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Last updated: 29 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5% on Flipkart
Earn 7.5% cashback on Myntra (capped at ₹4,000/quarter). Earn 5% cashback on Flipkart and Cleartrip (capped at ₹4,000/quarter per merchant). Earn unlimited 4% cashback on preferred merchants (Swiggy, Uber, PVR, Fitpass). Earn unlimited 1% cashback on all other eligible online and offline spends.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual Fee Waiver: The renewal fee of ₹500 is waived upon achieving an annual spend of ₹3.5 Lakhs in the preceding year
Dining Discounts: Up to 15% off (max ₹500) at 10,000+ partner restaurants via the Axis Bank Dining Delights program
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (maximum waiver of ₹400 per billing cycle)
An honest read on where this card earns its keep — and where it doesn't.
Excellent 7.5% cashback rate on Myntra shopping
Strong 5% flat cashback for all regular Flipkart users
Cashback is directly auto-credited to the next month's statement, requiring no manual redemption
Unlimited 4% cashback on major lifestyle apps like Uber and Swiggy
Domestic airport lounge access was completely discontinued in mid-2025
Flipkart
Cleartrip, and Myntra cashbacks are now strictly capped at ₹4,000 per quarter each
Very high annual spend target of ₹3.5 Lakhs required to waive the ₹500 renewal fee
Rent, wallet loads, fuel, and EMI conversions are completely excluded from cashback rewards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Flipkart Axis Bank Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Flipkart Axis Bank Credit Card fees, reward conversion, lounge access, and application eligibility.
Flipkart Axis Bank Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "₹250 Flipkart voucher on your first transaction within 30 days of card issuance, plus 50% off (up to ₹100) on your first Swiggy order.".
Flipkart Axis Bank Credit Card earns Cashback at a primary rate of 5% on Flipkart. Specifically, Earn 7.5% cashback on Myntra (capped at ₹4,000/quarter). Earn 5% cashback on Flipkart and Cleartrip (capped at ₹4,000/quarter per merchant). Earn unlimited 4% cashback on preferred merchants (Swiggy, Uber, PVR, Fitpass). Earn unlimited 1% cashback on all other eligible online and offline spends.. Spends in Shopping, Cashback, Co-branded, Entry Level categories provide the maximum valueback per transaction on this card.
Yes, because Flipkart Axis Bank Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on Flipkart Axis Bank Credit Card can be redeemed for Statement Credit (Auto-credited to the card account) via Axis Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
A CIBIL credit score of 700 or above is strongly recommended for approval of Flipkart Axis Bank Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Flipkart Axis Bank Credit Card levies a forex markup fee of 3.5% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Flipkart Axis Bank Credit Card currently features a welcome offer: "₹250 Flipkart voucher on your first transaction within 30 days of card issuance, plus 50% off (up to ₹100) on your first Swiggy order.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent 7.5% cashback rate on Myntra shopping and Strong 5% flat cashback for all regular Flipkart users. However, keep in mind that Domestic airport lounge access was completely discontinued in mid-2025 and Flipkart. Overall, Flipkart Axis Bank Credit Card delivers strong value if your regular spending aligns with Shopping, Cashback, Co-branded, Entry Level.
Flipkart Axis Bank Credit Card is focused on Shopping and Cashback and Co-branded and Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Flipkart Axis Bank Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
