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.
Axis Bank
Flipkart Axis Bank Credit Card
Co-branded
Cashback
Online Shopping
1st Year Fee: ₹500* Plus Applicable Taxes
Shopping
Unlimited 5% cashback on Flipkart
Travel
Unlimited 5% cashback on Cleartrip
Cashback
Unlimited 4% cashback on top brands
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About Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card is among India’s top cashback credit cards for online shopping. Consumers can earn 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, the card’s benefits are spread across multiple categories, such as travel, entertainment, dining, and lifestyle.
The card comes with a base cashback rate of 1% and 1 complimentary domestic lounge visit per quarter, albeit subject to meeting the quarterly spending of Rs. 50,000. The addition of Cleartrip to the maximum cashback category enhanced its value for travellers.
Note: Details mentioned in the video have been sourced from the issuer’s website as of Oct 2024. For updated information, refer to this page.
Welcome & Cashback Benefits
Welcome Benefits: Cardholders can avail welcome benefits worth Rs. 600 as per the below details:
- 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“
Cashback Benefits: 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)1
- Unlimited 1% cashback on transactions apart from Flipkart & preferred merchants2,3
Other Features & Benefits
Lounge Access: 1 complimentary domestic lounge visit every quarter (Max. 4 in a year) on spending min. Rs. 50,000 during the previous quarter.
Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000 (Maximum waiver of Rs. 400 in a month).
Dining Benefit: Up to 15% discount (Max. Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights programme.
EMI Conversion: Convert transactions above Rs. 2,500 into easy EMIs through phone banking.
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₹500 Plus Applicable Taxes
Waived off on annual spends of Rs. 3.5 Lakh₹500 Plus Applicable Taxes
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Flipkart Axis Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 | ||||||||||
| Annual Fee | Rs. 500 | ||||||||||
| Finance Charges | 3.75% per month | ||||||||||
| Late Payment Charges |
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Flipkart Axis Credit Card Vs. Amazon 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 |
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| Cons |
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| Get the card if | You are a Flipkart and partner merchant loyalist | You are an Amazon loyalist and have the Prime membership |
Maximize Savings through Flipkart Axis 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 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
Things to Know Before you apply
Get this card if:
You frequently shop online through Flipkart
You travel often and prefer to make bookings through Cleartrip
You want a low annual fee credit card with high cashback benefits on online shopping
You are a new Swiggy customer looking to maximize welcome benefits
Eligibility Criteria:
Age: 18 to 70 years
Occupation: Salaried or Self-employed
Monthly Income Requirement: Rs. 15,000 for Salaried
Monthly Income Requirement: Rs. 30,000 for Self-employed
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What do we like about this card?
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 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.
Pros
- Accelerated cashback (5%) for all Flipkart users
- Welcome benefits worth Rs. 600, exceeding the joining fee
- Good cashback rate across accelerated categories
- Unlimited cashback without any capping
Cons
- 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
Frequently Asked Questions
Everything you need to know about this credit card
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.
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.
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 3.75% 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.
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.
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%.
To check your Flipkart Axis Bank Credit Card status you can connect with customer care or directly login to the bank’s website. You will need your application ID or PAN Card no. with your mobile number to check the status of your application.
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.
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.
You can reach out to Axis Bank Credit Card customer care via the following numbers, 1860-419-5555 and 1860-500-5555.
Footnotes
- 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.
- 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).
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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4 Comments
If I pick up some money from atm with my credit Card will I get the emi facility for that transaction?
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.
I want to have Flipkart Axis Bank credit card. Let me know the procedure.
Thank you
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.