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Flipkart Axis Bank Credit Card- Great for Flipkart Loyalists

Home Axis Bank Flipkart Axis Bank Credit Card- Great for Flipkart Loyalists
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Updated: 16-12-2024 10:54:27 AM

Flipkart Axis Bank Credit Card is among the top cashback credit cards in India for online spends. The card offers 5% unlimited cashback on Flipkart and Cleartrip, along with accelerated cashback on select preferred merchants. Despite several rounds of devaluation, Flipkart Axis Credit Card remains a good option for users, typically those who prefer Flipkart for online shopping and Cleartrip for travel bookings. Read on to know more about this card.

Flipkart Axis Credit Card Overall Rating: ★★★
Flipkart Axis Bank Credit Card
Co-branded Benefits ★★★★
Welcome Benefit ★★★★
Other Features ★★★ 

With Flipkart Axis Credit Card, consumers can avail 5% unlimited cashback on Flipkart and Cleartrip, along with 4% cashback on preferred merchants- cult.fit, PVR, Swiggy and Uber. Despite being a co-branded card, benefits on the card are spread across multiple categories like travel, entertainment, dining and lifestyle.

The card comes with a base cashback rate of 1% and 1 complimentary domestic lounge visits per quarter, albeit subject to meeting the quarterly spending of Rs. 50,000. Addition of Cleartrip to the maximum cashback category enhanced its value for travellers. Unlike several other co-branded cards (where returns are offered in loyalty points or into a linked wallet), here cashback is credited directly into the statement, making the process simpler for the consumer.

Overall, Flipkart Axis Credit Card continues to be a good option for online shoppers, particularly those who can maximise the accelerated benefits across Flipkart and other partner merchants.

Video: Quick Review of Flipkart Axis Bank Credit Card

Note: Details mentioned in the video have been sourced from the issuer’s website as of August 2024. For updated information, refer to this page.

Welcome Benefits
Cashback Feature
Other Benefits
Should you get this card?
Other Similar Cards to Flipkart Axis Bank Credit Card
Comparison: Flipkart Axis Bank Credit Card Vs. Amazon Pay ICICI Credit Card
How to derive maximum benefits on Flipkart Axis Bank Credit Card ?
Flipkart Axis Bank Credit Card: Fees & Charges
Flipkart Axis Bank Credit Card: Eligibility & Documents Required
Flipkart Axis Bank Credit Card FAQs

Welcome Benefits

Flipkart Axis Bank Credit Card has a decent welcome package amounting to a total of Rs. 600. Against the joining fee of Rs. 500, this stands as a good value back for the user. The welcome/activation benefit includes:

  • Flipkart voucher worth Rs. 500 on making the first transaction within 30 days from card issuance
  • 50% discount up to Rs. 100 on the first transaction for new Swiggy customers using code “AXISFKNEW“

Other shopping cards such as HDFC Millennia and SBI SimplyCLICK also offer welcome benefits but unlike Flipkart Axis their welcome benefit value simply matches their joining fee. Besides, considering that the benefit is associated to everyday brands, it is more practical and useful for the users.

Cashback Feature

Flipkart Axis Bank Credit Card offers cashback in the following manner:

  • Unlimited 5% cashback on Flipkart and Cleartrip spends
  • Unlimited 4% cashback on preferred merchants (cult.fit, PVR, Swiggy, Uber)*
  • Unlimited 1% cashback on transactions apart from Flipkart & preferred merchants**

*These preferred partners are subject to change from time to time.

**Cashback is not applicable on payments made towards government services, fuel spends, purchase of gift cards on Flipkart and Myntra, EMI transactions, purchases converted to EMI post-facto, wallet loading transactions, cash advances, rental payments, purchase of jewellery, insurance, utilities, educational services, payment of outstanding balances, payment of card fees and other card charges.

Base cashback rate of 1% is good for an entry-level card like Flipkart Axis. Also, unlike the Amazon Pay ICICI Card where cashback is credited in the form of Amazon Pay balance, the Flipkart card has kept it simple with a direct statement credit model. Additionally, unlimited cashback on preferred merchants extends the card benefits beyond shopping to other lifestyle categories, like travel, health, movies, and food delivery. The only drawback with the cashback structure is the exclusion of everyday spends like bill payments and wallet reloads, which the competitor Amazon ICICI covers.

Note: 1% transaction fee applies to education payments via third-party apps, rent payments, and spends exceeding monthly limits on wallet loads (Rs. 10,000), fuel (Rs. 50,000), utilities (Rs. 25,000), and gaming (Rs. 10,000).

Flipkart Axis Credit Card Value Back

Let us assume that you spend Rs. 50,000 in a billing cycle. The break-up of this spending is as follows:

  • Flipkart: Rs. 10,000
  • Swiggy & PVR: Rs. 5,000
  • Other spends: Rs. 35,000 (including an EMI of Rs. 10,000)

Since EMI transactions are ineligible for cashback, the EMI transaction worth Rs. 10,000 will be excluded from cashback calculation.

Total spends eligible for cashback: Rs. 10,000 + Rs. 5,000 + Rs. 25,000 = Rs. 40,000

Now, cashback calculation for the same billing cycle would be:

  • 5% of Rs. 10,000 (Flipkart) = Rs. 500
  • 4% of Rs. 5,000 (Swiggy & PVR) = Rs. 200
  • 1% of Rs. 25,000 = Rs. 250

Total cashback credit to the customer’s credit card = Rs. 950

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Other Benefits

Apart from the cashback and co-branded welcome benefits, you can also avail the following benefits on Axis Bank Flipkart Credit Card:

  • 1 complimentary domestic lounge visit every quarter (Max. 4 in a year) on spending min. Rs. 50,000 during the previous quarter. (In case of a newly issued card, the minimum spend criteria is waived for the month of issuance followed by the next 3 months)
  • 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000 (Maximum waiver of Rs. 400 in a month)
  • Up to 20% discount at 4,000+ partner restaurants

Should you get this card?

The Flipkart Axis Bank Credit Card caters to both cashback and shopping categories, particularly appealing to Flipkart loyalists. Unlike many co-branded cards, it extends its benefits to a range of partner brands, including Uber, PVR, Swiggy, and cult.fit. With the recent addition of Cleartrip to the 5% cashback category alongside Flipkart, the card has also become a compelling option for travel bookings. Through these diverse brand partnerships, the card offers benefits in almost all major everyday categories including shopping, travel, health, and entertainment.

As per your needs you can figure out if you will be able to maximize the card benefits. Some pros and cons of this card are:

Pros Cons
  • Same cashback rate for all Flipkart users
  • Decent welcome benefits
  • Good cashback rate across accelerated categories
  • Complimentary lounge access
  • Low cashback on non-accelerated categories
  • Long list of exclusions from rewards program
  • Not suitable for users seeking benefits on offline shopping or non-brand benefits
  • High annual fee waiver condition for an entry-level card

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Other Similar Cards to Flipkart Axis Bank Credit Card

Cashback SBI Card

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Joining fee: ₹999

Annual/Renewal Fee: ₹999

5% cashback on all online spends

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  • 5% cashback across all online spends with no merchant restriction
  • 1% cashback across all offline spends
  • Earn cashback of up to Rs. 5,000 per month
  • Renewal fee reversed on spending at least Rs. 2 lakh in a year
  • 1% fuel surcharge waiver of up to Rs. 100 per month
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Axis Bank ACE Credit Card

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4% cashback on Swiggy, Zomato and Ola

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  • 1.5% cashback on other offline & online spends
  • 4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter
  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
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Amazon Pay ICICI Credit Card

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Joining fee: ₹0

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1% cashback across all offline spends

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  • 5% cashback on Amazon spends for Prime members
  • 3% cashback on Amazon spends for Non-prime members
  • 2% cashback on spends at Amazon Pay partner merchants
  • 1% cashback on other spends
  • 1% waiver on fuel surcharge across all petrol pumps in India
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HDFC Millennia Credit Card

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Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more

1% cashback on spends at other categories

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  • 1 complimentary lounge access or a voucher of Rs. 1,000 on spending Rs. 1 Lakh in a quarter
  • Up to 20% off on dining at partner restaurants via Swiggy Dineout
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000
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Airtel Axis Bank Credit Card

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Joining fee: ₹500

Annual/Renewal Fee: ₹500

25% cashback on payment for Airtel Mobile, DTH, etc. via Airtel Thanks App

10% cashback on utility bill payment via Airtel Thanks App

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  • 10% cashback on utility bill payments via Airtel Thanks app
  • 10% cashback on spends at Zomato, Swiggy and BigBasket
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HDFC MoneyBack+ Credit Card

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Joining fee: ₹500

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5X CashPoints on EMI transactions at select merchants

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Standard Chartered Smart Credit Card

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Comparison: Flipkart Axis Bank Credit Card Vs. Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit Card is a lifetime-free credit card, whereas Flipkart Axis Card charges an annual fee of Rs. 500, which is waived off on spending Rs. 3.5 Lakh in the previous year. The comparison is as follows:

 Parameters Flipkart Axis Card Amazon ICICI Card
Maximum Cashback 5% (with Flipkart and Cleartrip) 5% (on Amazon spends for Prime members)
Flat Cashback Rate 1% 1%
Cashback on Partner Merchants 4% on cult.fit, PVR, Swiggy, & Uber 2% on Yatra.com, Faasos, Haptik, BookMyShow, redBus, FreshMenu, Chumbak, etc.
Cashback Credit Statement Balance Amazon Pay
Lounge Access 1 complimentary domestic airport lounge visit per quarter on spending Rs. 50,000 in the previous 3 months No complimentary lounge visit
Pros 
  • Same cashback for all Flipkart users
  • Base cashback rate is decent
  • Good cashback on partner brands
  • Unlimited rewards
  • Complimentary lounge access
  • Good cashback for Amazon Prime holders
  • Multiple partner merchants
  • Covers cashback on bill payments, wallet reloads
  • Unlimited rewards
Cons
  • No benefits on utility bill payments
  • Lounge access is spend-based
  • Low cashback rate for non-prime members
  • No complimentary lounge access benefits
Get the card if You are a Flipkart and partner merchant loyalist You are an Amazon loyalist and have the Prime membership

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How to derive maximum benefits on Flipkart Axis Bank Credit Card ?

If you are not sure on how to maximize the card benefits, here are a few points to consider:

  • Shopping: Flipkart, much like Amazon, deals in a wide range of items. Thus, you can switch to Flipkart for most of your shopping needs, ranging from large appliances and gadgets to books, apparel, and groceries, and on all of these, you can get 5% cashback.
  • Travel: Use Cleartrip and Uber for travel bookings and daily commute to earn 5% and 4% cashback respectively.
  • Other Lifestyle Spends: Use PVR for movie ticket bookings and Cult.fit for health benefits over other similar platforms to again earn 4% cashback.
  • Fee Waiver: Ensure spending around Rs. 30,000 per month to meet the annual fee waiver of Rs. 3.5 Lakh. This will help you save Rs. 500 on annual fee, besides offering unlimited cashback.

Flipkart Axis Bank Credit Card: Fees & Charges

Fee Type Amount
Annual Fee Rs. 500 (waived off on spending Rs. 3.5 lakh in the previous year)
Finance Charges 3.75% per month
Late Payment Fee For Outstanding Amount-

  • Less than Rs. 500: Nil
  • From Rs. 501 to Rs. 5,000: Rs. 500
  • From Rs. 5,001 to Rs. 10,000: Rs. 750
  • Greater than Rs. 10,000: Rs. 1,200

*To view the most important terms and conditions, Click Here.

Note: An additional fee of Rs. 100 will be charged per cycle if the Minimum Amount Due (MAD) is not cleared for two consecutive billing cycles.

Axis-Bank-Credit-Cards-Digitally

Flipkart Axis Bank Credit Card: Eligibility & Documents Required

Criteria Details
Age Requirement 18 to 70 years
Minimum Income Required Salaried Individuals: Rs. 15,000 Self-Employed: Rs. 30,000
Occupation Salaried or Self-employed
Documents Required Click here for the list of acceptable documents

Note: The eligibility criteria mentioned above is only suggestive; final approval will be based on the Axis Bank’s internal policies.

Flipkart Axis Bank Credit Card FAQs

Will I get cashback on fuel transactions?
No, fuel transactions are not eligible for the cashback. Some more transaction types which are not eligible for the cashback are purchase of gift cards on Flipkart and Myntra, EMI transactions, purchases converted to EMI post facto, wallet loading transactions, purchase of gold items, cash advances, payment of outstanding balances and Payment of card fees and other card charges.

Do I get any reward points on Axis Bank Flipkart Credit Card?
No, instead of reward points, this Axis Bank credit card offers direct cashback for all transactions. The accumulated cashback will be directly credited in the statement. You can also login to your Flipkart Axis Bank Credit Card account to check and avail other card services and offers.

Can I use Flipkart Axis Bank credit card offline or in an ATM?
Yes, you can use your Flipkart Axis Bank credit card to make offline as well as online purchases. You may use your card at POS, on online platforms and at ATMs. However, on using the credit card at the ATM for cash withdrawal, additional 2.5% cash withdrawal fee (minimum Rs. 500) and finance charges of 3.6% per month are applicable from the day of withdrawal. Credit card cash withdrawal is thus, not an advisable form of credit as it involves hefty charges.

Where can I avail the fuel surcharge waiver?
You can avail the fuel surcharge waiver at any petrol pump across India. The maximum waiver amount, however, has been capped at Rs. 400 per month. Also, the fuel transaction must be between Rs. 400 to Rs. 4,000. An amount above or below it will not be eligible for a surcharge waiver.

What is the foreign exchange markup fee?
Every time you make a payment in a foreign currency, a foreign exchange markup fee is charged on the amount. For Flipkart Axis Bank Credit Card, this rate is 3.50%. 

How can I check my Flipkart Axis Bank Credit card status after applying?
To check your Flipkart Axis Bank Credit Card status you can connect with customer care or directly login to the bank’s website. You can click here to know your application details. You will need your application ID or PAN Card no. with your mobile number to access the status of your application.

How long will it take for my application to be processed?
After you have applied for the card and submitted all the necessary documents, it may take up to 21 working days for the bank to issue the card to you.

Is Flipkart Axis Bank Credit Card useful?
Flipkart Axis Bank Credit Card is useful for those who shop online frequently via Flipkart and other partner platforms and brands. You can earn accelerated cashback on these brands across spending categories, like shopping, entertainment, travel and other lifestyle-related categories. Refer above to know its detailed features.

What are the Flipkart Axis Bank Credit Card customer care numbers?
You can reach out to Axis Bank Credit Card customer care via the following numbers, 1860-419-5555 and 1860-500-5555.

4 Comments
Debosmita Dutta
September 19, 2023

If I pick up some money from atm with my credit Card will I get the emi facility for that transaction?

Team PaisaBazaar
September 20, 2023

In most cases, cash withdrawal transactions are not eligible for EMI conversion. However, this may vary across credit cards and providers. We advise you to contact Axis Bank Credit Customer Care at 1860 419 5555, for more details.

Mohan
July 23, 2023

I want to have Flipkart Axis Bank credit card. Let me know the procedure.
Thank you

Team PaisaBazaar
July 24, 2023

You can apply for Flipkart Axis Bank Credit Card by entering your mobile number in the form given on this page and clicking on the “Check Offers” button. Then, enter the OTP sent to the registered mobile number for verification, after which the pre-approved credit card offers will be shown to you. Choose and apply for the most suitable credit card as per your eligibility and requirement. Thereafter, provide the necessary details and documents as asked to complete your application.

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