent and wallet excluded)
Milestone Benefits
Annual fee waiver on โ‚น3.5L spend
Other Benefits
15% off at partner restaurants via Axis Bank Dining Delights (EazyDiner) โ€” up to โ‚น500 per month on โ‚น2,500+ bill; fuel surcharge waiver; Smart EMI on transactions above โ‚น2,500

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely reporting of card loss
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
7.5% on Myntra; 5% on Flipkart; 4% on Swiggy, Uber, PVR; dining discounts via EazyDiner

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST (First Year Free available on select offers)
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น3.5 lakh or more in card anniversary year (rent and wallet loads excluded)
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Axis Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Lounge access discontinued June 2025; quarterly cashback caps โ‚น4,000 per merchant for Myntra and Flipkart; preferred merchant list changes โ€” verify current list on Axis Bank website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18 to 70 years; Indian resident or NRI; minimum monthly income โ‚น15,000 โ€” one of the most accessible in India; good credit history
Credit Score Requirement
680+ CIBIL recommended; accessible for first-time applicants
Credit Limit
Based on income and Axis Bank assessment; typically โ‚น25,000 to โ‚น2 lakh

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after immediate reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 and 1860-500-5555 (24x7)
Chat / Email Support
Chat via Axis Mobile app and website
Mobile App
Axis Mobile app: manage card, track cashback, pay bills, EMI
Online Banking
Full management via Axis Bank NetBanking and Axis Mobile

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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