Flipkart Axis Bank Credit Card
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Community Consensus
Consensus Note: Flipkart Axis Bank Credit Card issued by Axis Bank remains a flagship choice for Flipkart and Myntra online shopping with auto-credited cashback. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Flipkart Axis Bank Credit Card issued by Axis Bank offers competitive value for Flipkart and Myntra online shopping with auto-credited cashback. Audit your monthly spending against its ₹500 + GST (Waived on ₹3,50,000 annual spend) fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹500 + GST (Waived on ₹3,50,000 annual spend)
- ⚡ Lounge access policy: No lounge access
- ⚡ Reward rate: 7.5% on Myntra; 5% on Flipkart & Cleartrip; 4% on Preferred Merchants; 1% on others
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Deep-Dive Review: Flipkart Axis Bank Credit Card
Community Verdict
[!NOTE] Built for Flipkart & Myntra shoppers. The Flipkart Axis Bank Credit Card awards 7.5% cashback on Myntra (capped ₹4,000/statement quarter), 5% on Flipkart and Cleartrip (capped ₹4,000/quarter per merchant), unlimited 4% cashback on Preferred Merchants, and 1% unlimited cashback on all other eligible categories. All cashback auto-credits directly to the next billing statement with no manual redemption. Annual fee of ₹500 + GST is waived on ₹3,50,000 annual spends (excludes rent MCC 6513 and wallet-load MCC 6540). Multi-cobranded arrangement with Flipkart, Myntra, and Cleartrip. Welcome benefits include ₹250 Flipkart voucher (paid cards only) + 50% off up to ₹100 Swiggy + ₹1,500 Cleartrip voucher on ₹30K spends within 30 days (limited period).
Pros
- 7.5% Unlimited Myntra Cashback: Quarterly cap of ₹4,000 — translates to ~₹53K monthly Myntra spend before hitting the ceiling.
- 5% Flipkart & Cleartrip Cashback: Quarterly cap of ₹4,000 per merchant — both platforms covered.
- 4% Unlimited Preferred Merchants: Includes Swiggy, PVR, Cult.fit, Tata 1mg, and other brands per the Axis PDF list.
- 1.5% Flat Unlimited Base Cashback: On other eligible categories (the official page says 1%, value charts cite 1.5% — check live terms).
- Auto-Credit Cashback: Direct statement credit every billing cycle — zero redemption friction.
- Spend-Based Fee Waiver: ₹500 annual fee waived on ₹3,50,000 annual spend.
- ₹350 Welcome Benefits: ₹250 Flipkart voucher (paid cards only) + 50% off up to ₹100 Swiggy.
- Cleartrip Welcome Voucher (Limited Period): ₹1,500 Cleartrip voucher on ₹30K spends within 30 days.
- 1% Fuel Surcharge Waiver: On fuel transactions ₹400–₹4,000 (capped ₹400/cycle).
- Dining Delights: Discounts at partner restaurants via Axis Bank Dining Program.
Cons
- No Lounge Access: Domestic and international lounge benefits both absent.
- Quarterly Cashback Caps: Myntra ₹4K/quarter + Flipkart & Cleartrip ₹4K/quarter per merchant — high spenders hit ceilings quickly.
- Limited Welcome Voucher Eligibility: ₹250 Flipkart voucher NOT applicable to first-year free cards — only paid cards qualify.
- Multiple Exclusions: No cashback on fuel, rent, wallet loads, utilities, insurance premiums, government payments, EMI conversions, or gold purchases.
- Annual Fee Waiver Threshold High: ₹3,50,000 excludes rent (MCC 6513) and wallet-load (MCC 6540) from counting.
- 1% Surcharges: Rent (per transaction), utilities >₹25K cumulative, education via 3rd party, fuel >₹50K cumulative, gaming >₹10K cumulative, wallet-load >₹10K cumulative.
- EMI Cashback Clawback Risk: Cancelled EMI purchases may require manual cancellation to avoid excess cashback reversal.
- High Forex Markup: 3.50% + 1.5% DCC — not for international use.
Reward Spends & Categories
| Category Spend | Earning Rate / Cap |
|---|---|
| 🛍️ Myntra | 7.5% cashback (capped ₹4,000 per statement quarter) |
| 🛍️ Flipkart | 5% cashback (capped ₹4,000 per statement quarter) |
| ✈️ Cleartrip | 5% cashback (capped ₹4,000 per statement quarter) |
| 🍔 Preferred Merchants (Swiggy, PVR, Cult.fit, Tata 1mg, etc.) | 4% cashback (unlimited) |
| 🛒 Other Eligible Categories (offline + other online) | 1% (or 1.5% per Axis value chart) cashback (unlimited) |
| 🥦 Groceries (eligible MCCs) | 1% flat cashback |
| 💡 Utilities | 0% (Excluded; 1% surcharge on cumulative ≥₹25K/cycle) |
| 🎓 Education (via 3rd party) | 0% (Excluded; 1% fee per transaction) |
| 🏛️ Government & NPS Payments | 0% (Excluded) |
| 🏠 Rent | 0% (Excluded; 1% surcharge per transaction; doesn’t count toward fee waiver) |
| ⛽ Fuel | 0% cashback (1% surcharge waiver ₹400–₹4,000, max ₹400/cycle) |
| 💳 Wallet Loads | 0% (Excluded; 1% surcharge ≥₹10K; doesn’t count toward fee waiver) |
| 🛡️ Insurance Payments | 0% (Excluded) |
[!WARNING] Cashback exclusions:
- Online cashback excludes fuel, rent, wallet loads, insurance, government, EMI, gold purchases, utilities, and education via third-party apps.
- Myntra cap is ₹4,000 per statement quarter per merchant — high monthly spend will not bypass the cap.
- Cashback auto-credits to next statement. No manual redemption.
- EMI conversions on Flipkart purchases require cancelled EMI registration with Phone Banking at 1800 103 5577 to avoid cashback reversal.
Annual Fee Waiver
| Spend Threshold | Period | Waiver |
|---|---|---|
| ₹3,50,000 | Anniversary year | ₹500 annual fee waived |
[!IMPORTANT] EXCLUDED from fee waiver calculation: Rent payments (MCC 6513) and wallet-load transactions (MCC 6540). All other spends count toward the threshold.
Welcome Benefits
| Benefit | Eligibility | Value |
|---|---|---|
| Flipkart voucher | First transaction within 30 days of issuance (paid cards only — NOT for first-year free cards) | ₹250 |
| Swiggy 50% off | First-time Swiggy users via code AXISFKNEW, max ₹100 | ₹100 |
| Cleartrip voucher (Limited Period) | Min ₹30K spends within 30 days of issuance | ₹1,500 |
[!NOTE] Cleartrip ₹1,500 voucher is a limited-period offer; the Flipkart ₹250 voucher excludes first-year-free cardholders.
Airport Lounge & Travel Perks
[!IMPORTANT]
- Domestic: No complimentary lounge access.
- International: No complimentary international lounge access.
Insurance Cover
| Cover | Amount |
|---|---|
| Fraud Liability Cover | ₹50,000 |
Additional Lifestyle Perks
- Dining Delights: Discounts at partner restaurants via Axis Dining Program.
- Wednesday Delight: Up to 15% off flights/hotels via MakeMyTrip, 10% off on Swiggy, 10% off up to ₹1,000 on Tira.
- EMI Conversion: On Flipkart purchases over ₹2,500 (subject to merchant terms).
Review Context
- Verification Tier: LIVE_VERIFIED — scraped from official Axis Bank website (3 July 2026).
- Best For: Heavy Myntra + Flipkart shoppers, Cleartrip flight/hotel bookers, value hunters wanting merchant-specific high cashback.
- Not For: Lounge users, international travellers, rent payers (rent excluded everywhere), fuel-heavy users.
[!TIP] Maximize value with this card:
- Run all Myntra fashion orders through this card — at 7.5% you get ~₹750 back on every ₹10K.
- Stack Flipkart Big Billion Days + Cleartrip flight bookings to extract 5% across categories.
- Track quarterly caps: ₹4K Myntra + ₹4K Flipkart + ₹4K Cleartrip per quarter ≈ ₹48K total annual merchant cashback ceiling.
- Use for offline 1% unlimited base earn when merchant-specific accelerators don’t apply.
Apply via Axis Bank → | For wider merchant coverage, consider pairing with Amazon Pay ICICI for Amazon/Prime Video spends.
For official terms, interest rates, and applications, refer to the Bank Reference Page.