Axis BankVisa Network

Verified

Direct Bank Application via Official Issuer Portal

Cashback Shopping Online Shopping

4.5/5 Editorial Score

Flipkart Axis Bank Credit Card

Flat 5% unlimited cashback on Flipkart and 4% on top lifestyle apps

Best Suited For

Flipkart Ecosystem Shoppers & Regular Swiggy/Uber Users

Cashback Shopping Online Shopping

Joining Fee

₹500

One-time upfront

Annual Fee

₹500

Waived on ₹3.5 lakh annual spend

Base Rewards

5% on Flipkart, 4% on partners, 1% on other spends

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

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Last verified 2 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.5/5 Editorial Score

The Flipkart Axis Bank Credit Card remains one of the strongest entry-level co-branded cashback cards in India for regular e-commerce spenders. Cardholders earn 5% cashback on Flipkart and Cleartrip, alongside 4% on select everyday digital partners including Swiggy, Uber, Cult.fit, and Tata 1mg. Cashback is credited automatically to your monthly statement balance, eliminating redemption fees and point-expiry hassles. However, several revisions have reduced its versatility: base cashback on general retail spends is 1% (down from 1.5%), complimentary domestic lounge access has been discontinued, and the ₹3,50,000 annual spend hurdle to waive the ₹500 renewal fee is steep for an entry-level card. Who it is best for: Consumers who direct a meaningful portion of their monthly shopping, food delivery, and rides to Flipkart, Swiggy, and Uber. Who should avoid it: Amazon loyalists, frequent air travelers seeking complimentary airport lounge privileges, and light spenders unable to offset the annual fee.

Ideal For:Flipkart Ecosystem Shoppers & Regular Swiggy/Uber Users

Cashback Shopping Online Shopping

Card Strengths

Direct statement cashback credit without manual redemption fees or point expiry
5% accelerated cashback on Flipkart and Cleartrip purchases
4% partner cashback on everyday apps including Swiggy, Uber, Cult.fit, and Tata 1mg
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (up to ₹400/month)

Things to Keep in Mind

High ₹3,50,000 annual spend threshold to waive the ₹500 renewal fee
Complimentary airport lounge access has been discontinued
Base retail cashback rate reduced to 1% on general non-partner categories
Utility, government, insurance, rent, and education transactions are excluded from cashback

Additional Cardholder Privileges

Rewards

5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, FitPass & Stoga by FitPass), and 1% Cashback on All Other Spends

Welcome

Welcome Benefit 1

₹250 Flipkart Voucher + ₹100 Swiggy Discount

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: Flipkart Axis Direct Cashback
Reward Currency: Cashback
Base Earn Rate: 5% on Flipkart, 4% on partners, 1% on other spends
Redemption Method: Automatic statement credit or checkout discount

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Flipkart & Cleartrip	5% unlimited cashback on Flipkart & Cleartrip	No Cap	Standard terms apply
Preferred Merchants (Swiggy, Uber, PVR, Cult.fit, Tata 1mg)	4% unlimited cashback on preferred partner merchants	No Cap	Standard terms apply
All Other Spends	1% unlimited cashback on all other eligible retail transactions	No Cap	Standard terms apply

Featured Merchant HubsAll Merchants

Flipkart Hub Myntra Hub Cleartrip Hub Uber Hub

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Flipkart & Cleartrip5.00%

No published cap

₹

Preferred Merchants (Swiggy, Uber, PVR, Cult.fit, Tata 1mg)4.00%

No published cap

₹

All Other Spends1.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Flipkart & Cleartrip	₹6,000	5% unlimited cashback on Flipkart & Cleartrip	—	None	Calculating...	Under cap
Preferred Merchants (Swiggy, Uber, PVR, Cult.fit, Tata 1mg)	₹6,000	4% unlimited cashback on preferred partner merchants	—	None	Calculating...	Under cap
All Other Spends	₹18,000	1% unlimited cashback on all other eligible retail transactions	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹500

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹500 annual fee.

Multi-card comparator

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹500
Annual / Renewal Fee (2nd Year Onwards): ₹500
Annual Spend Fee Waiver: Waived on ₹3.5 lakh annual spend
Fee Terms Notes: Fee waived on ₹3,50,000 annual spend

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Cashback Structure: 5% cashback on Flipkart & Cleartrip; 4% on preferred partners (Swiggy, Uber, PVR, Cult.fit, Tata 1mg); 1% base cashback on all other eligible retail transactions. Cashback Settlement: Automatically adjusted against the statement balance in the next billing cycle. No minimum redemption threshold. Fee Waiver: Annual renewal fee of ₹500 waived on cumulative eligible retail spends of ₹3,50,000 or more in the preceding card anniversary year. Lounge Access: Complimentary domestic airport lounge access is discontinued on this card variant. Exclusions: Fuel spends, wallet reloads, rent payments, educational payments, government services, insurance, jewellery purchases, and EMI transactions do not accrue cashback and do not count toward fee waivers.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding Flipkart Axis Bank Credit Card application, fees, reward redemption, and eligibility

How is cashback credited on the Flipkart Axis Bank Credit Card?

Cashback earned during a billing cycle is automatically calculated and credited directly as a statement balance deduction in your subsequent monthly credit card statement, usually within a few days of statement generation.

Does the Flipkart Axis Bank Credit Card offer complimentary airport lounge access?

No. Complimentary domestic airport lounge access was discontinued on the Flipkart Axis Bank Credit Card following recent product revisions by Axis Bank.

What is the annual fee waiver criteria for the Flipkart Axis card?

The annual renewal fee of ₹500 + GST is waived if your cumulative retail spends exceed ₹3,50,000 in the preceding card anniversary year. Spends on rent, wallet loads, jewellery, cash advances, and EMIs are excluded from this calculation.

Which merchants qualify for the 4% accelerated cashback tier?

The 4% cashback applies to transactions on designated preferred partner platforms, currently including Swiggy, Uber, Cult.fit, PVR, and Tata 1mg, subject to bank revisions.

What is the joining and annual renewal fee for Flipkart Axis Bank Credit Card?

The joining fee for Flipkart Axis Bank Credit Card is ₹500 (one-time), and the annual renewal fee is ₹500 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on Flipkart Axis Bank Credit Card be waived?

Yes, the annual renewal fee of ₹500 is waived upon achieving annual spends of ₹3.5 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on Flipkart Axis Bank Credit Card?

Flipkart Axis Bank Credit Card offers 5% on Flipkart, 4% on partners, 1% on other spends. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does Flipkart Axis Bank Credit Card offer complimentary airport lounge access?

No, Flipkart Axis Bank Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.