| Flipkart Axis Bank Credit Card Rating |
| Reward Points ★★ Cashback ★★★★ Annual Fee ★★★ Travel Benefits ★★ Offers & Discounts ★★★★ |
| Overall Rating ★★★★ |
Flipkart Axis Bank Credit Card is one of the best cashback credit cards in India and is best suited for those who prefer shopping with Flipkart and Myntra. The card offers 1.5% cashback across all online and offline transactions, which is the second highest rate after Axis Ace Credit Card which offers 2% cashback. The card comes with welcome benefits on various brands and cashback on several preferred merchants. Here is our detailed review of Flipkart Axis Bank credit card that can help you decide if you can give this one a go-ahead.
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About Flipkart Axis Bank Credit Card at a Glance |
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| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 (waived off on annual spends greater than Rs. 2 lakh ) |
| Best Suited For | Cashback, Shopping and Travel |
Read more about the card in detail
Key Highlights:
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Welcome Benefits worth Rs. 1,100
Flipkart Axis Bank credit card comes with some great offers with their welcome benefits.
| Brand | Offer Details | Terms and Conditions |
| Flipkart | Get Flipkart voucher worth Rs.500 on the first transaction |
The transaction should be made in the first 30 days and the voucher will be sent to the registered mobile number |
| Myntra | 15% cashback up to Rs. 500 on the first transaction on Myntra with Flipkart Axis Credit Card | This offer can be used only on the first transaction and the cash back earned will be processed within 45 days |
| Swiggy | 50% discount up to Rs. 100 on your first transaction for new Swiggy customers using Flipkart Axis Bank credit card. | Use the code “AXISFKNEW” |
*Read more for detailed Terms and Conditions on the above offers.
Earn Cashback on Every Transaction
Flipkart Axis Bank Credit Card offers cashback in the following manner:
| Merchant Platform | Cashback Offered |
| Flipkart, Myntra | 5% |
| Preferred Merchants | 4% |
| All Other Merchants | 1.5% |
The flat cashback rate on Flipkart is good when compared to other cards in the market. Also, unlike 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. Whatever cashback you earn will be directly credited to your credit card account thus taking away the hassle of reward/cashback conversion.
Here is an example to understand cashback earning on the Flipkart Credit Card
Suppose that you spend Rs. 60,000 in a billing cycle. The break-up of his spending is as follows:
- Flipkart: Rs.20,000
- Uber: Rs.5,000
- Other spends: Rs.35,000 (including an EMI of Rs.10,000)
Since EMI transactions are not eligible for cashback, the EMI transaction worth Rs.10,000 will be excluded in cashback calculation. (Note that some transactions are not eligible for earning cashback via this credit card. These are fuel spends, purchase of gift cards on Flipkart & Myntra, EMI transactions, post facto convert of purchases into EMI, wallet loading, purchase of jewelry, cash advances, payment of outstanding balance, payment of card related fee & charges, rental payments.)
Total spending eligible for cashback: Rs. 20,000 + Rs. 5,000 + Rs. 25,000 = Rs. 50,000
Cashback calculation for the same billing cycle would be:
- 5% of Rs.20,000 (Flipkart) = Rs. 1,000
- 4% of Rs.5,000 (Uber) = Rs. 200
- 2% of Rs.25,000 = Rs.375
Total cashback credit to your account = Rs. 1,575
Other Cashback Credit Cards to Consider
| Credit Card | Annual Fee | Best Suited For | Key Feature |
| Cashback SBI Card | Rs. 999 | Online Shopping | 5% cashback on all online spends, irrespective of category or merchant |
| Axis Bank ACE Credit Card | Rs. 499 | Utilities and Food Orders | 5% cashback on bill pay and recharge via Google Pay |
| HSBC Cashback Credit Card | Rs. 750 | Online Shopping | 5% cashback on all online spends* |
| HDFC Millennia Credit Card | Rs. 1,000 | Overall Cashback Benefit | 5% cashback on Amazon and Flipkart; 1% cashback on offline spends and wallet reloads |
| Standard Chartered Manhattan Platinum Credit Card | Rs. 999 | Supermarket Spends | 5% cashback when shopping at supermarkets |
*Terms and Conditions Apply.
More Benefits of Axis Bank Flipkart Credit Card
- Complimentary Airport Lounge Access – Being primarily a shopping credit card, Axis Bank Flipkart makes sure to cover all the categories. The complimentary domestic airport lounge access is an added benefit for the frequent travellers. You will get 4 complimentary lounge visits in Delhi, Bangalore, Mumbai, Pune, Chennai, Hyderabad and Kolkata every year.
- Fuel Surcharge Waiver – Get 1% fuel surcharge waiver across all fuel stations in India. Valid on fuel transactions between Rs.400 and Rs.4,000 with maximum benefits up to Rs.500, however, no cashback is earned on any fuel transactions.
- Dining Discounts – With Flipkart Axis Bank credit card, you can get up to 20% off at partner restaurants in India
2 Comments
Drawbacks of Flipkart Axis Bank Credit Card:
2. No International airport lounge access comes with this card.
This contradicts the information you’ve furnished in the preceding sections of this very article. Please have a look and fix.
Hello,
The card does not offer international lounge access to the customers but only domestic lounge access, which is what we have mentioned in the article. This is what we have mentioned as a drawback in the article.