Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card


Joining Fee: Rs 500+GST
Annual Fee: Rs 500+GST




1.5% to 5%



Issued On

Visa, Mastercard


Domestic Airport Lounge Access, Fuel Surcharge Waiver

Table of Contents

Axis Bank’s entry-level credit card offerings are some of the best in the market. Neo, MyZone, Ace, and Flipkart Axis Bank are some great cards with their rewards and benefits. While Ace is the all-rounder cashback credit card, the Flipkart Axis Bank credit card is worth a look as well. Especially, if someone shops from Flipkart. Here is a review of the Flipkart Axis Bank credit card.

Fees and Charges

Flipkart Axis Bank credit card comes with a joining/annual fee of Rs 500 plus GST. The welcome benefits include a Flipkart GV of Rs 500 and 15% cashback up to Rs 500 on Myntra. From the 2nd year onwards, the annual fees are waived on spends of Rs 2 Lakhs.

LTF IndusInd Bank Credit Cards

Eligible transactions for getting annual fee waiver do not include rent and wallet load transactions.

Joining FeeRs 500+GST
Welcome BenefitRs 500 Flipkart Gift Voucher

15% cashback up to Rs. 500 on the first Myntra transaction using this card
Annual FeeRs 500+GST
Annual Fee WaiverSpend Rs 2 Lakhs in a membership year
Flipkart Axis Bank Credit Card Review: Fees and Charges


Flipkart Axis Bank credit card gives rewards in the form of cashback. The earned cashback in a statement period is automatically credited to the next statement. There is no max cap on any of the cashback categories. This is in line with what Amazon Pay ICICI Bank credit card offers as well.

But, unlike the Amazon Pay card we get direct cashback over here. Cashback is always better than reward points that get added as a gift card. The 1.5% cashback on other spends make this card suitable for offline spends as well. None of the categories have an upper cap on the cashback.

LTF IDFC First Bank Credit Cards
Flipkart Axis Bank Credit Card Review: Preferred Partners
Bill Payments, Travel, and Add Money1.5% for transacting through Smart Store – Bills and Recharges
Flights and Hotel Payments on Flipkart1.5%
Spends at Cleartrip, Swiggy, Uber, PVR, Cure.fit, and Tata Play4%
Other Spends1.5%
Flipkart Axis Bank Credit Card Review: Cashback

Excluded Transactions for Cashback

Below transactions will not get any cashback on the Flipkart Axis Bank credit card:

  • Fuel Spends
  • Gift Card purchases on Flipkart, Myntra
  • EMI transactions or purchases converted to EMI
  • Wallet loading transactions
  • Jewelry Purchases
  • Rent Payments
  • Government Services

Fuel Surcharge Waiver

The Flipkart Axis Bank credit card provides a 1% surcharge waiver for fuel purchases. The transaction amount needs to be between Rs 400 and Rs 4000. The maximum surcharge waiver is Rs 400 per statement.

Airport Lounge Access

Flipkart Axis Bank credit card offers 4 complimentary domestic lounge visits in India per calendar year. So, if you are an occasional domestic traveler this card can help you with lounge access. The list of participating lounges is limited to a few cities – Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, and Pune. The details are available over here.

AU Bank Xcite Ace

There is no international airport lounge access on the Flipkart Axis Bank credit card.

Pros and Cons

Other Benefits and Charges

  • Fuel Surcharge Waiver: 1% waiver on transactions between Rs 400 and Rs 4000. Maximum fuel surcharge waiver of Rs 400 per statement cycle.
  • Foreign Currency Transaction Charges: 3.5%+GST
  • Finance Charges: 3.6% per month / 52.86% annually

Flipkart Axis Bank vs Amazon Pay ICICI Bank credit card

The Flipkart Axis Bank credit card is a notch above the Amazon Pay ICICI Bank credit card:

  • Cashback vs Rewards: The Flipkart Axis Bank card gives cash back. This is always preferable as that is adjusted against the statement outstanding. For Amazon Pay card, it gets added to the Amazon Pay balance which needs to be used for the next purchases.
  • At Least 1.5% Cashback: Flipkart Axis card gives at least 1.5% cashback compared to 1% on the Amazon Pay ICICI credit card.
  • Lounge Access: Flipkart Axis card is the only one to offer complimentary lounge access.

But, the Amazon Pay ICICI Bank credit card is better in two aspects. It is a LTF card and also offers rewards on most spends including government services. Also, see – Flipkart Axis Bank vs Amazon Pay ICICI credit card

Final Thoughts

Flipkart Axis Bank credit card is a good option for someone who prefers direct cashback. If you use Flipkart for shopping, the 5% unlimited cashback can provide great savings. Add in the least 1.5% cashback and this can be an everyday credit card that can be used for all transactions. Axis Bank allows multiple credit cards for one account, so you can hold other Axis credit cards as well.

SBI Cashback is another alternative for getting 5% cashback on online shopping. It works everywhere including Flipkart.

Flipkart Axis Bank Credit Card

Card Maven

Joining / Annual Fees
Features and Benefits
Axis Bank My Zone Credit Card LTF
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15 thoughts on “Flipkart Axis Bank Credit Card”

      1. Ankur arora

        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

  1. Sumukh Aithal

    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 ?

    1. Card Maven

      Hey. Yes, I tweeted yesterday but did not get time to update the article. Removed reference to LTF offer from relevant articles. Thanks!

  2. Minimum transaction amount for fuel surcharge waiver is 400₹. Please modify the article. I learnt it the hard way.

    1. Card Maven

      Thanks! I have fixed it now. The Axis Flipkart card product page mentions the same as well.

    1. Card Maven

      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.

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