Axis
Axis Flipkart Credit Card
This is an invite only card
Apply and get ₹1400 Rewards
Top Benefits
Shopping Get 7.5% Cashback on Myntra
spends capped at ₹4,000 per statement quarter
Get 5% Cashback on Flipkart
spends capped at ₹4,000 per statement quarter
Best For
Shopping
Online Food Ordering
Dining
Travel
The Axis Flipkart Credit Card is built for one simple promise: pay you back when you shop. With cashbac...
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The Axis Flipkart Credit Card is built for one simple promise: pay you back when you shop. With cashbac...
The Axis Flipkart Credit Card is built for one simple promise: pay you back when you shop. With cashback going up to 7.5% on Myntra, 5% on Flipkart and Cleartrip, and 4% on a curated list of preferred merchants, this card sits comfortably among the highest-earning cashback cards in India for online shoppers in 2026.
What sets the Axis Flipkart Credit Card apart from generic rewards cards is the directness of the payback. Cashback is auto-credited to your statement every month, with no manual redemption, no points-to-rupee conversion gymnastics, and no expiry to track. You spend, the cashback shows up on next month's bill. That single design choice makes it one of the most user-friendly cashback cards on the market for first-time and casual shoppers alike.
The card is positioned for the urban Flipkart and Myntra loyalist between 21 and 35 years of age. If your monthly online spending sits between ₹10,000 and ₹40,000 and a chunk of it goes to Myntra fashion, Flipkart electronics, or Cleartrip travel bookings, the math works out cleanly in your favour. It is not the right pick if you shop primarily on Amazon, want airport lounge access, or pay a lot in rent and utilities, since none of those scenarios trigger meaningful cashback on this card.
View FAQ
Commonly Asked Questions
Who is the Axis Flipkart Credit Card best suited for?
The Axis Flipkart Credit Card is best for young salaried professionals who shop on Flipkart, Myntra, and Cleartrip. If you spend ₹15,000 to ₹30,000 a month online and at least 30% of that goes to Flipkart group brands, you are squarely in the target zone.
Is the Axis Flipkart Credit Card a lifetime free credit card?
No, the Axis Flipkart Credit Card has a joining fee of ₹500 and an annual fee of ₹500. The joining fee is offset by a ₹250 Flipkart voucher on the first transaction within 30 days, and the annual fee is waived on annual spends of ₹3.5 lakh or more.
What is the welcome benefit on the Axis Flipkart Credit Card?
You get a ₹250 Flipkart voucher on your first transaction within 30 days of card issuance, plus a 50% off (up to ₹100) Swiggy offer for first-time Swiggy users. Total welcome value sits at around ₹350, which clears more than half the joining fee right away.
How much cashback do I earn on Flipkart purchases?
You earn 5% cashback on Flipkart purchases, capped at ₹4,000 per statement quarter. So a quarterly Flipkart spend of ₹80,000 returns the full ₹4,000 cashback. That works out to ₹16,000 in cashback annually if you keep hitting the cap on Flipkart and one other category.
Expert Review
Joining/Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹590 ( ₹500 + GST )
The Axis Flipkart Credit Card carries a joining fee of ₹500 and an annual fee of ₹500. Both amounts are...
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The Axis Flipkart Credit Card carries a joining fee of ₹500 and an annual fee of ₹500. Both amounts are...
The Axis Flipkart Credit Card carries a joining fee of ₹500 and an annual fee of ₹500. Both amounts are exclusive of GST, so the actual debit on your statement is ₹590 each, including 18% GST.
The joining fee is partly offset by the welcome benefit. You receive a ₹250 Flipkart voucher on your first transaction within 30 days, which directly reduces the effective joining cost to ₹250 plus GST. Combined with the 50% off (up to ₹100) Swiggy benefit and other activation perks, total welcome value reaches roughly ₹350, bringing your net first-year fee outlay below ₹250.
The annual fee of ₹500 is waived if you spend ₹3.5 lakh or more in a card anniversary year. That works out to roughly ₹29,000 a month in eligible spending. This threshold is on the higher side compared to entry-level cashback cards (HDFC MoneyBack+ asks ₹50,000 a year, SBI Cashback asks ₹2 lakh), so the waiver is not automatic for casual users.
However, if you genuinely use this as your primary online shopping card and your monthly spend is in the ₹25,000 to ₹35,000 range, hitting ₹3.5 lakh is realistic. If you do not, the ₹500 fee is charged in your renewal cycle, which is a fair price given the volume of cashback the card delivers on Flipkart and Myntra spends.
View FAQ
Commonly Asked Questions
What is the joining fee of the Axis Flipkart Credit Card?
The joining fee is ₹500 plus 18% GST, bringing the total debit on your first statement to ₹590. The fee is partly offset by the ₹250 Flipkart voucher welcome benefit on first transaction.
What is the annual fee on this card?
The annual fee is ₹500 plus 18% GST (₹590 total), charged on the first card anniversary. The fee is waived if your annual spending crosses ₹3.5 lakh in the previous card year.
How is the annual fee waiver calculated?
Axis Bank tracks total spends from the date of card activation to the next card anniversary. If cumulative eligible spend touches ₹3.5 lakh, the next year's annual fee is automatically reversed in your statement, within one billing cycle of the anniversary.
How much do I need to spend monthly to hit the fee waiver?
You need to average ₹29,000 a month in eligible spends across 12 months to clear the ₹3.5 lakh annual threshold. For a heavy online shopper using this card as a primary plastic on Flipkart, Myntra, dining, and groceries, that is realistic.
What spends count towards the ₹3.5 lakh fee waiver?
Standard retail spends count, including Flipkart, Myntra, Cleartrip, Swiggy, dining, and general shopping. Excluded categories like fuel, EMI conversions, wallet loads, rent, government payments, insurance, education, and utility bills do not contribute towards the waiver target.
Are the joining and annual fees refundable?
The joining fee is not refundable once charged, since it is tied to card issuance and welcome benefits. The annual fee is reversed only if the spend-based waiver condition is met during the previous card year.
Can I get this card as a lifetime free option?
The standard Axis Flipkart Credit Card carries the ₹500 joining and ₹500 annual fee. Axis Bank periodically offers Lifetime Free promotional variants of this card through select channels, salary account bundles, and partner programmes, so it is worth checking current offers before applying.
Is GST charged on the joining and annual fees?
Yes, 18% GST is added on top of both the ₹500 joining fee and the ₹500 annual fee. So the actual amount that hits your statement is ₹590 each, inclusive of taxes.
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
The Axis Flipkart Credit Card has one of the more relaxed eligibility profiles among Indian co-branded ...
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The Axis Flipkart Credit Card has one of the more relaxed eligibility profiles among Indian co-branded ...
The Axis Flipkart Credit Card has one of the more relaxed eligibility profiles among Indian co-branded cards in 2026. The age window is wider than most cards, opening at 18 and going up to 70, and the income threshold sits comfortably within reach for most urban professionals.
The age range is 18 to 70 years for both salaried and self-employed applicants. The minimum monthly income is ₹25,000 for salaried applicants. Self-employed applicants need to demonstrate annual income of at least ₹3.5 lakh through ITR filings. A CRIF or CIBIL score of 720 or higher is preferred.
To frame this simply: a ₹25,000 monthly salary qualifies you, which most entry-level urban roles in India clear easily. A small business owner showing ₹35,000 a month in net profits with two years of clean ITR filings is also a strong candidate. The 720 credit score requirement is friendlier than the 750 demanded by many premium cashback cards.
NRIs are not in the eligibility pool for the standard variant of this card. Both new-to-Axis-Bank applicants and existing customers can apply.
| Criterion | Salaried | Self Employed |
|---|---|---|
| Minimum Age | 18 years | 18 years |
| Maximum Age | 70 years | 70 years |
| Minimum Monthly Income | ₹25,000 | ₹30,000 equivalent |
| Minimum Annual Income | ₹3 lakh | ₹3.5 lakh |
| CIBIL / CRIF Score | 720+ | 720+ |
| Residency | Indian Resident | Indian Resident |
View FAQ
Commonly Asked Questions
What is the minimum salary required for the Axis Flipkart Credit Card?
The minimum monthly salary required is ₹25,000, with an indicative annual income of ₹3 lakh for salaried applicants. Self-employed applicants need ITR-backed annual income of at least ₹3.5 lakh.
What is the minimum age for this card?
The minimum age is 18 years, which is one of the lowest in the Indian credit card market. The maximum age is 70 years for both salaried and self-employed applicants.
What CIBIL score do I need for the Axis Flipkart Credit Card?
A credit score of 720 or higher gives you a strong approval chance. Applicants with scores between 700 and 720 may still be approved with conservative credit limits, especially if income is well above the minimum bar.
Can self-employed people apply for this card?
Yes, self-employed individuals are eligible. The bank looks at your latest two years of ITR and bank statements to assess income stability. A net annual income of ₹3.5 lakh is the working benchmark for approval.
Can a college student get this card?
Students aged 18 and above with a regular income source (such as a part-time job earning at least ₹25,000 a month) can apply. Without an income source, students are not eligible directly but can take an add-on card on a parent's primary card.
Do I need to be a Flipkart Plus member to apply?
No, Flipkart Plus or any other Flipkart membership is not required to apply for the Axis Flipkart Credit Card. The card is open to anyone meeting the standard age, income, and credit score criteria.
Is there an add-on card option?
Yes, Axis Bank lets you issue add-on cards for immediate family members on the Axis Flipkart Credit Card. The add-on card shares the credit limit and earns cashback on the same rules as the primary card, but the welcome benefit is restricted to the primary cardholder.
What documents do I need for the application?
You need a PAN card, Aadhaar card, the latest 3 months of salary slips (or 2 years of ITR for self-employed), and 6 months of bank statements showing salary or business credits. Have soft copies ready before starting the application to keep the process smooth.
All Card Benefits
- 7.5% cashback on Myntra spends capped at ₹4,000 per statement quarter
- 5% cashback on Flipkart & Cleartrip capped at ₹4,000 per statement quarter per merchant
- Unlimited 4% cashback on preferred merchants
- Unlimited 1% cashback on other eligible spends
The Axis Flipkart Credit Card delivers value across four clear pillars: a strong welcome bundle, tiered...
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The Axis Flipkart Credit Card delivers value across four clear pillars: a strong welcome bundle, tiered...
The Axis Flipkart Credit Card delivers value across four clear pillars: a strong welcome bundle, tiered cashback on online merchants, dining and travel offers, and a fuel surcharge waiver. Below is a breakdown of each so you can match the perks against your own spending pattern.
Welcome Benefits
The welcome bundle on the Axis Flipkart Credit Card is straightforward and designed to recover the joining fee fast. You get a ₹250 Flipkart voucher on your first card transaction made within 30 days of issuance. The voucher is delivered to your registered email and can be used on the Flipkart app or website during checkout.
On top of that, new Swiggy users get 50% off (up to ₹100) on their first Swiggy order with the activation code, and a few additional activation perks bring the total welcome benefit value to roughly ₹350. So out of the ₹590 you pay as joining fee plus GST, you immediately recover ₹350 in welcome benefits, bringing your effective year-one cost down to around ₹240 before any cashback.
Cashback Structure
The Axis Flipkart Credit Card uses a four-tier cashback structure that rewards heavy spenders on a select list of online merchants while still giving baseline cashback on everything else. Here is the breakdown:
7.5% cashback on Myntra purchases, capped at ₹4,000 per statement quarter. This is the highest cashback tier on the card.
5% cashback on Flipkart and Cleartrip, capped at ₹4,000 per statement quarter per merchant. So Flipkart and Cleartrip each get their own ₹4,000 quarterly cap, not a combined cap.
4% cashback on a curated list of preferred merchants (unlimited and uncapped). The exact list is updated by Axis Bank periodically, but historically includes brands like Cleartrip (alongside its 5% direct allocation), Uber, Swiggy, and PVR.
1% cashback on all other eligible spends, with no cap.
To put the math in real numbers: a Myntra spend of ₹10,000 in a quarter earns ₹750 in cashback. A Flipkart spend of ₹50,000 in a quarter returns the full ₹2,500 in cashback (within the ₹4,000 cap). A general grocery and dining spend of ₹25,000 a month returns ₹250 in baseline 1% cashback. Together, an active online shopper spending ₹35,000 a month with even allocation across Flipkart, Myntra, and other categories can pull in ₹15,000 to ₹20,000 in annual cashback.
Excluded categories that earn zero cashback: utility and telecom, education spends, rent, wallet loads, government-related transactions, insurance payments, jewellery purchases, fuel spends, financial institutions, and cash advances. So pay your electricity bill through UPI, not through this card.
Travel Benefits
The Axis Flipkart Credit Card adds value to travel bookings through MakeMyTrip discounts. You get up to 15% discount on flights and hotels via MakeMyTrip when you pay with the card, plus an additional offer of 15% off (up to ₹500) on eligible travel bookings. The exact terms are set by Axis Bank's monthly travel campaigns, so the discount cap can vary by booking month.
Practical example: a ₹20,000 domestic flight booking through MakeMyTrip can attract up to ₹500 in instant discount with this card, dropping your effective ticket price to ₹19,500. Stack the 1% baseline cashback on the discounted amount and you save another ₹195. Two such bookings a year cover the annual fee comfortably.
Note that this card does not offer airport lounge access. If domestic or international lounge benefits matter to you, look at Axis Magnus, Axis Atlas, or premium HDFC and SBI travel cards instead.
Dining Benefits
The card delivers a layered dining offer that suits both dine-in and food delivery. Three benefits stack up here:
50% off (up to ₹100) on Swiggy for first-time users with the welcome activation code.
10% off on Swiggy orders every Wednesday, applicable to first-time and existing Swiggy users alike.
15% off (up to ₹500 per visit) at over 4,000 partner restaurants under the Axis Bank Dining Delights programme.
Practical example: order Swiggy every Wednesday with an average ₹500 cart and you save ₹50 a week, or roughly ₹2,600 a year. Dine out twice a month at a Dining Delights partner restaurant with bills averaging ₹2,500 and you save another ₹6,000 to ₹12,000 annually. The dining stack alone can return ₹8,000 to ₹15,000 in savings if you eat out and order in regularly.
Fuel Surcharge Waiver
The Axis Flipkart Credit Card offers a 1% fuel surcharge waiver on all fuel transactions in India, valid on transactions between ₹400 and ₹4,000. The maximum benefit is capped at ₹400 per statement cycle.
If you spend ₹3,000 a month on fuel, the 1% surcharge of ₹30 is waived, saving you ₹360 over a year. Note that fuel transactions do not earn cashback on this card, so if your monthly fuel spend is heavy, use a dedicated fuel co-branded card alongside this one.
View FAQ
Commonly Asked Questions
How do I claim the ₹250 Flipkart welcome voucher?
The ₹250 Flipkart voucher is sent to your registered email and SMS within 7 to 30 days of your first card transaction. The voucher is applied at checkout on the Flipkart app or website by entering the code in the gift voucher section.
Is there a minimum transaction amount for the welcome benefit?
The welcome benefit is triggered by any transaction within 30 days of card issuance, so even a ₹100 Swiggy order or Amazon purchase qualifies. There is no minimum spend requirement.
Can I get the welcome benefit on the lifetime free variant?
The ₹250 Flipkart voucher applies only on the paid version of the Axis Flipkart Credit Card with the ₹500 joining fee. Lifetime free variants distributed through specific channels do not carry this welcome voucher.
What if I miss the 30-day window?
The welcome benefit is strictly tied to the 30-day window from card issuance. Missing it means the offer lapses with no retroactive option. Make a small Flipkart or Swiggy transaction in the first week of receiving the card to lock in the benefit.
What is the maximum cashback I can earn in a quarter?
Theoretically, you can earn up to ₹4,000 from Myntra plus ₹4,000 from Flipkart plus ₹4,000 from Cleartrip in a single statement quarter, which adds up to ₹12,000 quarterly cap on the merchant-specific tiers. Add unlimited 4% on preferred merchants and 1% on everything else, and very heavy spenders can push annual cashback past ₹50,000.
Is the 4% cashback on preferred merchants capped?
No, the 4% cashback on preferred merchants is unlimited, with no monthly or quarterly cap. So a heavy Swiggy or Uber user can compound cashback steadily without hitting any ceiling.
How is cashback credited to my account?
The cashback is auto-credited to your monthly statement, so it appears as a direct credit on your next bill. There is no need to redeem points or vouchers manually, and the cashback never expires since it lands directly on your statement.
Do excluded category spends count towards the annual fee waiver?
No, transactions in excluded categories (rent, utilities, fuel, insurance, education, jewellery, wallet loads, government payments) do not count towards the ₹3.5 lakh annual fee waiver target. Plan eligible spends across shopping, dining, and travel to clear the threshold.
What happens if I shop on Flipkart but on a preferred merchant promotion?
Flipkart spends always earn the 5% category-specific cashback, not the 4% preferred merchants rate, regardless of the offer applied at checkout. The card system identifies the merchant first and applies the highest applicable cashback rate.
Is there a minimum transaction amount to earn cashback?
There is no minimum transaction amount. Even a ₹50 Flipkart order earns the relevant cashback (in this case, ₹2.50 at 5%). The cashback simply gets pooled into your statement total at the end of the cycle.
How long does cashback take to credit to my account?
Cashback is credited within 90 days of the qualifying transaction, but in most cases it shows up on the very next monthly statement. So a Flipkart purchase made in the first week of June will reflect as a cashback line on your June statement generated in early July.
Can cashback be reversed if I return a purchase?
Yes, if you return a Flipkart or Myntra purchase that earned cashback, the cashback is reversed proportionally on your statement. So a ₹500 cashback earned on a ₹10,000 Flipkart order would be reversed if the order is fully returned and refunded to the card.
How does the MakeMyTrip travel discount work?
You book a flight or hotel on MakeMyTrip and pay using the Axis Flipkart Credit Card to get up to 15% instant discount. The discount caps and minimum spend requirements vary by current campaign, so check the offer page on MakeMyTrip before confirming.
Is airport lounge access included on this card?
No, the Axis Flipkart Credit Card does not offer complimentary airport lounge access (domestic or international). The card focuses purely on cashback value and lifestyle offers, not travel privileges.
Do I earn cashback on travel bookings?
Yes, Cleartrip bookings earn 5% cashback (capped at ₹4,000 per quarter) and MakeMyTrip flight or hotel bookings earn the standard 1% baseline cashback on top of the discount. So travel through Cleartrip directly is the most rewarding way to use this card.
Are forex charges high on this card?
Yes, the forex markup is 3.50% on all non-INR transactions, which is the standard rate for entry-level Indian credit cards. So this is not the right card for international use, where every overseas transaction quietly inflates by 3.5% to 4% after GST.
How does the Wednesday Swiggy offer work?
Place a Swiggy order on any Wednesday and pay using the Axis Flipkart Credit Card to get 10% off automatically applied at checkout. The offer is capped per order as per the active Swiggy campaign terms, often around ₹100 to ₹150 per order.
Can I combine the Dining Delights offer with restaurant promotions?
The Axis Bank Dining Delights 15% discount is applied on top of the gross bill amount, not stacked with restaurant-side coupons or aggregator discounts. Some restaurants may have their own restrictions, so confirm at the time of payment.
Is the Swiggy offer applicable to Instamart and Genie?
The Wednesday 10% off is applicable on Swiggy food delivery orders. Instamart, Genie, and Dineout transactions follow different campaign terms, so check the offer details on the Swiggy app before placing the order.
Do I earn cashback on Swiggy orders?
Swiggy is on the preferred merchants list, so you earn 4% cashback on Swiggy spends through this card. Combined with the Wednesday 10% off, your effective return on a ₹500 Wednesday Swiggy order is roughly ₹70 (₹50 discount plus ₹20 cashback).
Do I earn cashback on fuel transactions?
No, fuel spends are in the excluded categories list for cashback on this card. You only get the 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with the waiver capped at ₹400 per statement cycle.
Does the fuel waiver work at all petrol pumps?
Yes, the 1% fuel surcharge waiver applies across all petrol pumps in India regardless of brand, as long as the transaction is between ₹400 and ₹4,000. So it works at HPCL, IOCL, BPCL, Reliance, and Shell pumps.
What is the maximum fuel waiver per month?
The fuel surcharge waiver is capped at ₹400 per statement cycle. That means the benefit kicks in until your monthly fuel spending hits roughly ₹40,000, after which the waiver caps out and the surcharge starts applying.
Is there a benefit on diesel transactions?
The fuel surcharge waiver applies to both petrol and diesel transactions equally, since the eligibility is based on transaction value (₹400 to ₹4,000) and not fuel type. So a ₹3,000 diesel fill earns the same waiver as a petrol fill.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card; the cashback value is adjusted in your monthly statement.
To check redemption catalogue
N/A
Cashback on the Axis Flipkart Credit Card is automatically credited to your monthly statement, so there...
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Cashback on the Axis Flipkart Credit Card is automatically credited to your monthly statement, so there...
Cashback on the Axis Flipkart Credit Card is automatically credited to your monthly statement, so there is no manual redemption required for the cashback portion of your earnings. This is one of the strongest design choices on the card, since it removes the friction that plagues most rewards cards.
Step 1: Earn cashback on eligible transactions during the statement cycle. Step 2: Cashback is calculated at the merchant-tier rate (7.5% Myntra, 5% Flipkart and Cleartrip, 4% preferred merchants, 1% other). Step 3: The cashback amount is auto-credited to your next statement as a direct credit line. Step 4: Your final billed amount is reduced by the cashback value.
Practical example: if your June statement shows total spends of ₹40,000 with ₹2,500 in earned cashback, your final statement amount is ₹37,500. There is no separate process to claim the cashback, no points portal to log into, and no expiry to track.
Note that Axis Bank charges a reward redemption handling fee of ₹99 plus GST per redemption request for cardholders who choose to convert any earned EDGE rewards to other formats (such as gift vouchers or merchandise). For the cashback flow on this card, the auto-credit to statement is free.
To put redemption value in real numbers: an active cardholder spending ₹35,000 a month with even allocation across Flipkart, Myntra, Swiggy, and general categories pulls in roughly ₹15,000 to ₹20,000 in annual cashback. All of it lands directly on your statements through the year, with zero hassle.
View FAQ
Commonly Asked Questions
How do I redeem cashback on the Axis Flipkart Credit Card?
You do not need to redeem cashback manually. The cashback earned on every eligible transaction is automatically credited to your next monthly statement as a direct credit, reducing your billed amount.
Is there a minimum cashback threshold for crediting?
No, there is no minimum cashback threshold. Even a ₹2 cashback earned on a ₹200 transaction is added to your statement credit pool and credited at the end of the cycle.
How long does cashback take to reflect on my statement?
Cashback is credited within 90 days of the qualifying transaction, but in most cases it shows up on the very next monthly statement. So a Flipkart purchase made in early June will reflect as a cashback entry on your June statement.
Is there a fee for cashback redemption?
The auto-credit of cashback to your statement is free. Axis Bank charges a ₹99 plus GST handling fee only on EDGE reward redemption requests for non-cashback formats (gift vouchers, merchandise, or partner conversions).
Does cashback expire?
No, since the cashback is credited as direct statement credit and not as reward points, there is no expiry to worry about. Once it lands on your statement, the value is locked in as a reduction in your bill.
Can cashback be transferred to my bank account?
Cashback cannot be directly transferred to your bank account, but it reduces your statement amount, which has the same effect. So a ₹2,500 cashback earned in June effectively returns ₹2,500 to your wallet by lowering the June bill.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Utility & Telecom
Education Spends
Rent
Wallet Loads
Government-related Transactions
Insurance Payments
Jewellery Purchases
Fuel Spends
Financial Institutions
Cash Advances
For Spends Waiver
Utility & Telecom
Education Spends
Rent
Wallet Loads
Government-related Transactions
Insurance Payments
Jewellery Purchases
Fuel Spends
Financial Institutions
Cash Advances
While the Axis Flipkart Credit Card delivers strong cashback on most online retail spends, several cate...
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While the Axis Flipkart Credit Card delivers strong cashback on most online retail spends, several cate...
While the Axis Flipkart Credit Card delivers strong cashback on most online retail spends, several categories are excluded from the cashback programme. Understanding these upfront avoids the disappointment of zero cashback on what feels like a normal swipe.
The excluded categories on the Axis Flipkart Credit Card are: utility and telecom, education spends, rent, wallet loads, government-related transactions, insurance payments, jewellery purchases, fuel spends, financial institutions, and cash advances.
Real-world impact: if your monthly spending is ₹40,000 and ₹15,000 of it goes to rent, utilities, and insurance, you lose out on ₹150 in baseline 1% cashback every month, or ₹1,800 a year. Over and above that, those spends do not count towards the ₹3.5 lakh annual fee waiver target either.
What happens when a transaction falls under an excluded category? The transaction is processed normally, you get charged the regular billing amount, and you simply do not earn any cashback. Some categories also attract additional convenience fees on most credit cards (rent payment, wallet loads), which is another reason to route them through UPI or direct net banking instead.
The merchant-specific cashback caps are also worth knowing. Myntra cashback is capped at ₹4,000 per statement quarter (so ₹16,000 annually). Flipkart and Cleartrip each have a separate ₹4,000 quarterly cap. Once you hit the cap on any of these, additional spends earn the baseline 1% cashback only, not the higher tier rate. So if you have already spent ₹53,500 on Myntra in a quarter (which earns the full ₹4,000 capped cashback), additional Myntra spends in that quarter earn just 1%.
View FAQ
Commonly Asked Questions
Do I earn cashback on rent payments?
No, rent payments are excluded from the cashback programme on the Axis Flipkart Credit Card. Plus, this card charges 1% rent payment convenience fee on rent transactions, so you lose money on rent paid through this card.
Are utility bills eligible for cashback?
No, utility and telecom bills (electricity, water, broadband, mobile postpaid) are excluded from cashback on this card. Use UPI or direct auto-debit for utility bills since you save on convenience fees and do not lose any cashback value.
What happens after I hit the Myntra cashback cap?
Once you hit the ₹4,000 Myntra cashback cap in a statement quarter (which corresponds to roughly ₹53,500 in Myntra spend at 7.5%), additional Myntra spends in that quarter earn only the baseline 1% cashback. The cap resets at the start of the next statement quarter.
Are insurance payments excluded from cashback?
Yes, insurance premium payments are excluded from cashback on this card. Bank-side merchant categorization codes for insurance carry low interchange rates, which is why most credit cards exclude this category.
Do EMI conversions earn cashback?
No, when you convert a transaction to EMI, the cashback portion is reversed. The original purchase may have shown cashback at the time of the swipe, but the bank reverses it once the EMI is processed.
Are wallet loads excluded?
Yes, loading money into Paytm, PhonePe, MobiKwik, or Amazon Pay does not earn cashback on this card. The rationale is to prevent cashback farming through wallet recycling, which is a standard exclusion across cashback cards in India.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.6% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.2% | 3.60% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | ₹0 |
Cash Payment Fees | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001- and above | ₹1200 |
The Axis Flipkart Credit Card sits in the standard fee bracket for Indian co-branded cashback cards in ...
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The Axis Flipkart Credit Card sits in the standard fee bracket for Indian co-branded cashback cards in ...
The Axis Flipkart Credit Card sits in the standard fee bracket for Indian co-branded cashback cards in 2026. None of the fees are unusual for the segment, but a few are slightly higher than peers (notably the 3.75% APR and the ₹99 reward redemption fee). Here is a fee-by-fee breakdown with practical rupee examples so you know what to expect on your statement.
Joining Fee: The joining fee is ₹500 plus 18% GST (₹590 total), debited on the first statement after card issuance. The fee is partly offset by the ₹250 Flipkart welcome voucher on the first transaction within 30 days, bringing the effective joining cost to roughly ₹340 inclusive of the Swiggy welcome offer.
Annual or Renewal Fee: The annual fee is ₹500 plus 18% GST (₹590 total), billed on your first card anniversary. The fee is fully waived if you spend ₹3.5 lakh or more in the previous card year. Practical example: spending ₹29,200 a month consistently on Flipkart, Myntra, dining, and shopping crosses the ₹3.5 lakh threshold and triggers an automatic fee reversal in your renewal statement.
APR or Interest Rate: The APR is 3.75% per month (about 45% annualised) on rolled-over balances. Credit cards offer an interest-free period of 20 to 55 days, but missing your due date triggers interest from the original transaction date. Practical example: carrying an unpaid balance of ₹10,000 for one month accrues roughly ₹375 in interest. To avoid heavy interest, convert large purchases to EMIs (where standard rates are around 16% per annum) instead of paying just the minimum due. Failing to pay even the EMI on time can push the effective annual interest closer to 45%.
Late Payment Charges: Late payment fees follow a slab-based structure. ₹0 for outstanding up to ₹500, ₹400 for ₹501 to ₹1,000, ₹750 for ₹1,001 to ₹10,000, ₹950 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 for outstanding above ₹50,000. Practical example: missing the minimum due on an outstanding of ₹3,000 attracts a ₹750 late fee. Missing the minimum amount due for two consecutive cycles also adds an extra ₹100 charge every cycle until the dues are cleared.
Foreign Transaction or Forex Markup Fee: The forex markup is 3.50% on every transaction made in a non-INR currency. This applies to both international POS swipes and online purchases billed in foreign currency. Practical example: a USD 100 hotel deposit abroad (roughly ₹8,300 at current INR rates) attracts a forex markup of ₹290.50, plus 18% GST on the markup, bringing the effective additional cost to ₹343 on a ₹8,300 transaction. So international swipes inflate your bill by 4% to 4.2% after taxes.
ATM Cash Withdrawal Fee: ATM cash withdrawal on the credit card attracts a fee of 2.50% of the withdrawn amount, with a minimum charge of ₹500 where applicable. On top of this, interest at 3.75% per month starts accruing from the day of withdrawal, with no interest-free grace period. Practical example: withdrawing ₹10,000 in cash on the credit card costs ₹500 in cash advance fee upfront plus ₹375 in monthly interest, so even one month of unpaid balance costs ₹875 on a ₹10,000 withdrawal. Avoid cash withdrawals on credit cards unless absolutely necessary.
Rent Payment Convenience Fee: The Axis Flipkart Credit Card charges a 1% convenience fee on rent payment transactions, plus applicable GST and platform-side charges. Practical example: paying ₹30,000 in rent through this card costs ₹300 in convenience fee plus ₹54 GST, totalling ₹354 in extra charges. Combined with the fact that rent payments earn zero cashback on this card, paying rent through it is not worthwhile. Use UPI or direct net banking instead.
Railway Surcharge: Railway booking transactions attract a 1% surcharge as charged by Indian Railways. So a ₹2,000 train ticket booking adds ₹20 in railway surcharge. Cancellation fees follow standard IRCTC rules.
Cash Payment Fee: Paying your credit card bill in cash at an Axis Bank branch costs ₹250 plus GST per transaction, totalling ₹295. Practical example: a ₹25,000 bill paid in cash adds ₹295 to your cost. Always use UPI, NEFT, or auto-debit to avoid this charge.
Cheque Payment Fee: Bill payment by cheque attracts a fee of ₹200 plus GST per transaction (₹236 total). Cheque payments also take 2 to 3 working days to clear, so if your due date is close, the late payment risk is high.
Reward Redemption Fee: A reward redemption handling fee of ₹99 plus GST is charged per redemption request. This applies to non-cashback redemptions like converting any earned EDGE rewards to gift vouchers, merchandise, or partner conversions. The cashback flow on this card (auto-credited to statement) is free of redemption fees.
Below is a consolidated summary of all fees on the Axis Flipkart Credit Card. Amounts are exclusive of GST unless explicitly stated.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 (offset by ₹250 Flipkart voucher) |
| Annual Fee | ₹500 (waived on ₹3.5 lakh annual spend) |
| APR (Monthly Interest) | 3.75% per month |
| Late Payment Fee | ₹0 to ₹1,300 (slab based) |
| Forex Markup | 3.50% |
| ATM Cash Withdrawal Fee | 2.50% of withdrawn amount (min ₹500) |
| Rent Payment Convenience Fee | 1% of transaction amount |
| Railway Surcharge | 1% |
| Cash Payment Fee | ₹250 plus taxes |
| Cheque Payment Fee | ₹200 plus taxes |
| Reward Redemption Fee | ₹99 per redemption (plus GST) |
View FAQ
Commonly Asked Questions
What is the interest rate on the Axis Flipkart Credit Card?
The monthly interest rate is 3.75%, working out to approximately 45% annualised on rolled-over balances. This is slightly higher than the 3.50% on most other Axis Bank cards, so pay your bill in full every month to avoid this charge.
How much is the late payment charge?
Late payment fees range from ₹0 (for outstanding up to ₹500) to ₹1,300 (for outstanding above ₹50,000), based on slab. Missing the minimum due for two consecutive cycles also adds an extra ₹100 per cycle until cleared.
What is the forex markup on this card?
The forex markup is 3.50% on all non-INR transactions, plus 18% GST on the markup itself. So a ₹10,000 international purchase attracts ₹350 in markup plus ₹63 in GST. This card is not ideal as a primary travel card for overseas use.
Is there a rent payment fee on this card?
Yes, rent payment transactions attract a 1% convenience fee plus GST on this card. So a ₹30,000 rent payment costs you ₹354 in fees, on top of the fact that rent earns zero cashback. Pay rent through UPI or auto-debit instead.
Is there a fee for ATM withdrawals?
Yes, ATM withdrawals on this credit card attract a 2.50% cash advance fee (minimum ₹500), plus 3.75% monthly interest from the day of withdrawal. Cash withdrawal on credit cards is one of the most expensive financial moves and should be avoided.
Are there charges for paying my bill in cash or cheque?
Yes, paying your bill in cash at an Axis Bank branch costs ₹250 plus taxes per transaction, and cheque payments cost ₹200 plus taxes. Use UPI, NEFT, RTGS, or auto-debit instead since they are free and instant.
Why is there a ₹99 reward redemption fee on a cashback card?
The ₹99 fee applies only to non-cashback redemption requests like converting any EDGE reward points to gift vouchers, merchandise, or partner programmes. The primary cashback on this card is auto-credited to your statement at no cost.
Are there any over-limit charges?
Yes, transactions that exceed your assigned credit limit attract over-limit fees. Axis Bank charges 2.5% of the over-limit amount, subject to a minimum charge of ₹500. Track your available limit on the Axis Mobile app to avoid this.
What happens if I pay only the minimum amount due?
Paying only the minimum amount due (5% of the outstanding) avoids the late payment fee, but interest at 3.75% per month starts accruing on your remaining balance from the original transaction date. So minimum payment is a short-term fix, not a long-term plan.
Can I get an EMI conversion on big-ticket purchases?
Yes, Axis Bank offers EMI conversion on transactions of ₹2,500 and above, with tenures from 3 to 24 months. EMI interest rates start at around 16% per annum, significantly cheaper than the 45% APR on rolled-over balances.
Is GST charged on credit card fees?
Yes, 18% GST is charged on all credit card fees and charges, including the joining fee, annual fee, late payment fee, forex markup, and cash advance fee. Factor this into your math when calculating the actual cost of any fee on your statement.
What is the minimum amount due each month?
The minimum amount due is set at 5% of the outstanding balance, subject to a minimum of ₹100 plus any unpaid amount from previous cycles, EMI dues, and over-limit charges. Pay the full statement amount whenever possible to avoid interest costs.
Documents Required
Axis Bank requires a standard set of KYC and income proof documents during the Axis Flipkart Credit Card application. Keep digital copies ready before you start the application to make the process smooth.
Required documents for salaried applicants: PAN card, Aadhaar card, latest 3 months of salary slips, latest 6 months of bank statements showing salary credits, and a passport-size photograph. Fresh hires can substitute their appointment letter for missing salary slips.
Required documents for self-employed applicants: PAN card, Aadhaar card, latest 2 years of ITR, latest 6 months of business bank statements, GST registration certificate (where applicable), and proof of business existence (like a partnership deed, Udyam certificate, or business registration document).
NRIs are not eligible for the standard Axis Flipkart Credit Card. Address proof can be the Aadhaar card itself, or alternative documents like a passport, voter ID, driving licence, or a recent utility bill (not older than 3 months).
View FAQ
Commonly Asked Questions
Is a PAN card mandatory for the Axis Flipkart Credit Card?
Yes, PAN card is mandatory for all Indian credit card applications since it is needed for KYC, credit bureau pulls, and tax reporting. Applications without PAN are not processed.
Can I apply without a salary slip?
Salaried applicants need to submit salary slips. If you do not have salary slips (for example, as a fresh hire), submit your appointment letter and recent bank statements showing salary credits as alternatives.
Do I need to submit a photograph during the application?
For online applications with Video KYC, the system captures your photograph during the KYC video call, so a separate photograph upload is not needed. Offline applications at branches require one passport-size photograph.
What address proof is accepted?
Aadhaar card is the most widely accepted address proof. Other accepted documents include passport, voter ID, driving licence, utility bills not older than 3 months, and registered rent agreements.
Can I use a digital Aadhaar for application?
Yes, Axis Bank accepts digitally signed Aadhaar (e-Aadhaar) downloads from the UIDAI portal. The bank verifies the QR code on the digital Aadhaar during KYC, so no physical copy is needed.
How long are the bank statement requirements?
Axis Bank requires the latest 6 months of bank statements for salaried applicants, showing regular salary credits. Self-employed applicants need 6 months of business bank statements plus 2 years of ITR.
Credit Limit and What to Expect
Axis Bank sets the credit limit on the Axis Flipkart Credit Card individually for each applicant, based on your income, credit bureau profile, existing obligations, and overall banking relationship. There is no fixed published number.
For a salaried applicant earning ₹25,000 to ₹40,000 a month, the starting credit limit sits between ₹40,000 and ₹1,20,000. Higher income brackets (₹50,000 plus monthly) often see opening limits between ₹1.5 lakh and ₹3 lakh. Self-employed applicants with strong ITR-backed income and good CIBIL scores fall into similar ranges.
Axis Bank reviews card usage every 6 to 12 months and offers limit enhancements if the card has been used consistently with timely payments. Limit enhancement is also offered on request with supporting income proof (a recent salary hike or revised ITR).
View FAQ
Commonly Asked Questions
What is the starting credit limit on the Axis Flipkart Credit Card?
For a salaried applicant earning ₹25,000 to ₹40,000 a month, the typical opening credit limit ranges from ₹40,000 to ₹1.2 lakh. Limits scale upwards based on your declared income, CIBIL score, and existing relationship with Axis Bank.
How can I increase my credit limit?
You can request a limit enhancement after 6 to 12 months of consistent card usage and timely payments. Submit your latest 3 months of salary slips or revised ITR through the Axis Mobile app or net banking.
Will using the full credit limit hurt my credit score?
Using more than 30% of your credit limit consistently can lower your CIBIL score, even if you pay the bill in full. So if your limit is ₹1 lakh, try to keep your monthly statement balance under ₹30,000 to maintain a healthy credit utilisation ratio.
Can I get a temporary credit limit increase?
Yes, Axis Bank offers temporary credit limit increases for short-term, large-ticket spends like booking a vacation or buying electronics. Request this through customer care or the app, valid for 30 to 90 days.
What is the cash withdrawal limit on this card?
The cash withdrawal limit is set at 20% to 40% of your total credit limit. So a ₹1 lakh credit limit allows you to withdraw between ₹20,000 and ₹40,000 in cash, although ATM withdrawals carry a 2.50% fee plus 3.75% monthly interest, making cash withdrawals expensive.
How often does Axis Bank review credit limits?
Axis Bank conducts a portfolio review every 6 to 12 months and offers automatic limit enhancements to qualifying cardholders. You can also request a manual review with updated income proof at any time after 6 months of card activity.
How to Apply?
The application process for the Axis Flipkart Credit Card is largely digital and most salaried applicants get a decision within 24 to 72 hours. Physical card delivery takes 5 to 10 working days from the approval date.
The fastest route is online. Visit the Axis Bank credit card website or open the Flipkart app under "Cards" section, select Axis Flipkart Credit Card, and click Apply Now. Fill in your details (name, mobile, PAN, date of birth, employment type, monthly income, current city), upload soft copies of your KYC documents, and complete a Video KYC if you are not already an Axis Bank customer.
The offline route involves visiting an Axis Bank branch with physical document copies. Most applicants do not need this step, but it remains an option for existing Axis Bank customers who prefer in-branch service.
Once submitted, Axis Bank runs a credit bureau pull, verifies your KYC, and either issues a digital approval or asks for additional documents. After approval, the physical card is shipped to your registered address along with the welcome kit and a separate PIN mailer.
Track your application status online using the Axis Bank credit card status portal with your application reference number, registered mobile number, and date of birth.
View FAQ
Commonly Asked Questions
How do I apply for the Axis Flipkart Credit Card online?
Go to the Axis Bank website or the Flipkart app, select Axis Flipkart Credit Card, click Apply Now, fill the form with your details, upload your KYC documents, and complete Video KYC. The whole process takes 15 to 20 minutes if your documents are ready.
How long does it take to get the card after applying?
Approval is granted within 24 to 72 hours of a complete application. The physical card is delivered within 5 to 10 working days from approval, and the PIN arrives separately within another 3 to 5 working days.
Is Video KYC mandatory?
Video KYC is required for new-to-bank customers. Existing Axis Bank account holders with completed KYC can skip Video KYC since the bank uses their existing records.
Can I track my application status online?
Yes, Axis Bank provides an online application tracker on its credit card website. Enter your application reference number along with your registered mobile and date of birth to view real-time status updates.
What happens if my application is rejected?
If your application is declined, Axis Bank notifies you by SMS or email. Common reasons include a low CIBIL score, recent missed payments on existing loans, or insufficient income proof. You can reapply after 90 days once the underlying issue is resolved.
Will applying for this card affect my credit score?
The bank does a hard pull on your credit bureau report during application, which can dip your CIBIL score by 5 to 10 points temporarily. Once the card is active and you make timely payments for 3 to 6 months, your score recovers and benefits from the additional credit line.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1400 Rewards
Top Benefits
Shopping Get 7.5% Cashback on Myntra
spends capped at ₹4,000 per statement quarter
Get 5% Cashback on Flipkart
spends capped at ₹4,000 per statement quarter
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