Axis Bank
Flipkart Axis Bank Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate1% on most spends; 7.5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹3,50,000 spend a year
- Welcome benefit₹250 in vouchers, points or cashback on card activation
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹400 a month
This is a cashback card, so there are no points to track. You get 5% back on Flipkart and Cleartrip, 7.5% on Myntra, 4% on partners like Swiggy and Uber, and 1% on other eligible spends. The Flipkart and Cleartrip rate is capped at Rs 4,000 a quarter per merchant, and Myntra at Rs 4,000 a quarter.
It costs ₹500 a year plus GST, and you get a Rs 250 Flipkart voucher when you pay the joining fee. The fee is waived at ₹3,50,000 of yearly spend, but honestly, a few thousand rupees of Flipkart or Myntra shopping covers it anyway.
It suits regular online shoppers who already use Flipkart, Myntra and Swiggy. The catch: there is no lounge access and the forex fee is 3.5%.
Best for: Regular Flipkart and Myntra shoppers, Frequent Swiggy and Uber users, People who prefer cashback over points.
01Flipkart Axis Bank Credit Card Rewards and Benefits
02Flipkart Axis Bank Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹3,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹400 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹590
- In your pocket each year₹1,810
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Myntra: 7.5% back
- Online shopping only at Flipkart, Cleartrip: 5% back
- Spending ₹29,167 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹29,167 a month (₹3,50,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Myntra: the 7.5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- 5% cashback on Flipkart and Cleartrip, capped ₹4,000 a quarter each
- 7.5% cashback on Myntra, capped ₹4,000 a quarter
- 4% cashback on partners like Swiggy and Uber
- 1% cashback on other eligible spends
- ₹250 Flipkart voucher on paying the joining fee
- ₹500 fee waived at ₹3,50,000 yearly spend
05Pros and Cons
Pros
- Straight cashback, no points to redeem
- Strong rates on popular shopping apps
- Low fee that pays back quickly
Cons
- Quarterly caps on the high cashback rates
- No airport lounge access
- 3.5% forex fee on foreign spends
06How Flipkart Axis Bank Credit Card earns Rewards
1% on most spends; 7.5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 7.5% | No cap | Only at: MyntraTerms: 7.5% on Myntra, capped at ₹4,000 per statement quarter (₹16,000 a year) since the June 2025 revision, which raised Myntra from 1% and ended the unlimited 5% era on the other two partners. |
| Online shopping, only at listed merchants | 5% | No cap | Only at: Flipkart, CleartripTerms: 5% on Flipkart and Cleartrip, each capped at ₹4,000 per statement quarter (₹16,000 a year per merchant). Flipkart Health does not qualify. Surplus above the cap is written off each quarter and never pools across merchants. |
| Dining and food delivery | 1% | No cap | Anywhere else in the category |
| Dining and food delivery, only at listed merchants | 4% | No cap | Only at: Swiggy food deliveryTerms: 4% on Axis's unpublished "preferred merchants" list, which the bank can change at its discretion without notice. On Swiggy only food delivery qualifies, Instamart and Genie do not. |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% unlimited cashback on all other spends
07Flipkart Axis Bank Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, capped ₹400 per statement cycle. Fuel earns no cashback.
08Flipkart Axis Bank Credit Card Eligibility and Documents
- Age: 21 to 60 years
- Min. income: ₹15,000 a month
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 20 Jun 2025 | Reduced: Complimentary domestic lounge access withdrawnSource: Axis Bank | 4 complimentary domestic lounge visits a year | None |
| 20 Jun 2025 | Reduced: Unlimited 5% ends, ₹4,000/quarter caps added; Myntra raised to 7.5%Source: Axis Bank | Unlimited 5% on Flipkart & Cleartrip; 1% on Myntra | 5% Flipkart & 5% Cleartrip each capped ₹4,000/quarter; Myntra 7.5% capped ₹4,000/quarter |
See this card's change history → · All card changes in August 2026 →
10Cards Similar to Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Flipkart Axis Bank Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% on most spends; 7.5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Welcome benefit | ₹250 in vouchers, points or cashback on card activation | - | - |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Flipkart Axis Bank Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
How much cashback do I get on Flipkart?
5%, capped at ₹4,000 a quarter. Cleartrip has the same rate and its own cap.
Is the fee waived?
Yes, once you spend ₹3,50,000 in the year.
Does it give lounge access?
No, there are no lounge visits on this card.
What is the joining fee for the Flipkart Axis Bank Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Flipkart Axis Bank Credit Card?
The annual fee is ₹500 + GST.
What is the eligibility for the Flipkart Axis Bank Credit Card?
The bank looks for age: 21 to 60 years. Meeting these does not guarantee approval, since the final decision is the bank's.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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