Flipkart Axis Bank Credit Card Review 2026: Benefits, Cashback, Fees & Is It Worth It?
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A lot of people ask the same question before Flipkart’s big sale days — “Which card should I use to save the most money?” The Flipkart Axis Bank Credit Card comes up again and again. But just picking a card because it’s popular isn’t smart. You need to know the real fees, cashback limits, and new rules before you decide.
In this 2026 detailed review, we’ll explain everything in plain, simple words so you can make the right choice — no confusing bank jargon, just clear information.
(4.3/5)
Quick summary
| Amount | |
| Joining fee | ₹500 + GST (First Year Free offers run periodically) |
| Annual/renewal fee | ₹500 + GST (Waived on ₹3,50,000 annual spend) |
| Cashback rate | 7.5% on Myntra | 5% on Flipkart & Cleartrip |
| Best for | Online Shopping (Flipkart & Myntra), Daily Commute, & Food Delivery |
| Our Verdict | Great for Flipkart & Myntra shoppers. Less rewarding for people who spend mostly on rent, utility bills, or fuel. |
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Table of Contents
Flipkart Axis Bank Credit Card - Rewards & Cashback Structure: How Much Can You Actually Save?
One of the biggest reasons people choose the Flipkart Axis Bank Credit Card is its cashback. The good thing is that you don’t have to collect reward points or convert them later. Whatever cashback you earn is automatically adjusted in your credit card statement.Let’s see how it works in simple words.
Primary Cashback Category (The Big 5% & 7.5% Savings)
- 7.5% Cashback on Myntra: Yes, if you buy clothes or shoes from Myntra, you get a flat 7.5% cashback. But remember, this cashback is capped at a maximum of ₹4,000 per statement quarter.
- 5% Cashback on Flipkart & Cleartrip: For any everyday shopping on Flipkart (except Flipkart Health) or holiday bookings on Cleartrip, you get a flat 5% cashback. Axis Bank tracks both merchants separately, and you can earn up to ₹4,000 max cashback per quarter on Flipkart, and another ₹4,000 max per quarter on Cleartrip.
- Your total spend: ₹30,000
- Cashback rate: 5%
- Real Cashback you earn: ₹1,500 cash credited straight to your credit card bill
Secondary Cashback Category (4% Partner Rewards & 1% Everywhere Else)
Even if you are not shopping on Flipkart or Myntra, this card still earns you solid cashback on your everyday lifestyle spends:
4% Unlimited Cashback on Preferred Merchants: Axis Bank has partnered with a few top brands where you get a flat, unlimited 4% cashback with no monthly limits at all! These partners are:
- Swiggy (Only works when you order food. Remember, it will not give you 4% for grocery orders on Instamart or Genie).
- Uber (For all your daily auto, bike, or cab rides).
- PVR (For weekend movie tickets and popcorn).
- FITPASS & Stagga by FITPASS (For your gym memberships and fitness plans).
- 1% Unlimited Base Cashback: For any other ordinary transaction online or offline (like buying groceries at a local supermarket), you get a steady 1% unlimited cashback.
One small catch you must know:
your transaction value must be more than ₹100 to earn this cashback. If you make a small payment of ₹50 or ₹90 on Uber or Swiggy, you will get Zero Cashback.
⚠️ No Cashback on These Transactions
You will NOT get cashback on these spends:This is the part many people miss.
No Cashback on Fuel Spends (Filling petrol or diesel at any fuel station).
No Cashback on Wallet Loads (Adding money to digital wallets like Paytm or Mobikwik).
No Cashback on Utility & Telecom (Paying electricity bills, water bills, or mobile recharges).
No Cashback on Education Services (School or college fees payments via apps).
No Cashback on Government Services (Paying taxes, penalties, or official government portal fees).
No Cashback on EMI Conversions & Gold (Converting transactions into monthly EMIs or buying gold jewelry).
Example
Let’s say you spend ₹74,000 in one month.
- Flipkart Shopping – ₹20,000
Cashback – ₹1,000 - Myntra Shopping – ₹8,000 Cashback – ₹600
- Electricity Bill – ₹6,000 No Cashback – 0
- Rent Payment – ₹25,000 No Cashback – 0
- Fuel – ₹5,000 No Cashback – 0
- Wallet load – ₹10,000No Cashback – 0
- Flipkart Shopping – ₹20,000
Total cashback: ₹1,600
Notice something? You spent ₹74,000 in total, but only ₹28,000 of that actually earned cashback. Rent, fuel, and utility bills — the stuff a lot of us spend the most on every month — earn you nothing on this card.
BankTufan Tip: If your goal is to earn maximum cashback, use this card mainly for Flipkart, Myntra, Cleartrip, Preferred Merchants, and everyday shopping. Avoid using it for excluded categories like rent, fuel, wallet loads, utility bills, education, government payments, insurance, and gold purchases because these transactions don’t earn cashback.
Flipkart Axis Bank Credit Card- Honest Cashback Value & Statement Credit
The Flipkart Axis Bank Credit Card does not offer reward points. Instead, you earn cashback, which is automatically adjusted in your credit card statement.
Here’s how it works:
- No Reward Points – You earn cashback directly instead of reward points.
- 1 Cashback = ₹1 Savings – The cashback you earn has the same value in rupees.
- Automatic Statement Credit – Cashback is automatically credited to your credit card statement. No manual redemption is required.
- No Redemption Fee – There is no fee to use your cashback.
- No Minimum Redemption Limit – You don’t need to collect a minimum number of points before using your cashback.
Flipkart Axis Bank Credit Card - Benefits & Features
- Joining Fee: ₹500 + GST
- Annual Renewal Fee: ₹500 + GST (Waived on annual spends of ₹3.5 lakh)
- Welcome Benefits: Up to ₹350 in welcome offers for eligible new cardholders.
- 7.5% Cashback: On eligible purchases made through Myntra (quarterly cashback cap applicable).
- 5% Cashback: On eligible spends at Flipkart and Cleartrip.
- 4% Cashback: On purchases made with selected Preferred Merchant Partners.
- 1% Unlimited Cashback: On all other eligible retail transactions.
- Direct Cashback Credit: Cashback is automatically credited to your credit card statement—no reward points or manual redemption required.
- Fuel Surcharge Waiver: 1% waiver on eligible fuel transactions across India.
- Domestic Lounge Access: Complimentary domestic lounge access is no longer available on this card
- Free Add-on Cards: Add-on cards available for eligible family members at no additional annual fee.
- Contactless Payments: Tap-and-pay enabled for faster and secure transactions.
- Best Suited For: Frequent Flipkart, Myntra, and Cleartrip users looking for a simple cashback credit card with straightforward benefits.
Flipkart Axis Bank Credit Card-Lounge Access
If you were planning to get this card for free airport lounge access, here’s something you should know.
The Flipkart Axis Bank Credit Card no longer offers complimentary airport lounge access. This benefit was discontinued in June 2025, so you won’t get free lounge visits with this card anymore.
If airport lounge access is important to you, don’t worry—we’re working on a list of the Best Airport Lounge Access Credit Cards in India. (Coming Soon).
But if you’re choosing this card mainly for cashback on Flipkart, Myntra, and everyday shopping, this change shouldn’t make much difference. The cashback benefits are still the biggest reason why most people choose this card.
Flipkart Axis Bank Credit Card-Fees and charges
| Charge type | Amount |
| Joining fee | ₹500 + GST |
| Annual/renewal fee | ₹500 + 18% GST. (Waived on ₹3,50,000 annual spend) |
| Cash withdrawal fee | 2.5% of the amount (Minimum ₹500) |
| Finance Charges | 3.75% per month (Up to 55.55% per year) |
| Late payment fee | Nil (under ₹500) · ₹500 (₹501–₹5,000) · ₹750 (₹5,001–₹10,000) · ₹1,200 (above ₹10,000) +₹100 extra if Minimum Due missed for 2 cycles in a row |
Fees accurate as of last verification date above. Always confirm current rates on the Axis Bank official website before applying.
Flipkart Axis Bank Credit Card - Eligibility & Documents Who Can Apply?
Eligibility
*These criteria are indicative — the bank reserves the final right to approve or decline any application.
Documents Required
*The list above is indicative — required documents may vary case to case.
Flipkart Axis Bank Credit Card - Pros & Cons
Pros
- Low joining fee (₹500) compared to most cashback cards
- Strong cashback rates: 5% on Flipkart/Cleartrip, 7.5% on Myntra
- Cashback is auto-credited directly to your statement — no manual redemption, no points-to-rupee conversion, no expiry to track
- 4% unlimited cashback on preferred merchant partners (no cap)
- 1% unlimited cashback on all other eligible spends
- Zero Redemption Fee
Cons
- Cashback on Flipkart/Cleartrip (5%) and Myntra (7.5%) is capped at ₹4,000 per merchant, per quarter — heavy shoppers hit this limit fast
- Airport lounge access has reportedly been removed in a recent policy revision — worth confirming current status before applying if travel perks matter to you
- Wide exclusion list — rent, fuel, wallet loads, and utility payments earn no cashback
- Renewal fee waiver needs a high ₹3,50,000 annual spend
- Best suited only if a large share of your spending is on Flipkart, Myntra, or Cleartrip — less rewarding for general spending
Flipkart Axis Bank Credit Card - Comparison
| Feature | Flipkart Axis Bank | Amazon Pay ICICI |
|---|---|---|
| Joining Fee | ₹500 + GST | ₹0 (lifetime free) |
| Renewal Fee | ₹500 + GST (waived on ₹3.5L/yr) | ₹0 (lifetime free) |
| Cashback Rate | 5% Flipkart/Cleartrip, 7.5% Myntra, 1% rest | 5% Amazon (Prime), 3% (non-Prime), 1% rest |
| Cashback Cap | ₹4,000/merchant/quarter | No cap |
| Best For | Flipkart & Myntra shoppers | Amazon-first shoppers |
If you mostly shop on Amazon, read the Amazon Pay ICICI Credit Card Review.
How to Apply Flipkart Axis Bank Credit Card
Applying for a credit card is quick and easy. Just follow the steps below.
Step 1: Check Your Eligibility
Before you apply, make sure you meet the bank’s eligibility requirements. Keep your PAN Card, Aadhaar Card, mobile number, and income details ready.
Step 2: Click the Apply Button
Click the “Check Eligibility & Apply Now” button on this page. You will be redirected to the bank’s official application page or our trusted partner.
Step 3: Fill in Your Details
Enter your basic information, including:
- Full Name
- Mobile Number
- PAN Card Number
- Date of Birth
- Employment Details
- Income Details
Make sure all the information is correct before submitting your application.
Step 4: Complete Verification
Verify your mobile number using the OTP. Depending on the bank, you may also need to complete a quick KYC or submit the required documents.
Step 5: Submit Your Application
Review your details carefully and submit your application.
Step 6: Wait for the Bank’s Decision
The bank will review your application based on your income, credit history, repayment record, and its internal eligibility criteria. If your application is approved, your credit card will be issued.
Step 7: Activate Your Card
Once you receive your card, activate it using the bank’s mobile app, internet banking, or customer care. After activation, you can start using your credit card.
Before You Apply
Before submitting your application, keep these points in mind:
- Check your CIBIL score.
- Read the card’s fees, charges, and benefits carefully.
- Apply only if the card matches your spending needs.
- Avoid applying for multiple credit cards at the same time.
- Keep your documents ready for a smooth verification process.
BankTufan Tip: A credit card is useful only when it matches your spending habits. Compare the benefits, fees, and eligibility before you apply, so you can choose the right card with confidence.
FAQs
Is the Flipkart Axis Bank Credit Card worth it?
Yes. If you regularly shop on Flipkart, Myntra, or Cleartrip, this card offers excellent cashback and can help you save money on your everyday purchases. However, if most of your spending is on fuel, rent, or utility bills, you may want to compare other cashback cards before applying.
What are the benefits of the Flipkart Axis Bank Credit Card?
Some of the key benefits include:
- Up to 7.5% cashback on Myntra.
- 5% cashback on Flipkart and Cleartrip.
- 4% cashback on preferred merchant partners.
- 1% cashback on other eligible spends.
- Welcome benefits for eligible new cardholders.
- Fuel surcharge waiver on eligible fuel transactions.
Is the Flipkart Axis Bank Credit Card lifetime free?
No. The card comes with a ₹500 joining fee and a ₹500 annual fee. However, the annual fee is waived if you spend ₹3.5 lakh or more in a card anniversary year.
What is the annual fee of the Flipkart Axis Bank Credit Card?
The card has a ₹500 joining fee and a ₹500 annual renewal fee (plus applicable GST). The renewal fee is waived on annual spends of ₹3.5 lakh.
What is the minimum salary required for the Flipkart Axis Bank Credit Card?
Axis Bank does not officially mention a minimum salary requirement. However, applicants with a stable income and a good credit profile generally have a better chance of approval.
Does the Flipkart Axis Bank Credit Card offer airport lounge access?
No. Axis Bank discontinued the complimentary airport lounge access benefit in June 2025.
What is the credit limit on the Flipkart Axis Bank Credit Card?
There is no fixed credit limit. The bank decides your credit limit based on your income, credit history, repayment behaviour, and overall eligibility.
Which is better: Flipkart Axis Bank Credit Card or Amazon Pay ICICI Credit Card?
It depends on where you shop.
- Choose Flipkart Axis Bank Credit Card if you mostly shop on Flipkart, Myntra, and Cleartrip.
- Choose Amazon Pay ICICI Credit Card if you shop mainly on Amazon and want a lifetime free credit card.
Why was my Flipkart Axis Bank Credit Card application rejected?
Your application may be rejected for several reasons, including:
- Low credit score.
- Insufficient income.
- Incorrect application details.
- Too many recent credit card applications.
- Not meeting the bank’s internal eligibility criteria.
You can improve your credit profile and apply again after some time.
Should You Apply for the Flipkart Axis Bank Credit Card?
Who Should Apply?
✅Frequent Flipkart shoppers
✅Myntra shoppers
✅Online shopping lovers
✅People who prefer cashback over reward points
Who Should Skip This Card?
People looking for airport lounge access
Frequent international travelers
Users who mainly spend on rent, fuel, utilities, or wallet loadsPeople looking for a lifetime free credit card
BankTufan's Final Verdict
The Flipkart Axis Bank Credit Card is a great choice for regular Flipkart and Myntra shoppers who want simple cashback on their everyday spending. If your shopping habits match the cashback categories, this card can offer excellent value.
However, if you need airport lounge access, travel benefits, or a lifetime free credit card, you should compare other options before applying.
Disclaimer
Card features, fees, cashback, and offers may change over time. Please check the official bank website before applying. Some links on this page may be affiliate links, which support BankTufan at no extra cost to you.