Here you will find the information related to flipkart axis bank credit card. What are the benefits , features and how to apply for this credit card.
Table of Contents
Introduction
The Flipkart Axis Bank Credit Card is a feature-packed financial tool designed to elevate your shopping experience. With exclusive rewards, cashback benefits, and seamless integration with one of India’s leading e-commerce platforms, this co-branded credit card offers unparalleled advantages for savvy shoppers.
Co-branded credit cards like the Flipkart Axis Bank Credit Card are revolutionizing the way we shop by offering targeted benefits that cater to specific lifestyles and preferences. These cards not only simplify transactions but also provide added value through rewards, discounts, and tailored perks.
Read on to explore how this credit card can be your ultimate shopping companion, delivering unmatched value and convenience for your everyday purchases.
Features of the Flipkart Axis Bank Credit Card
-High Cashback Rewards
One of the standout features of the Flipkart Axis Bank Credit Card is its exceptional cashback program. Cardholders enjoy:
- 5% Cashback on Flipkart and Myntra: Get a generous cashback rate on all your purchases from Flipkart and Myntra, making it the perfect card for frequent shoppers on these platforms.
- 4% Cashback on Partner Platforms: Earn additional cashback on transactions made with select Flipkart partner platforms, ensuring savings on a wide range of products and services.
- 1.5% Cashback on Other Transactions: Benefit from a competitive cashback rate on all other purchases, making this card suitable for diverse spending habits.
- Activation Benefit:
- Flipkart Gift Voucher: Upon completing your first transaction with the card at any merchant, you’ll receive a ₹500 Flipkart gift voucher. Ensure this transaction occurs within 30 days of card issuance to qualify. The voucher will be sent to your registered mobile number or email by Axis Bank. You’ll receive a link to add the voucher balance to your Flipkart wallet. If you don’t have a Flipkart account, create one to redeem the voucher.
- Welcome Benefits:
- Myntra Cashback: Enjoy 15% cashback up to ₹500 on your first transaction on Myntra using the Flipkart Axis Bank Credit Card. This deferred cashback will be credited after Myntra’s return/cancellation period concludes. The offer applies to all products except gift cards and gold. There’s no specific time limit to utilize this benefit.
- Swiggy Discount: If you’re new to Swiggy, get a 50% discount up to ₹100 on your first order. Use the promo code “AXISFKNEW” during checkout to avail this offer.
- Additional Offers:
- MakeMyTrip and Goibibo Discounts: Receive a ₹500 instant discount on bookings at domestic hotels. For MakeMyTrip, use the e-coupon “MMTAXISFK”, and for Goibibo, use “GIAXISFK” during booking. These offers are valid for one booking per account and can be redeemed on their respective websites or mobile apps.
- Gaana Plus Membership: Get unlimited access to a 6-month Gaana Plus membership and a 50% discount on monthly renewals for the subsequent six months. This offer can be redeemed once per user and is available on Android devices.
- UrbanClap Discount: Avail 20% off up to ₹400 on your first transaction.Enter the e-coupon “axisflipkart” during checkout. This offer is available to new UrbanClap customers on all services offered through their app and website.
- Annual Fee and Waiver Conditions:
- Annual Fee: ₹500, applicable from the second year onwards.
- Waiver Eligibility: To have the annual fee waived, you must spend more than ₹3,50,000 in a year. It’s important to note that certain transactions do not count towards this spending threshold:
- Excluded Transactions:
- Rent payments (Merchant Category Code: 6513)
- Wallet loads (Merchant Category Code: 6540)
- Excluded Transactions:
These exclusions mean that spending in these categories won’t contribute to meeting the ₹3,50,000 requirement for the fee waiver. Axis Bank
As of August 12, 2023, Axis Bank updated the annual fee waiver threshold for the Flipkart Axis Bank Credit Card, increasing it from ₹2,00,000 to ₹3,50,000. This change means cardholders now need to spend more to qualify for the waiver. Economic Times
–Considerations When Choosing a Credit Card:
- Spending Habits: Select a card that aligns with your typical spending patterns to maximize benefits and increase the likelihood of meeting fee waiver thresholds.
- Excluded Transactions: Be aware of which transactions are excluded from spend calculations for fee waivers, as this can impact your ability to meet the required threshold.
- Additional Benefits: Beyond fee waivers, consider other card features such as cashback offers, reward points, and complimentary services to determine overall value.
Additional Perks
Fuel Surcharge Waiver
- Details:
- Waiver of 1% fuel surcharge on transactions between ₹400 and ₹4,000.
- Maximum waiver: ₹500 per billing cycle.
- Eligibility:
- The waiver is applicable only at fuel stations in India.
- GST and other charges are not waived.
- Exclusions:
- Fuel transactions under ₹400 or exceeding ₹4,000 in a single swipe do not qualify for the waiver.
Complimentary Airport Lounge Access
- Details:
- Enjoy 4 complimentary domestic lounge visits per calendar year.
- Applicable only at select airport lounges in India.
- Limited to 1 visit per quarter.
- Process to Avail:
- Use your Flipkart Axis Bank Credit Card to swipe at eligible lounge terminals.
- Lounge staff will verify the eligibility and grant access.
- Additional guests will be charged as per lounge policy.
- Exclusions:
- International lounges are not covered under this program.
- Complimentary access is subject to availability and may vary by lounge.
Other Key Benefits
- Cashback Offers:
- Unlimited 1.5% cashback on all other spends.
- 5% cashback on Flipkart, Myntra, and 2GUD.
- 4% cashback on preferred merchants like Swiggy, Uber, and Cleartrip.
- Dining Benefits:
- Special discounts of up to 20% at partner restaurants across India via the Axis Bank Dining Delights program.
- No Cost EMI:
- Convert large purchases into easy EMIs on Flipkart and other partner platforms.
Comparison with Similar Cards
- Many credit cards offer fuel surcharge waivers, but limits on transactions or the maximum waiver amount vary.
- Complimentary airport lounge access is generally a feature of mid-range to premium cards, with the number of free visits depending on the card’s tier.
Benefits of Using the Flipkart Axis Bank Credit Card
Exclusive Discounts
Offers on Flipkart Sales and Promotions
- Enhanced Cashback: Enjoy 5% unlimited cashback on Flipkart, Myntra, and 2GUD transactions, applicable even during major sales like Big Billion Days and End of Season Sales.
- Stackable Discounts: Combine the 5% cashback with instant discounts during partnered bank sales for additional savings.
- Exclusive Access: Early access to Flipkart sales and limited-time promotions.
Partner Deals and Seasonal Discounts
- Preferred Partners:
- 4% cashback on Swiggy, Uber, and Cleartrip transactions.
- Special discounts on services and subscriptions like Zomato Pro and SonyLIV.
- Seasonal Offers:
- Additional cashback and discounts during festivals and holiday seasons.
- Partnered merchant deals provide extra savings on electronics, fashion, groceries, and more.
Cashback on Groceries, Food Delivery, and Utilities
- Groceries
- Cashback: Earn 1.5% unlimited cashback on grocery purchases at local stores or supermarkets.
- Online Groceries: Save more on platforms like BigBasket and Grofers (Blinkit) through seasonal partner offers.
- Food Delivery
- Swiggy: Earn 4% cashback on Swiggy orders.
- Exclusive Offers: Combine the cashback with promo codes like “AXISFKNEW” for an additional 50% discount up to ₹100 on your first order.
- Utilities
- Bill Payments: Earn 1.5% cashback on electricity, water, and other utility bills paid through platforms like Paytm, PhonePe, and Google Pay.
- Exclusions: Cashback does not apply to rent payments or wallet loads.

Expanding Savings Beyond Flipkart
- Travel
- Cleartrip: Earn 4% cashback on travel bookings, including flights and hotels.
- MakeMyTrip & Goibibo: Get a ₹500 instant discount on domestic hotel bookings using promo codes.
- Dining
- Axis Dining Delights: Get up to 20% discounts at over 4,000 partner restaurants in India.
- Lifestyle and Entertainment
- Subscriptions: Save on platforms like Gaana, Zomato Pro, and SonyLIV with exclusive discounts and cashback offers.
- Fashion: Enjoy cashback on Myntra and partner brands during sales.
- Fuel
- Benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Why It’s a Great Everyday Card
- Unlimited Cashback: With 1.5% cashback on all other transactions, this card ensures savings across a wide range of expenses.
- Partnered Platforms: Offers and cashback on Swiggy, Cleartrip, and others make it versatile for non-Flipkart users.
Ease of EMI Conversion with the Flipkart Axis Bank Credit Card
Flexible Payment Options
- EMI Conversion for Large Purchases
- Eligibility: Purchases exceeding ₹2,500 can be converted into EMIs instantly.
- Tenure Options: Choose from flexible tenure periods, typically ranging from 3 to 24 months.
- How to Convert:
- Use the Axis Bank Mobile App or Internet Banking.
- Select the transaction you wish to convert and choose an EMI plan.
- Customizable EMI Plans
- Low Interest Rates: Competitive interest rates on standard EMI plans.
- Prepayment Option: Clear your EMI early with minimal foreclosure charges.
Zero-Cost EMI on Large Purchases
- Availability on Flipkart
- Zero-Cost EMI: Enjoy 0% interest on eligible purchases made during Flipkart sales or with partner merchants.
- Additional Cashback: Combine zero-cost EMI with the card’s 5% cashback for extra savings.
- Partnered Merchants
- Electronics & Appliances: Convert big-ticket items like laptops, smartphones, and TVs into zero-cost EMIs on Flipkart and Myntra.
- Retail Stores: Some offline stores also offer zero-cost EMI options when you use this card.
- How It Works
- At checkout, select the zero-cost EMI option if available.
- The interest cost is borne by Flipkart or the merchant, ensuring your installment amount equals the product price divided by the tenure.
Why It’s Convenient
- Financial Flexibility: Spread payments over time without burdening your finances.
- No Hidden Charges: Transparent terms, especially with zero-cost EMI.
- Ease of Use: Transactions are seamlessly converted into EMIs without additional paperwork.
How to Apply for the Flipkart Axis Bank Credit Card
Eligibility Criteria for the Flipkart Axis Bank Credit Card
To apply for the Flipkart Axis Bank Credit Card, you must meet certain age, income, and credit score requirements. Here’s a breakdown of the eligibility criteria:
1. Age Requirements
- Minimum Age: 21 years
- Maximum Age: 60 years (for salaried individuals)
- For self-employed individuals, the maximum age may vary slightly depending on the bank’s discretion, but it is generally around 65 years.
2. Income Requirements
- Salaried Individuals:
- Minimum monthly income of ₹25,000.
- The required income may vary depending on the city of residence and other factors.
- Self-Employed Individuals:
- Minimum annual income of ₹6,00,000.
- The income threshold might differ depending on the profession and location.
3. Credit Score Requirements
- Minimum Credit Score:
- A credit score of 750 or above is typically required for approval.
- Individuals with a lower credit score may still be considered but may need to fulfill other conditions or provide additional documentation.
4. Other Criteria
- Nationality:
- Applicants must be Indian citizens or residents of India.
- Existing Customers of Axis Bank:
- If you are an existing Axis Bank customer, your relationship with the bank may influence the approval process.
Who Can Apply for This Card?
- Individuals with Steady Income:
- Those who are salaried or self-employed and meet the income and credit score requirements can apply.
- A higher income and better credit score improve the chances of approval.
- Individuals with Good Credit History:
- Applicants with a good credit history and score are more likely to get approved.
- If you’ve previously maintained good relationships with other banks or credit institutions, you’re in a stronger position.
Step-by-Step Application Process for the Flipkart Axis Bank Credit Card
1. Online Application through Flipkart or Axis Bank
Through Flipkart:
- Visit the Flipkart Credit Card Page: Go to the official Flipkart Credit Card page.
- Select the Card: Choose the Flipkart Axis Bank Credit Card and click on “Apply Now.”
- Fill in Your Details: Complete the form by providing your personal details such as name, email, phone number, and address.
- Agree to Terms and Conditions: Review the terms and conditions and agree to them before proceeding.
- Submit the Application: After filling in all details, submit your application online.
Through Axis Bank:
- Visit Axis Bank Credit Cards Page: Go to the Axis Bank Credit Cards section on their website.
- Select the Flipkart Axis Bank Credit Card: Click on the relevant card option and then click “Apply Now.”
- Enter Your Information: Complete the online application form by entering your details such as personal, income, and contact information.
- Submit Application: After verifying all details, submit the application.
2. Required Documents for Application
To complete your application, you’ll need to upload the following documents:
- Identity Proof:
- Aadhar Card
- Passport
- Voter ID
- Driver’s License
- Address Proof:
- Aadhar Card
- Utility Bill (within 3 months)
- Passport
- Ration Card
- Income Proof:
- Salaried Individuals:
- Last 3 months’ salary slips
- Bank statement for the past 3 months
- Form 16 (for income tax)
- Self-Employed Individuals:
- Income tax returns (ITR) for the last 2 years
- Audited balance sheet and profit and loss statement
- Salaried Individuals:
- Photograph:
- A recent passport-sized photograph, usually uploaded during the online application process.
3. Verification Steps
- Document Verification:
- Once you’ve submitted your application with the required documents, Axis Bank will verify your information.
- KYC Process:
- Axis Bank may conduct a Know Your Customer (KYC) check, which includes validating your identity and address.
- Credit Check:
- The bank will assess your creditworthiness by checking your credit score (usually through a credit bureau). A score of 750 or higher is typically required.
- Approval & Confirmation:
- If your application is approved, you will receive an approval confirmation and the details of your card.
- Axis Bank will also send the Flipkart Axis Bank Credit Card to your registered address.
4. After Application Approval
- Activation:
- Once the card is delivered, follow the instructions to activate it (usually via Axis Bank’s app or phone banking).
- Start Using the Card:
- After activation, you can start using your Flipkart Axis Bank Credit Card for purchases and to avail of the exclusive benefits.
Approval Timeline for the Flipkart Axis Bank Credit Card
How Long the Process Takes
- Application Processing Time:
- After you submit your online application, the processing time typically takes 7-10 business days.
- This includes verification of your documents, credit check, and KYC process.
- Approval Time:
- Once your application is processed, the approval or rejection decision is usually communicated within 2-3 business days.
- If approved, the physical card is typically dispatched within 7-10 business days after approval.
- Card Delivery:
- Once dispatched, it can take another 7-10 business days for the card to be delivered to your registered address.
Thus, the entire process from applying to receiving your card can take 15-20 business days in total, depending on document verification and courier time.

Tips to Speed Up Approval
- Ensure Accuracy in Your Application:
- Double-check that all the information you provide is accurate and up-to-date (e.g., personal, contact, and income details).
- Any inconsistencies or errors in your application can cause delays.
- Submit Complete Documents:
- Make sure all required documents (identity, address, income proof, photograph) are clear and legible.
- Upload scanned copies of your documents in the required formats (PDF, JPEG) and ensure they are not blurry.
- Check Your Credit Score:
- Ensure that your credit score is at least 750 or higher to improve your chances of approval and speed up the process.
- If your credit score is low, work on improving it before applying (e.g., by clearing outstanding dues).
- Ensure KYC is Complete:
- If you are an existing Axis Bank customer, ensure your KYC is up-to-date in the bank’s system, as this can speed up the verification process.
- If not, complete the KYC process with Axis Bank before applying for the credit card.
- Choose the Right Card:
- If you apply for a specific variant of the Flipkart Axis Bank Credit Card, ensure it matches your eligibility. Applying for a card you are not likely to qualify for may cause delays or rejections.
- Track Your Application:
- Use the Axis Bank website or mobile app to track the status of your application. This helps you identify if any documents are missing or if any additional steps are needed.
Fees and Charges for the Flipkart Axis Bank Credit Card
1. Annual and Joining Fees
- Joining Fee:
- ₹500 (charged in the first year of card issuance).
- This fee is typically waived if you meet the spending criteria for fee waivers.
- Annual Fee (from the second year onwards):
- ₹500 annually.
- The fee can be waived in the second and subsequent years if you meet the annual spending threshold of ₹3,50,000 (excluding certain categories like rent payments and wallet loads).
2. Fee Waivers and Refund Conditions
- Annual Fee Waiver:
- Waiver Condition:
- Spend ₹3,50,000 or more annually to have the annual fee waived.
- Transactions excluded from the spending calculation (such as rent payments, wallet loads, etc.) do not count toward this threshold.
- Waiver Condition:
- Refund Conditions:
- If you meet the spending requirements, the annual fee is waived off in the next billing cycle.
- If you do not meet the criteria, the full annual fee is charged to your account.
Additional Fees
- Interest on Outstanding Balance:
- Interest rates are applicable if you carry a balance from one billing cycle to the next. The typical monthly interest rate is around 3.5% (annualized rate of 42%).
- Late Payment Fee:
- Charges apply if the outstanding balance is not paid by the due date, with fees ranging from ₹100 to ₹1,100, depending on the outstanding amount.
- Cash Withdrawal Fee:
- 2.5% of the withdrawn amount or ₹300 (whichever is higher).
- Foreign Transaction Fee:
- A 3.5% fee applies to all foreign currency transactions.
Why It’s Important to Track Fees
- Keep track of your spending to ensure you meet the fee waiver conditions.
- Avoid interest and late payment fees by paying your bill in full each month, if possible.
- Use the card strategically for high-value purchases to maximize cashback and benefits while managing fees.
Interest Rates and Penalties for the Flipkart Axis Bank Credit Card
1. Interest Rates
- Standard Interest Rate:
- 3.5% per month (42% annually) is charged on outstanding balances if the full bill is not paid by the due date.
- Cash Withdrawal Interest Rate:
- 2.5% of the withdrawn amount or ₹300 (whichever is higher) is charged for cash advances.
- Interest is charged from the day of the withdrawal, with no grace period.
- EMI Interest Rate:
- The EMI conversion interest rate varies but is typically 12-18% annually depending on the tenure and the amount converted into EMIs. However, zero-cost EMI options are also available for select purchases.
2. Late Payment Fees
- Late Payment Penalty:
- Penalties depend on the outstanding balance, and the fees are as follows:
- Less than ₹100: No penalty
- ₹100 to ₹500: ₹100
- ₹500 to ₹1,000: ₹400
- ₹1,000 to ₹10,000: ₹500
- Above ₹10,000: ₹1,100
- Penalties depend on the outstanding balance, and the fees are as follows:
- Impact on Credit Score:
- Late payments can negatively affect your credit score, potentially leading to higher interest rates on future loans and credit cards.
3. Comparison with Other Credit Cards
- Interest Rates:
- The Flipkart Axis Bank Credit Card’s interest rate of 3.5% per month (42% annually) is typical for many credit cards, though some premium cards may offer lower rates.
- Late Payment Fees:
- Many other credit cards in the market charge similar late payment fees, especially for outstanding amounts over ₹1,000. However, some cards have higher penalties (up to ₹1,500 for overdue balances).
- Cash Withdrawal Fees:
- The 2.5% cash withdrawal fee is relatively standard across most credit cards. However, some premium cards may offer free cash withdrawals up to a certain limit or provide lower fees.
- EMI Conversion:
- EMI conversion interest rates on the Flipkart Axis Bank Credit Card are in line with industry standards but may be more competitive during sales or specific campaigns when zero-cost EMI is available.
4. Avoiding Late Payment Fees
- Set Up Payment Reminders:
- Use the Axis Bank app or a third-party app to set payment reminders to avoid missing the due date.
- Autopay:
- Set up automatic payments for the minimum due or the full amount to ensure you never miss a payment.
- Pay On Time:
- The best way to avoid late payment penalties is to pay the full outstanding balance by the due date each month.
- If you are unable to pay the full balance, try to at least pay the minimum due to avoid a penalty.
- Use Your Card Wisely:
- Avoid carrying large balances from one month to the next.
- Try to pay off the balance in full to save on interest charges.
Amazon Pay ICICI Credit Card vs Flipkart Axis Bank Credit Card
Feature | Amazon Pay ICICI Credit Card | Flipkart Axis Bank Credit Card |
---|---|---|
Welcome Benefits | ₹500 Amazon Gift Voucher on activation. | Vouchers and discounts on Flipkart, Myntra, and 2GUD. |
Cashback on Online Shopping | 5% cashback on Amazon purchases for Prime members. | 5% unlimited cashback on Flipkart, Myntra, and 2GUD. |
Cashback on Other Purchases | 1% cashback on all other purchases. | 1.5% cashback on all other transactions. |
Grocery Cashback | No specific cashback for groceries. | 1.5% cashback on groceries. |
Fuel Cashback | 1% cashback on fuel purchases. | 1% fuel surcharge waiver (on transactions between ₹400 to ₹4,000). |
Dining and Entertainment | No specific dining offers. | Up to 20% discount at over 4,000 partner restaurants (Axis Dining Delights). |
Travel and Entertainment Deals | No specific travel or entertainment offers. | Offers on Cleartrip and MakeMyTrip, including 4% cashback. |
EMI Conversion | Flexible EMI options, but no specific mention of zero-cost EMI. | Zero-cost EMI on large purchases. |
Annual Fee | ₹500 annually (waived off with ₹1,00,000 annual spending). | ₹500 annually (waived off with ₹3,50,000 annual spending). |

Detailed Comparison
- Welcome Benefits
- The Amazon Pay ICICI Credit Card offers a ₹500 Amazon Gift Voucher upon activation.
- The Flipkart Axis Bank Credit Card provides discounts and vouchers on Flipkart, Myntra, and 2GUD, making it more tailored for online shoppers on these platforms.
- Cashback on Online Purchases
- The Amazon Pay ICICI Credit Card offers 5% cashback on Amazon purchases, but this is available only for Amazon Prime members.
- The Flipkart Axis Bank Credit Card offers 5% unlimited cashback on purchases made on Flipkart, Myntra, and 2GUD, making it a better choice for users who frequently shop on these platforms.
- Cashback on Other Categories
- The Amazon Pay ICICI Credit Card gives 1% cashback on all other purchases, which is lower compared to the Flipkart Axis Bank Credit Card, which gives 1.5% cashback on all other transactions.
- Grocery and Daily Essentials
- The Flipkart Axis Bank Credit Card provides 1.5% cashback on grocery purchases, whereas the Amazon Pay ICICI Credit Card does not offer any specific cashback for groceries.
- Fuel Surcharge Waiver
- Both cards offer fuel-related benefits, but the Flipkart Axis Bank Credit Card has a fuel surcharge waiver on transactions between ₹400 to ₹4,000, which helps you save on fuel-related expenses.
- The Amazon Pay ICICI Credit Card offers 1% cashback on fuel purchases, which is a bit more beneficial if you spend frequently on fuel.
- Dining and Entertainment
- The Flipkart Axis Bank Credit Card offers up to 20% discount at over 4,000 partner restaurants under the Axis Dining Delights program. The Amazon Pay ICICI Credit Card does not have specific dining benefits.
- EMI and Flexibility
- The Flipkart Axis Bank Credit Card offers zero-cost EMI on large purchases, making it ideal for big-ticket items. The Amazon Pay ICICI Credit Card has flexible EMI options but does not offer zero-cost EMI as a specific benefit.
- Annual Fee Waiver
- The Amazon Pay ICICI Credit Card has an annual fee of ₹500, which is waived if you spend ₹1,00,000 or more annually.
- The Flipkart Axis Bank Credit Card also has a ₹500 annual fee, but it requires a higher spending of ₹3,50,000 annually for a fee waiver.
Which Card is Better for You?
- Amazon Pay ICICI Credit Card is a great choice if you’re a frequent Amazon shopper and a Prime member, as the cashback on Amazon purchases is quite rewarding.
- Flipkart Axis Bank Credit Card is ideal for Flipkart, Myntra, and 2GUD shoppers, offering better overall cashback rates, dining discounts, and zero-cost EMI options, making it a versatile card for online shopping across different platforms.
General Cashback Cards vs Flipkart Axis Bank Credit Card
Feature | Airtel Cashback Card | Flipkart Axis Bank Credit Card |
---|---|---|
Cashback Rate on All Purchases | Typically offers 1% to 1.5% cashback on all purchases. | 1.5% cashback on all purchases. |
Category-Specific Cashback | Usually no category-specific benefits. | 5% cashback on Flipkart, Myntra, and 2GUD purchases. |
Bonus or Special Offers | May have limited offers and bonus categories. | Exclusive Flipkart, Myntra, and 2GUD promotions and offers. |
Annual Fee | Annual fees vary depending on the card. | ₹500 (waived off with ₹3,50,000 annual spending). |
Welcome Benefits | Welcome benefits vary but are often generic (e.g., vouchers, points). | Vouchers and discounts on Flipkart, Myntra, and 2GUD. |
Fuel and Utility Benefits | May offer generic fuel rebates or cashback. | Fuel surcharge waiver and 1.5% cashback on groceries. |
EMI Conversion | Available on most cards with regular interest rates. | Zero-cost EMI on large purchases (on Flipkart and other platforms). |
Specialty | Designed for users who want a simple, all-purpose cashback card. | Designed for Frequent Online Shoppers, especially on Flipkart, Myntra, and 2GUD. |
Why Specialized Cards Like the Flipkart Axis Bank Credit Card Might Be More Beneficial
- Higher Cashback on Specific Categories
- General Cashback Cards offer a flat cashback rate (usually 1% to 1.5%), regardless of the category of spending.
- Flipkart Axis Bank Credit Card, on the other hand, offers 5% cashback on purchases from Flipkart, Myntra, and 2GUD, providing a higher reward for shoppers who frequently make purchases from these platforms. For regular online shoppers, this specialized cashback rate offers significant savings.
- Targeted Benefits for Frequent Shoppers
- General Cashback Cards often provide minimal or generic benefits across various categories.
- The Flipkart Axis Bank Credit Card focuses on rewarding its users for purchases on specific platforms. This targeted benefit means higher value for customers who shop frequently on Flipkart, Myntra, or 2GUD, or those looking for exclusive deals.
- Exclusive Offers and Promotions
- General Cashback Cards may not offer specific promotions or seasonal discounts.
- The Flipkart Axis Bank Credit Card gives access to exclusive Flipkart sales, Myntra promotions, and discounts, which provide greater value during sales events like Flipkart Big Billion Days and Myntra End of Reason Sales.
- Annual Fee Waiver Based on Relevant Spending
- General Cashback Cards may require a large amount of spending across various categories to earn fee waivers, often without offering any significant bonuses for specific purchases.
- The Flipkart Axis Bank Credit Card gives 5% cashback on Flipkart purchases, meaning users who make regular purchases on Flipkart or Myntra can easily meet the spending requirements for the annual fee waiver (₹3,50,000).
- Additional Perks Like Zero-Cost EMI
- While many general cashback cards offer standard EMI options, they usually do not provide zero-cost EMI benefits.
- The Flipkart Axis Bank Credit Card allows customers to enjoy zero-cost EMI on large purchases, which is particularly valuable when making big-ticket purchases on Flipkart, Myntra, or other partnered merchants.
- Fuel and Grocery Benefits
- General Cashback Cards often provide only a small cashback or no cashback on fuel and groceries.
- The Flipkart Axis Bank Credit Card offers a fuel surcharge waiver and 1.5% cashback on groceries, making it a more versatile card for daily expenses beyond online shopping.
Why General Cashback Cards Might Still Be Useful
- Simplicity: If you’re looking for a card that provides straightforward cashback across all categories without worrying about spending on specific platforms, a general cashback card might suit your needs.
- Flexibility: These cards often offer cashback on a wide range of purchases (e.g., travel, dining, etc.), which can be ideal if your spending is not concentrated on one platform like Flipkart or Myntra.
Customer Reviews On Flipkart Axis Bank Credit Card
Real-Life Stories of Savings
- Ravi K., Frequent Shopper
- “I’ve been using the Flipkart Axis Bank Credit Card for over a year, and the savings are amazing! I shop frequently on Flipkart and Myntra, and the 5% cashback really adds up. Last year, I saved over ₹10,000 just from my regular purchases. On top of that, I received exclusive vouchers for Myntra and Flipkart sales, which made shopping even more enjoyable. I also love the zero-cost EMI option when making big-ticket purchases. It really helps with budget management!”
- Priya S., Fashion Enthusiast
- “The Flipkart Axis Bank Credit Card is perfect for anyone who loves fashion. With 5% cashback on Myntra and Flipkart purchases, I’m able to save a significant amount on my regular clothing buys. Last month, I bought a jacket from Myntra and saved ₹1,000 with the cashback! The additional discounts during sale seasons are a great bonus. Plus, I used the zero-cost EMI for a laptop I purchased, which made the payment process smooth.”
- Anil M., Tech Enthusiast
- “I recently upgraded my home tech setup with a Flipkart purchase. The 5% cashback was incredibly helpful, and I was able to opt for the zero-cost EMI option, which made managing my expenses a breeze. The card is definitely a lifesaver for tech purchases, and I love how seamless the checkout process is on Flipkart. The annual fee waiver is also a great perk after hitting the spending threshold, so it really feels like the card works for me.”

Ease of Using the Card on Flipkart
- Smooth Checkout Experience
- Many customers have reported a smooth checkout experience when using the Flipkart Axis Bank Credit Card on Flipkart. The card integrates seamlessly with the platform, allowing for instant use of rewards and cashback at checkout.
- “I love how easy it is to use my Flipkart Axis Bank Credit Card on the website. No hassle at checkout, and I see my cashback instantly reflected in my account.” — Vishal R.
- Exclusive Discounts During Sales
- Users often highlight the exclusive discounts they can avail of during Flipkart sales events like the Big Billion Days, which can be combined with cashback to maximize savings.
- “During the Big Billion Days sale, I was able to save even more with my Flipkart Axis Bank Credit Card. The additional discounts combined with the 5% cashback meant I saved a lot more than expected.” — Neha P.
- Real-Time Cashback and Voucher Redemption
- Many reviews mention how cashback and vouchers are credited promptly, with easy redemption available on the Flipkart website or app.
- “The cashback shows up quickly, and redeeming vouchers at checkout is super simple. It’s like getting an instant discount on your next purchase!” — Ravi T.
- Seamless Use with Flipkart Pay Later
- Some users appreciate how easily the Flipkart Axis Bank Credit Card integrates with the Flipkart Pay Later feature, allowing them to make purchases and pay later in installments, especially with zero-cost EMI.
- “I used the card with Flipkart Pay Later to buy a new phone and was able to convert my purchase into EMIs with zero-cost EMI. The process was smooth and easy, and I didn’t have to pay anything extra on top of the original price!” — Karan M.
Advantages Of Flipkart Axis Bank Credit Card
- High Cashback on Flipkart, Myntra, and 2GUD Purchases
- 5% cashback on purchases made on Flipkart, Myntra, and 2GUD (unlimited cashback), making it a perfect card for frequent shoppers on these platforms.
- Cashback on Everyday Purchases
- 1.5% cashback on all other purchases, including groceries, utilities, and everyday spending, which is higher than many other general cashback cards.
- Exclusive Discounts and Vouchers
- Access to exclusive discounts and vouchers on Flipkart, Myntra, and 2GUD, especially during sales events like Big Billion Days and Myntra End of Reason Sale.
- Fuel Surcharge Waiver
- Fuel surcharge waiver on transactions between ₹400 to ₹4,000, which helps save money on fuel-related purchases.
- Zero-Cost EMI Option
- Zero-cost EMI for large purchases on Flipkart and other partnered platforms, making it easier to manage high-ticket items without incurring additional interest charges.
- Annual Fee Waiver
- The ₹500 annual fee can be waived if you meet the spending threshold of ₹3,50,000 annually, which can be relatively easy to achieve with frequent purchases on Flipkart or Myntra.
- Complementary Lounge Access
- Complimentary access to airport lounges twice a year, which is a valuable benefit for frequent travelers.
- Easy Integration with Flipkart
- Seamless integration with Flipkart’s checkout process, and easy redemption of cashback and vouchers at the time of purchase.
Disadvantages Of Flipkart Axis Bank Credit Card
- High Annual Fee Waiver Threshold
- The annual fee of ₹500 is waived only if you spend ₹3,50,000 annually, which can be difficult for some users to achieve, especially those who don’t make large purchases on Flipkart or Myntra.
- Limited to Specific Platforms for Maximum Cashback
- The 5% cashback is only applicable to Flipkart, Myntra, and 2GUD, which limits the benefits for users who prefer shopping on other platforms or retail stores.
- Higher Spending Required for Premium Benefits
- Some benefits, such as exclusive offers and cashback, require higher spending thresholds or usage frequency to fully unlock, which may not appeal to occasional shoppers.
- Interest Rates on Non-Paid Balances
- The interest rate on outstanding balances is 3.5% per month (42% annually), which can accumulate quickly if you don’t pay your bill on time, leading to high interest charges.
- Cash Withdrawal Fees
- Cash withdrawal fees are 2.5% of the withdrawn amount or ₹300 (whichever is higher), which can be costly if you need to withdraw cash using the card.
- No Specific Cashback for Certain Categories
- The card does not offer specific benefits for categories like travel or entertainment compared to other cards that specialize in such purchases.
- Limited Foreign Transaction Benefits
- Foreign transaction fees are 3.5%, which may not be ideal for frequent international travelers who seek lower foreign currency transaction costs.
- Exclusion of Some Categories for Fee Waiver
- Certain categories, like rent payments and wallet loads, are excluded from the spending calculation for the annual fee waiver, meaning you need to spend on specific categories to qualify.

How to Increase Flipkart Axis Bank Credit Card Limit
If you’re looking to increase the credit limit on your Flipkart Axis Bank Credit Card, here are the steps you can follow:
1. Check Eligibility for Limit Increase
Before applying for a credit limit increase, ensure that you meet the basic eligibility requirements:
- Timely payments: Make sure you have a record of on-time payments for your previous credit card bills.
- Spending patterns: If your spending has increased and you need a higher limit, it may help to show higher utilization over time.
- Income and credit score: A stable income and good credit score (usually 750 or above) can increase the likelihood of approval.
2. Requesting a Credit Limit Increase via Axis Bank Online Portal
You can apply for a credit limit increase through the Axis Bank online platform:
- Step 1: Log in to your Axis Bank Internet Banking or Axis Mobile Banking App.
- Step 2: Navigate to the Credit Card section.
- Step 3: Select your Flipkart Axis Bank Credit Card and look for the “Request Credit Limit Increase” option.
- Step 4: Enter the new credit limit you desire (Axis Bank may suggest an amount based on your usage and eligibility).
- Step 5: Submit the request. Axis Bank will review your application and provide approval if you meet their criteria.
3. Contact Axis Bank Customer Care
You can also call Axis Bank customer care to request a credit limit increase:
- Call: Dial 1860-419-5555 or 1860-500-5555 (if calling from a mobile).
- Email: Alternatively, you can email them at axisbank@axisbank.com.
- Explain the reason for your request and ask if you’re eligible for a limit increase based on your spending and payment history.
4. Providing Documents for Limit Review
In some cases, Axis Bank may ask for documents to verify your income or creditworthiness. Be prepared to provide:
- Salary slips or bank statements (if your income has increased).
- Income Tax Returns (ITR) if you’re self-employed or have a business.
5. Wait for Approval
Once you’ve submitted your request, Axis Bank will process the application. It may take anywhere from 3 to 7 business days for approval, depending on the complexity of your request and the documents submitted.
6. Use the Credit Limit Responsibly
After your limit increase is approved, ensure that you continue to:
- Use the card responsibly, keeping your utilization ratio below 30-40% of the credit limit to maintain a healthy credit score.
- Make payments on time to ensure your credit history remains strong for future limit increases.
Things to Keep in Mind
- Frequency: You may be able to request a limit increase once every 6 months or 1 year, depending on Axis Bank’s policies.
- No Guarantee: A credit limit increase is not guaranteed and depends on your creditworthiness, spending habits, and bank policies.
- Impact on Credit Score: Requesting a credit limit increase may result in a hard inquiry on your credit report, which may slightly impact your credit score in the short term.
Conclusion: Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card offers a range of valuable benefits, particularly for individuals who are frequent shoppers on Flipkart, Myntra, and 2GUD. With attractive features like 5% cashback on these platforms, exclusive discounts during sales events, zero-cost EMI options, and fuel surcharge waivers, it’s a great choice for anyone who regularly shops online and wants to maximize their savings.
- High Cashback on Targeted Purchases: If you frequently shop on Flipkart, Myntra, and 2GUD, the 5% cashback can lead to significant savings, making it highly rewarding for regular online shoppers.
- Comprehensive Benefits: With perks like fuel surcharge waivers, airport lounge access, and annual fee waivers for meeting spending thresholds, the card offers valuable rewards across different categories, enhancing the overall shopping experience.
- Flexibility with EMI: The zero-cost EMI feature on large purchases is a standout for those looking to manage big-ticket items without paying extra interest.
- The annual fee of ₹500, which can be waived with a significant spending threshold of ₹3,50,000, may be difficult for some users to meet, especially if they don’t frequently make large purchases.
- The maximum cashback is only available on Flipkart, Myntra, and 2GUD purchases, which may limit the benefits for those who prefer shopping elsewhere.
- The foreign transaction fees (3.5%) can be a disadvantage for frequent international travelers.
- Individuals who are loyal to Flipkart, Myntra, and 2GUD, as the card rewards them with excellent cashback and exclusive offers.
- Online shoppers who want a card that offers high rewards for specific platforms while also providing general cashback and EMI benefits.
- Those who want to enjoy lounge access and other premium features like fuel waivers and annual fee waivers.
- Occasional or non-Flipkart shoppers who won’t maximize the 5% cashback or exclusive benefits.
- People who want a general-use cashback card or benefits across a wider range of categories like dining, travel, etc.
- Those who don’t often meet the spending requirements for annual fee waivers or would prefer lower foreign transaction fees.
FAQs
What are the key benefits of the Flipkart Axis Bank Credit Card?
5% cashback on Flipkart, Myntra, and 2GUD purchases.
1.5% cashback on all other transactions.
Exclusive discounts on Flipkart and Myntra during sales events.
Zero-cost EMI option on large purchases.
Fuel surcharge waiver and airport lounge access.
Annual fee waiver upon meeting the spending threshold of ₹3,50,000 annually.
What is the annual fee for the Flipkart Axis Bank Credit Card?
The annual fee is ₹500. However, this fee is waived off if you spend ₹3,50,000 or more in a year.
How can I earn cashback with the Flipkart Axis Bank Credit Card?
Earn 5% cashback on Flipkart, Myntra, and 2GUD purchases.
Earn 1.5% cashback on all other purchases, including groceries, utilities, and general shopping.
How can I redeem the cashback or rewards?
Cashback is credited to your card account, and you can use it for future purchases on Flipkart, Myntra, or 2GUD.
Exclusive vouchers can be used during Flipkart and Myntra sales.
What is the process for increasing my credit limit?
You can request a credit limit increase through the Axis Bank online portal, mobile app, or by calling Axis Bank customer care.
The request is subject to your creditworthiness, spending history, and income.
Can I use the Flipkart Axis Bank Credit Card for international purchases?
Yes, you can use the card for international transactions. However, the card incurs a foreign transaction fee of 3.5% on international purchases.
Are there any restrictions on using the Flipkart Axis Bank Credit Card?
Cashback is only available on Flipkart, Myntra, and 2GUD purchases.
The fuel surcharge waiver applies only for fuel purchases between ₹400 and ₹4,000.
What is the interest rate on the Flipkart Axis Bank Credit Card?
The interest rate on outstanding balances is 3.5% per month (42% per annum). It’s essential to pay your credit card bills on time to avoid interest charges.
How do I qualify for the annual fee waiver?
To waive the annual fee, you must spend ₹3,50,000 or more during the anniversary year.
Can I apply for the Flipkart Axis Bank Credit Card if I don’t have an Axis Bank account?
Yes, you do not need to have an Axis Bank account to apply for the Flipkart Axis Bank Credit Card. However, Axis Bank may ask for proof of income and a good credit score during the application process.
How do I track my rewards or cashback?
You can view your cashback balance and rewards directly through Axis Bank’s online portal or mobile banking app. The cashback is usually reflected in your credit card statement.
How do I cancel my Flipkart Axis Bank Credit Card?
To cancel your card, you can contact Axis Bank customer care at 1860-419-5555 or 1860-500-5555, or you can visit your nearest Axis Bank branch for assistance with cancellation.
Is there any limit on cashback earnings?
The 5% cashback on Flipkart, Myntra, and 2GUD purchases has no cap, meaning you can earn unlimited cashback on these transactions.
However, the cashback on other purchases (1.5%) may be subject to specific terms and conditions.
Can I get additional benefits during Flipkart and Myntra sales?
Yes, exclusive vouchers and extra discounts are available during sales events like Flipkart Big Billion Days and Myntra End of Reason Sale for cardholders, allowing you to maximize your savings.