The Flipkart Axis Bank Credit Card is one of the most popular cashback credit cards in India and is designed for shoppers who frequently use Flipkart, Myntra and other partner brands. It is a simple cashback card that gives you 5% cashback on Flipkart purchases and rewards you for spending on a few other popular brands as well.
The card comes with a joining and annual fee of ₹500, which is easy to recover if you regularly shop online. You also get 1% cashback on most day to day spends, so the card remains useful even outside Flipkart.
In this review, we’ll look at the card’s cashback benefits, fees, charges, pros, cons and whether it is still worth getting in 2026.
Flipkart Axis Bank Credit Card Fees and Welcome Benefits
The Flipkart Axis Bank Credit Card comes with a joining fee and annual fee of ₹500 plus GST. While the card is not lifetime free, the fee is relatively easy to recover through cashback if you regularly shop on Flipkart, Myntra, Swiggy, Uber or other partner brands.
New cardholders receive a ₹250 Flipkart voucher after making their first transaction. The annual fee is waived if you spend ₹3.5 lakh or more in a membership year, excluding rent and wallet load transactions.
| Fee Type | Details |
|---|---|
| Joining Fee | ₹500 + GST |
| Welcome Benefit | ₹250 Flipkart Voucher on first transaction |
| Annual Fee | ₹500 + GST |
| Annual Fee Waiver | Spend ₹3.5 lakh in a membership year (excluding rent and wallet load transactions) |
For most users, the real value of the card comes from its cashback program rather than the welcome benefit. Even a few months of regular spending on Flipkart and partner merchants can easily offset the annual fee.
Flipkart Axis Bank Credit Card Cashback
| Category | Cashback |
|---|---|
| Myntra | 7.5% cashback (up to ₹4000 per statement quarter) |
| Flipkart | 5% cashback (up to ₹4000 per statement quarter) |
| Cleartrip | 5% cashback (up to ₹4000 per statement quarter) |
| Swiggy Food, Uber, PVR, Cult.fit | 4% cashback |
| Other Eligible Spends | 1% cashback |
The biggest attraction of the Flipkart Axis Bank Credit Card is the accelerated cashback on Flipkart Group brands. Frequent Myntra shoppers can earn 7.5% cashback, while purchases on Flipkart and Cleartrip earn 5% cashback.
The introduction of cashback caps has reduced the appeal for high spenders, but most users are unlikely to hit these limits. To earn the maximum quarterly cashback, you would need to spend around ₹53,000 on Myntra or ₹80,000 on Flipkart and Cleartrip in a statement quarter.
We also like the 4% cashback category, which includes popular brands such as Swiggy, Uber, PVR and Cult.fit. These are services many cardholders use regularly, making the card useful beyond just online shopping.
For all other eligible spending, the card offers a flat 1% cashback. While this is not market-leading, it is still good enough for a low-fee cashback credit card.
Excluded Transactions for Cashback
Below transactions will not get any cashback on the Flipkart Axis Bank credit card. This is quite an exhaustive list!
Cashback is not awarded on the categories listed above. If a large part of your spending falls into these categories, your actual cashback earnings may be lower than expected.
Flipkart Axis Bank Credit Card Fuel Surcharge Waiver
| Benefit | Details |
|---|---|
| Fuel Surcharge Waiver | 1% |
| Eligible Transaction Amount | ₹400 to ₹4000 |
| Maximum Waiver | ₹400 per statement cycle |
Flipkart Axis Bank Credit Card Airport Lounge Access
The Flipkart Axis Bank Credit Card no longer offers complimentary airport lounge access. Earlier versions of the card included domestic airport lounge visits, but this benefit has since been discontinued.
| Lounge Benefit | Availability |
|---|---|
| Domestic Airport Lounge Access | Not Available |
| International Airport Lounge Access | Not Available |
The removal of lounge access is one of the biggest devaluations the card has seen. While this does not affect its appeal as a cashback credit card, it does make the Flipkart Axis Bank Credit Card less attractive for frequent travellers. If airport lounge access is important to you, there are several other cards in the same fee range that offer complimentary domestic lounge visits.
Who Should Get the Flipkart Axis Bank Credit Card?
- Frequent Flipkart shoppers
- Regular Myntra users
- People who spend heavily on Swiggy, Uber and PVR
- Users looking for direct cashback instead of reward points
- Those comfortable paying a ₹500 annual fee
Who Should Avoid the Flipkart Axis Bank Credit Card?
- Users looking for lounge access
- People with high insurance and utility spends
- Those wanting a lifetime free credit card
- Users seeking one card for all spending categories
Pros and Cons
The Pros
- 7.5% cashback on Myntra purchases (capped at ₹4,000 per quarter)
- 5% cashback on Flipkart shopping and Cleartrip travel bookings
- 4% unlimited cashback on preferred brands: Swiggy, Uber, PVR, and Cult.fit
- 1% unlimited cashback on most other regular online and offline spends
- Direct cashback credited straight to your monthly card statement
- Low ₹500 annual fee, which is waived if you spend ₹3.5 lakh in a year
The Cons
- No complimentary domestic or international airport lounge access
- Quarterly cashback caps apply to Flipkart, Myntra, and Cleartrip spends
- No cashback on rent payments, insurance premiums, education, and utility bills
- No cashback on wallet loading, cash withdrawals, and EMI transactions
- The ₹3.5 lakh spend target for the fee waiver is high for casual users
- Low cashback rate when used outside of the partner apps and website ecosystem
- Not ideal as a single card for all your monthly expenses
Flipkart Axis Bank Credit Card vs Other Cashback Credit Cards
If you’re considering the Flipkart Axis Bank Credit Card but already have other cashback credit cards in your wallet, it’s worth comparing the cashback rates before deciding which card to use. The chart below compares the Flipkart Axis Bank Credit Card against other popular cashback credit cards across different spending categories, helping you identify the card that offers the highest returns for your purchases.
Final Thoughts: Is the Flipkart Axis Bank Credit Card Worth It?
The Flipkart Axis Bank Credit Card remains one of the best cashback credit cards for frequent Flipkart and Myntra shoppers. The combination of 5% cashback on Flipkart, 7.5% cashback on Myntra and 4% cashback on popular brands like Swiggy, Uber, PVR and Cult.fit can easily justify the ₹500 annual fee for the right user.
That said, the card is not as compelling as it once was. The removal of airport lounge access, quarterly cashback caps and an increasingly long list of excluded categories have reduced its overall appeal. If a large part of your spending is on insurance, education, rent or utility payments, you may find the actual cashback earned to be lower than expected.
Compared to the Amazon Pay ICICI Credit Card, the Flipkart Axis Bank Credit Card offers the advantage of direct cashback credited to your statement instead of rewards that are restricted to Amazon Pay. On the other hand, the Amazon Pay ICICI Credit Card remains lifetime free and has a simpler rewards structure.
Overall, we think the Flipkart Axis Bank Credit Card is still worth getting if you regularly shop on Flipkart, Myntra and its partner brands. However, if your goal is to maximize cashback across all online spending, cards like the SBI Cashback Credit Card, Swiggy HDFC Bank Credit Card and HSBC Live+ Credit Card may offer better overall value.
For most Flipkart and Myntra shoppers, we believe the Flipkart Axis Bank Credit Card remains one of the best cashback credit cards in India despite recent devaluations.
Flipkart Axis Bank Credit Card FAQs
Yes, it is one of the best cards if you shop a lot on Flipkart or Myntra and want cashback credited directly to your monthly bill.
The fee is ₹500 + GST per year. However, if you spend ₹3.5 lakh or more in a year, this fee is waived.
You get 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, 4% on partner brands (Swiggy, Uber, PVR, Cult.fit), and 1% on most other spends.
Cashback for Flipkart, Myntra, and Cleartrip is limited to ₹4,000 per statement quarter for each platform.
No. The card no longer offers complimentary access to domestic or international airport lounges.
Yes. You get a 1% waiver on fuel surcharges for transactions between ₹400 and ₹4,000. The maximum waiver is ₹400 per month.
Your earned cashback is automatically added to your credit card account just before your next monthly statement is generated.
No. Transactions for insurance, rent, education, utilities, government services, and wallet reloads do not earn cashback.
If you shop on Flipkart and Myntra, choose Axis. If you shop on Amazon, the ICICI card is better as it is lifetime free.
The SBI Cashback card, Swiggy HDFC card, and HSBC Live+ card are the best current alternatives.
Flipkart Axis Bank Credit Card
Can add-on card holders share the lounge access or are they ineligible
Yes, they can
Devalued updates kar do har card k review mai
Yep. Done for this one. The other ones will follow soon.
fee waiver is at 3.5 lacs and does this card still deserve 3.8 rating. when there is millenia, sbi cashback, swiggy hdfc, tata neu infinity
Why cant they make the card lifetime free like ICICI?
They do have LTF offers on this card from time to time.
update: tata play is not a preferred merchant
This is now updated. Thanks!
How do i know the partner restaurants that are eligible for cashbacks with this card ? If i buy something of 16k worth and convert it into EMI , merchant gives me no cost emi, will AXIS still charges me 15% interest ?
FK card now offers 1.5% cashback for EMI also
I still see the exclusion on the website at https://www.axisbank.com/docs/default-source/default-document-library/cashback-tncs—final.pdf
Did you recently receive cashback for an EMI transaction?
Hey Manas, LTF offer is over now. You can update this article.
Hey. Yes, I tweeted yesterday but did not get time to update the article. Removed reference to LTF offer from relevant articles. Thanks!
Minimum transaction amount for fuel surcharge waiver is 400₹. Please modify the article. I learnt it the hard way.
Also, GSTs are not reversed. This is a subtle T&C. You can add this too if you want.
Are you taking about gst on fuel transaction?
Thanks! I have fixed it now. The Axis Flipkart card product page mentions the same as well.
Is there any clause on insurance purchase in terms of cashback from this card ?
No cashback exclusion clause for insurance transactions in the case of Flipkart Axis Bank credit card. Do check this link for the cashback T&C for the card and keep it for reference in case of any issue. Also, try to pay directly using the card instead of using any wallet gateway like Paytm/Mobikwik. Payments through wallet gateways mostly don’t get cashback as they are tagged as wallet transactions.