Flipkart Axis Bank Credit Card – Benefits, Fees & Eligibility

Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is designed for online shoppers, offering significant cashback on platforms like Flipkart, Myntra, and Cleartrip. It also provides accelerated rewards on popular merchants such as Swiggy, Uber, cult.fit, and PVR. This entry-level card includes dining benefits through the Axis Bank Dining Delights program. Please note that the terms and conditions for this card will be updated effective 20th June, 2025.

Welcome Benefits

• Total Welcome/Activation Benefits: Rs. 350 worth of activation benefits are offered.
• Flipkart Voucher: Get Rs. 250 worth of Flipkart vouchers on your first transaction. This benefit is exclusively for paid cards (those with a Joining Fee and Annual Fee); first-year free cards are not eligible.
• Swiggy Offer: Receive a 50% instant discount up to Rs. 100 on your first Swiggy order. Use code "AXISFKNEW". This benefit is available for all cards (paid and first-year free) and is for first-time Swiggy users.

Fees

• Joining Fee: Rs. 500 + GST
• Annual Fee: Rs. 500 + GST (from the 2nd year onwards).
• Annual Fee Waiver: The annual fee is waived off on annual spends greater than Rs. 3,50,000. Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for inclusion in the spend calculation for annual fee waiver.
• Add-on Card Joining Fee: Nil
• Add-on Card Annual Fee: Nil
• Card Replacement Fee (w.e.f 10/10/20): Nil
• Cash Payment Fee: Rs. 175
• Duplicate Statement Fee: Waived
• Charge Slip Retrieval Fee or Copy Request Fee: Waived
• Outstation Cheque Fee: Waived
• Mobile Alerts for Transactions: Free
• Hotlisting Charges: Nil
• Balance Enquiry Charges: Waived
• Finance Charges (Retail Purchases and Cash): 3.75% per month (55.55% per annum)
• Cash Withdrawal Fees: 2.5% of the cash amount (Minimum Rs. 500)
• Overdue Penalty or Late Payment Fees:
  • Nil if Total Payment Due is less than Rs. 500.
  • Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000.
  • Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000.
  • Rs. 1200 if total payment due is greater than Rs. 10,000.
  • An additional INR 100 is applicable on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge continues for every payment cycle until the MAD is cleared.
• Over Limit Penalty: 2.5% of the over limit amount (Minimum Rs. 500)
• Cheque Return or Dishonor Fee or Auto-Debit Reversal: 2% of the payment amount, subject to a minimum of INR 500.
• Surcharge on Purchase or Cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways.
• Foreign Currency Transaction Fee: 3.5% of the transaction value.
• Reward Redemption Fee: No.
• Rent Transaction Fee (Applicable from 5th March 2023): A 1% fee per transaction will be applicable on rental transactions.
• Dynamic Currency Conversion Markup (Applicable from 5th March 2023): A 1.5% markup will be applicable on international transactions performed in Indian currency at international locations or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.
• Education Transaction Fee (Applicable from 20th Dec, 2024): A 1% fee per transaction will be applicable on education payments made via third-party apps.
• Utility Transaction Fee (Applicable from 20th Dec, 2024): A 1% fee will be applicable on cumulative spends of INR 25,000 or more on utilities per statement cycle.
• Wallet Load Transaction Fee (Applicable from 20th Dec, 2024): A 1% fee will be applicable on cumulative spends of INR 10,000 or more on wallet loads per statement cycle.
• Fuel Transaction Fee (Applicable from 20th Dec, 2024): A 1% fee will be applicable on cumulative spends of INR 50,000 or more on fuel transactions per statement cycle.
• Online Skill Based Gaming Transaction Fee (Applicable from 20th Dec, 2024): A 1% fee will be applicable on cumulative spends of INR 10,000 or more on online skill-based gaming platforms per statement cycle.
• Taxes: All above fees and charges are subject to applicable taxes as per Government norms.

Rewards

Cashback on Online Spends

• Earn 7.5% cashback on Myntra spends, capped at INR 4000 per statement quarter.
• Earn 5% cashback on Flipkart and Cleartrip spends, capped at INR 4000 per statement quarter per merchant.
• Earn unlimited 4% cashback on Preferred Merchants, including Swiggy, Uber, PVR, and cult.fit.
• Earn 1% cashback on Flipkart Smart Store ('Bills and Recharges' section).
• Earn unlimited 1% cashback on all other eligible online and offline spends.
• Cashback will be directly credited to your credit card statement.

Dining Benefits

• Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program, offering 15% off up to Rs. 500 on dining bills at partner restaurants (valid at over 10,000 restaurants).
• Get 10% off on orders via Swiggy as part of Wednesday Delight offers.
• Receive 4% cashback on food delivery with the Swiggy app. This accelerated cashback is not valid for Instamart or Genie.

Travel Benefits

• Earn accelerated 4% cashback on Uber rides.
• Avail instant savings of up to 15% on flights & hotels via MakeMyTrip as part of Wednesday Delight offers.
• Lounge Access: While historical information mentioned complimentary domestic lounge access, the latest update effective 20th June 2025 indicates the removal of this benefit. Currently, domestic and international lounge access is not offered with this card.

Fuel Benefits

• Get a 1% fuel surcharge waiver on fuel purchases at all fuel stations across India.
• This waiver is valid on transactions between Rs 400 and Rs 4000 only.
• Maximum waiver benefits are up to Rs. 400 per statement cycle.
• GST charged on fuel surcharge is non-refundable.
• No cashback is earned on fuel transactions.

Lifestyle Benefits

• Get 10% off up to Rs. 1000 on Tira as part of Wednesday Delight offers.

EMI Conversion

• Avail exciting EMI offers on Flipkart.
• On any transaction over Rs. 1,500, you can contact the bank to convert a big credit card purchase into EMIs.
• For EMI transactions made using Flipkart Axis Bank Credit Card that are later cancelled at the merchant site, the customer must also cancel the EMI by calling Phone Banking (1800 103 5577 toll-free) before the first EMI is debited, to avoid an excess reversal of cashback.

Cashback Exclusions

• Cashback benefits do not apply to: fuel spends, rental payments, insurance payments, utility payments, education payments, purchases of gift cards on Flipkart or Myntra, purchases that have been converted to EMI, wallet reload transactions, purchase of gold items, cash advances, payment of the card’s outstanding balance, payment of card fees, or payments made to government services.

Rewards Redemption Guide

• Cashback earned on the Flipkart Axis Bank Credit Card is directly credited to your credit card statement.
• There is no rewards redemption fee for cashback.

Card Eligibility Criteria

Eligibility Rules

• Age: Primary cardholder should be between 18 and 70 years of age.
• Residency: The individual should be a Resident of India.
• Income (Salaried): Salaried individuals are typically required to have a monthly income of ₹15,000 or more.
• Income (Self-Employed): Self-employed individuals are typically required to earn more than ₹30,000 monthly.
• Bank Discretion: These criteria are indicative, and the bank reserves the ultimate right to approve or decline applications.

Documents Required

• Identity Proof: PAN Card photocopy or Form 60.
• Income Proof: Latest payslip / Form 16 / IT Return.
• Residence Proof: Driving License / Electricity Bill / Landline Telephone Bill.
• Note: The above list is indicative, and documents required may vary on a case-to-case basis.

Card Review

The Flipkart Axis Bank Credit Card is highly beneficial for individuals who frequently shop online, particularly on Flipkart, Myntra, and Cleartrip, where it offers excellent cashback rates. It also provides accelerated cashback on a range of preferred partners including Swiggy, Uber, PVR, and cult.fit, making it a versatile choice for various online spending. The cashback is a direct adjustment to the card statement, offering clear value.

• Who Should Apply:
  • Individuals who regularly shop from Flipkart and Myntra.
  • Those who frequently use online services for food ordering (Swiggy), movie bookings (PVR), and cab bookings (Uber).
• Pros:
  • High cashback rates: 7.5% on Myntra, 5% on Flipkart and Cleartrip, and 4% on preferred partners (Swiggy, Uber, PVR, cult.fit).
  • Cashback is directly adjusted against the card’s statement balance every month.
  • Unlimited cashback on preferred partners and other eligible spends (excluding Flipkart, Myntra, Cleartrip which have quarterly caps).
  • Dining benefits under the Axis Bank Dining Delights program.
  • Fuel surcharge waiver on transactions.
• Cons:
  • Limited benefits for offline shopping, with only 1% cashback.
  • Does not offer insurance benefits (e.g., air accident cover, loss/delay of luggage).
  • The annual spend requirement of Rs. 3,50,000 for fee waiver might be high for some users.
  • Welcome benefits have been reduced compared to previous offers.
  • Some users have reported issues with voucher redemption and card cancellations by Axis Bank.

Important Product Details

• Cashback Rates:
  • 7.5% on Myntra (capped at INR 4000 per quarter).
  • 5% on Flipkart and Cleartrip (capped at INR 4000 per quarter per merchant).
  • Unlimited 4% on preferred partners (Swiggy, Uber, PVR, cult.fit).
  • Unlimited 1% on other eligible spends.
  • Cashback is directly credited to the statement.
• Fees:
  • Joining Fee: Rs. 500 + GST.
  • Annual Fee (2nd year onwards): Rs. 500 + GST.
• Annual Fee Waiver: Waived on annual spends exceeding Rs. 3,50,000 (excluding rent and wallet load transactions).
• Welcome Benefits: Rs. 350 worth of activation benefits, including a Rs. 250 Flipkart voucher (for paid cards) and a Swiggy offer (50% off up to Rs. 100 for first-time users).
• Fuel Surcharge Waiver: 1% waiver (max Rs. 400/month) on fuel transactions between Rs. 400-4000. No cashback on fuel transactions.
• Dining Benefits: 15% off up to Rs. 500 at partner restaurants through Axis Bank Dining Delights.
• Travel Benefits: Accelerated 4% cashback on Uber rides, up to 15% off on flights & hotels via MakeMyTrip on Wednesdays.
• EMI Conversion: Option to convert transactions over Rs. 1,500 into EMIs.
• Key Exclusions for Cashback: Fuel spends, rental payments, insurance, utilities, education payments, purchases of gift cards on Flipkart or Myntra, purchases converted to EMI, wallet reload, purchase of gold items, cash advances, card outstanding/fees, and government services.
• Foreign Currency Markup: 3.5% on foreign currency transactions.
• Dynamic Currency Conversion Markup (Applicable from 5th March 2023): 1.5% markup on international transactions in Indian currency or with Indian merchants registered in foreign nations.
• New Transaction Fees (Applicable from 20th Dec, 2024):
  • Education: 1% fee per transaction via third-party apps.
  • Utility: 1% fee on cumulative spends of INR 25,000 or more per statement cycle.
  • Wallet Load: 1% fee on cumulative spends of INR 10,000 or more per statement cycle.
  • Fuel: 1% fee on cumulative spends of INR 50,000 or more per statement cycle.
  • Online Skill-Based Gaming: 1% fee on cumulative spends of INR 10,000 or more per statement cycle.
• No Insurance Benefits.
• No complimentary lounge access (removed as of June 2025).

Other Details

• Card Updates:
  • The terms and conditions of the Flipkart Axis Bank Credit Card will be updated effective 20th June, 2025.
  • Significant devaluations, including the removal of free airport lounge access, came into effect in June 2025.
  • As of January 2025, the card offers 5% cashback on Cleartrip, increased from the previous 4%.
• Estimated Annual Benefits (Based on sample spends):
  • Total Annual Spends: INR 3,63,000
  • Total Annual Benefits: INR 21,730 (which translates to approximately 6% value back)
  • Breakdown of sample benefits for specific spends:
    • INR 7,500 cashback on INR 1,00,000 spent on Myntra.
    • INR 4,500 cashback on INR 90,000 spent on Flipkart and Cleartrip.
    • INR 1,400 cashback on INR 35,000 spent on Preferred Merchants.
    • INR 800 cashback on INR 80,000 spent on Other Spends.
    • INR 180 benefit from fuel surcharge waiver on INR 18,000 fuel spends.
    • INR 500 cashback and INR 6,000 in discounts/benefits on INR 40,000 spent on Dining.
    • INR 350 in Welcome Benefits.
    • INR 500 from Annual Fee Waiver (if conditions met).
• Application Process and Status Tracking:
  • The bank typically takes 10 to 15 days to process the credit card application.
  • You can track your credit card application status using your Application ID or mobile number/PAN on Axis Bank's dedicated credit cards application tracking page.