← Part of Axis Credit Cards in India
The Flipkart Axis Bank Credit Card, a co-branded consumer cashback card, remains a top choice for online shoppers in India, offering up to 7.5% cashback on Myntra and 5% on Flipkart as of 2026. This card targets users aged 18-70 who seek rewards without premium pricing, with an annual fee of ₹500 + GST.
| Parameter | Details |
|---|---|
| Card Name | Flipkart Axis Bank Credit Card |
| Issuing Bank | Axis Bank |
| Co-branded Partner | Flipkart |
| Card Type | Co-branded consumer cashback card |
| Target Audience | Online shoppers, particularly on Flipkart and Myntra |
| Joining Fee (2026) | ₹500 + GST |
| Annual Fee (2026) | ₹500 + GST |
| Annual Fee Waiver Criteria | Annual spending of ₹3,50,000 (excluding rent payments and wallet load transactions) |
| Welcome Benefit – Flipkart Voucher | ₹250 (on first transaction within 30 days of card issuance, for paid cards only) |
| Welcome Benefit – Swiggy Discount | 50% off up to ₹100 (first time Swiggy users, code “AXISFKNEW”) |
| Cashback on Myntra | 7.5% |
| Cashback on Flipkart & Cleartrip | 5% |
| Cashback on Preferred Merchants | 4% (cult.fit, PVR, Swiggy, Uber) |
| Cashback on Other Spends | 1% |
| Fuel Surcharge Waiver | 1% (max ₹400/month, for transactions ₹400-₹4,000) |
| Lounge Access | None (complimentary domestic airport lounge access discontinued June 2025) |
| Dining Benefits | Minimum 15% discount up to ₹500 at 10,000+ partner restaurants (Axis Bank Dining Delights) |
| EMI Conversion | Available for transactions above ₹2,500 |
| Annual Percentage Rate (APR) | Up to 41.88% p.a. (if balances carried, as of 2026) |
| Foreign Exchange Markup Fee | 3.50% |
| Eligibility Age | 18–70 years |
| Eligibility Residency | Resident of India or Non-Resident Indian (NRI) |
| Minimum Income Requirement | ₹15,000/month (indicative) |
| Application Process | Online application with Video KYC |
| Card Delivery Time | 7-10 working days post-approval |
The card’s direct cashback model, where earnings are credited to the statement, simplifies rewards for consumers, making IT a strong contender for frequent online shoppers.
Cashback & Rewards Structure
The Flipkart Axis Bank Credit Card offers a strong cashback structure, with up to 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, making IT ideal for frequent online shoppers. As of 2026, cashback is directly credited to the statement, simplifying the rewards redemption process for cardholders.
| Category | Cashback Rate | Details |
|---|---|---|
| Myntra spends | 7.5% | Capped at ₹4,000 per statement quarter (as of 2026) |
| Flipkart & Cleartrip spends | 5% | Unlimited cashback on Flipkart purchases |
| Preferred Merchants (cult.fit, PVR, Swiggy, Uber, Tata Sky, Tata 1MG) | 4% | Applicable on transactions with these specific partners |
| All other eligible spending | 1.5% | Base cashback rate for general transactions |
| Fuel Surcharge Waiver | 1% | Maximum waiver of ₹400 per month; valid on transactions between ₹400 and ₹4,000 at any petrol pump |
| Welcome Benefit (Flipkart Voucher) | ₹250 | On making the first transaction within 30 days of card issuance; applicable for paid cards only |
| Welcome Benefit (Swiggy Discount) | 50% off up to ₹100 | For first-time Swiggy users, apply code “AXISFKNEW” on their first food order |
| Dining Offers | Minimum 15% off up to ₹500 | Through Axis Bank’s Dining Delights program at 10,000+ partner restaurants in India |
| Lounge Access | 4 complimentary visits per calendar year | Requires minimum spends of ₹50,000 in the previous 3 months; waived for new cards for issuance month + next 3 months. Note: Complimentary domestic airport lounge access was discontinued in June 2025. |
| Transactions not eligible for cashback | 0% | Includes insurance, rent, education, utilities, government services, wallet reloads, gold purchases, EMI transactions, cash advances, outstanding balance payments, card fees, and charges. |
The card’s cashback model directly credits rewards to the statement, distinguishing IT from cards offering loyalty points or wallet credits. This structure ensures transparent and immediate savings for users.
Fees, Charges & Welcome Benefits
The Flipkart Axis Bank Credit Card carries a joining fee of ₹500 and an annual fee of ₹500, both plus GST. The annual fee is waived if your spending exceeds ₹3.5 lakh in the preceding year, making IT a cost-effective option for frequent shoppers.
| Metric | Value (INR) | Notes |
|---|---|---|
| Joining Fee | ₹500 | Plus GST |
| Annual Fee | ₹500 | Plus GST |
| Annual Fee Waiver Threshold | ₹3,50,000 | Waived if annual spending exceeds this amount (excluding rent payments and wallet load transactions) |
| Welcome Benefit – Flipkart Voucher | ₹250 | On first transaction within 30 days of card issuance; applicable for paid cards only |
| Welcome Benefit – Swiggy Discount | ₹100 | 50% off up to ₹100 on first Swiggy food order for new Swiggy users (code “AXISFKNEW”) |
| Welcome Benefit – Cleartrip Voucher | ₹1,500 | Limited period offer, on minimum spends of ₹30,000 within 30 days of card issuance |
| Foreign Exchange Markup Fee | 3.50% | Applicable on international transactions |
| Fuel Surcharge Waiver | ₹400 | 1% waiver, capped monthly; valid for transactions between ₹400 and ₹4,000 |
| Dining Discount | Up to 15% | Max discount ₹500 at partner restaurants via Axis Bank Dining Delights program |
| Annual Percentage Rate (APR) | Up to 41.88% p.a. | Applicable if balances are carried forward (as of 2026) |
| EMI Conversion Charges | ₹1,500 and above | For converting transactions into EMIs |
The welcome benefits, including a Flipkart voucher and Swiggy discount, partially offset the joining fee, with the card’s primary value stemming from its ongoing cashback structure.
Eligibility & Application Process
The Flipkart Axis Bank Credit Card is available to Indian residents and NRIs aged 18 to 70 years, with a minimum monthly income of ₹15,000. Axis Bank processes applications online, typically approving them within 24-48 hours after successful video KYC.
- Age Criteria: Applicants must be between 18 and 70 years old to be eligible for the card.
- Residency Status: Both Indian residents and Non-Resident Indians (NRIs) can apply for the Flipkart Axis Bank Credit Card.
- Minimum Income: A minimum monthly income of ₹15,000 is generally required for salaried and self-employed individuals.
- Required Documents: Key documents include a PAN card (or Form 60), proof of identity, residence proof, a colour photograph, and income proof (latest payslip, Form 16, or IT return copy).
- Online Application: The entire application process is streamlined online through the Axis Bank or Flipkart website.
- Video KYC: A mandatory video Know Your Customer (KYC) process requires applicants to display their original PAN card and sign a blank document for verification.
- Approval Time: Applications are typically processed and approved by the bank within 24 to 48 hours after successful verification.
- Card Delivery: The physical credit card is usually delivered to the approved applicant within 7 to 10 working days after approval.
Meeting these criteria and providing accurate documentation ensures a smooth application experience for the Flipkart Axis Bank Credit Card.
Card Benefits & Features
The Flipkart Axis Bank Credit Card offers unlimited cashback on Flipkart and partner merchants, making IT a strong choice for online shoppers. As of 2026, IT provides direct cashback credited to your statement, simplifying the rewards process.
- Cashback on Myntra: Cardholders receive 7.5% cashback on all purchases made on Myntra. This is the highest cashback rate offered by the card.
- Cashback on Flipkart & Cleartrip: Enjoy 5% cashback on transactions on Flipkart and Cleartrip, ideal for frequent online shopping and travel bookings.
- Cashback on Preferred Merchants: A 4% cashback is available on popular platforms like cult.fit, PVR, Swiggy, and Uber. This covers daily lifestyle and entertainment spending.
- General Spends Cashback: All other eligible transactions across merchants earn a flat 1.5% cashback, ensuring rewards on most purchases.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is applicable for transactions between ₹400 and ₹4,000 at any petrol pump in India, capped at ₹400 per month.
- Dining Discounts: Cardholders get a minimum 15% discount, up to ₹500, at over 10,000 partner restaurants via the Axis Bank Dining Delights program with EazyDiner.
- EMI Conversion: Transactions exceeding ₹2,500 can be converted into easy EMIs, offering flexibility for larger purchases.
These benefits position the Flipkart Axis Bank Credit Card as a value-driven option for consumers focused on online shopping and lifestyle rewards.
Flipkart Axis vs Alternatives
The Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart and Cleartrip, alongside 7.5% on Myntra, making IT a strong contender for dedicated online shoppers. However, alternatives like the Amazon Pay ICICI Card and SBI Cashback Card cater to different spending patterns and offer distinct benefits as of 2026.
| Feature | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Credit Card | SBI Cashback Credit Card |
|---|---|---|---|
| Primary Shopping Platform | Flipkart, Myntra, Cleartrip | Amazon | All online spending |
| Cashback Rate (Primary Platform) | 5% on Flipkart & Cleartrip, 7.5% on Myntra | 5% for Prime members, 3% for non-Prime on Amazon | 5% on all online spending |
| Cashback on Other Merchants | 4% on preferred merchants (cult.fit, PVR, Swiggy, Uber), 1.5% on others | 2% on select partner merchants (Uber, Swiggy, BookMyShow), 1% on others | 1% on offline spending |
| Annual Fee (as of 2026) | ₹500 (waived on ₹3.5 lakh annual spend) | Lifetime Free | ₹1,180 (waived on ₹2 lakh annual spend) |
| Welcome Benefits | ₹250 Flipkart voucher + ₹100 Swiggy discount (on first transaction within 30 days) | 3-month Amazon Prime + 1-month EazyDiner membership + bonus cashback on select categories | Not explicitly mentioned as a primary welcome benefit in comparison |
| Cashback Credit Method | Directly into statement | Credited to Amazon Pay wallet | Automatically adjusted against credit card bill |
| Lounge Access | Discontinued complimentary domestic airport lounge access (effective June 2025) | Domestic lounge access (specific terms apply) | Domestic lounge access (specific terms apply) |
| Fuel Surcharge Waiver | 1% (max ₹400/month, for transactions ₹400-₹4,000) | 1% (max ₹100/month) | 1% (max ₹100/month) |
While the Flipkart Axis Bank Credit Card excels for frequent Flipkart and Myntra users, the Amazon Pay ICICI Card is ideal for Amazon-centric purchases, and the SBI Cashback Card offers broad 5% cashback on all online spends.
Common Misconceptions & Reality
The Flipkart Axis Bank Credit Card is often perceived as a universal cashback card, but its primary value lies in specific online spending categories. While IT offers broad utility, its benefits are most pronounced for frequent shoppers on Flipkart and Myntra.
- Misconception: The card offers complimentary airport lounge access. Reality: Axis Bank discontinued complimentary domestic airport lounge access for Flipkart Axis cardholders in June 2025.
- Misconception: All transactions earn cashback. Reality: Transactions for insurance, rent, education, utilities, government services, and wallet reloads do not earn cashback.
- Misconception: Welcome benefits fully offset the joining fee. Reality: The current welcome benefits, including a ₹250 Flipkart voucher and a ₹100 Swiggy discount, barely cover the ₹500 joining fee (as of 2026).
- Misconception: IT is the best card for all online shopping. Reality: While strong for Flipkart and Myntra (5% and 7.5% cashback respectively), the Amazon Pay ICICI Credit Card offers 5% cashback on Amazon and is lifetime free.
- Misconception: Cashback is earned as points or wallet credit. Reality: Cashback is automatically credited to your credit card statement before the next monthly statement is generated, simplifying the process.
Understanding these specific details helps users align the card’s features with their actual spending habits for maximum benefit.
How to Maximize Card Value
Maximizing the value of your Flipkart Axis Bank Credit Card in 2026 involves strategic spending on partner platforms. The card offers up to 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, making IT ideal for frequent online shoppers.
- Focus Spending on High-Cashback Partners: Direct your online purchases to Flipkart (5% cashback), Myntra (7.5% cashback), and Cleartrip (5% cashback) to earn the highest rewards.
- Utilize Preferred Merchant Benefits: use the 4% cashback on specific partners like cult.fit, PVR, Swiggy, and Uber for everyday expenses.
- Meet Annual Fee Waiver Criteria: Aim for an annual spend of ₹2 lakh to get the ₹500 annual fee waived, effectively making the card free for the year (as of 2026).
- Convert Large Transactions to EMIs: Use the EMI conversion feature for transactions above ₹2,500 to manage larger purchases without incurring high interest rates, if needed.
- Benefit from Dining Delights: Take advantage of the minimum 15% discount (up to ₹500) at over 10,000 partner restaurants through the Axis Bank Dining Delights program.
- Monitor Fuel Surcharge Waivers: Ensure fuel transactions are between ₹400 and ₹4,000 to qualify for the 1% surcharge waiver, capped at ₹400 per month.
By aligning your spending with the card’s reward structure and utilizing its various benefits, you can significantly its value.
Key Takeaways
- The Flipkart Axis Bank Credit Card provides up to 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, making IT a strong choice for specific online shopping.
- An annual spend of ₹2 lakh is required to waive the ₹500 annual fee, as per 2026 terms.
- Cashback is automatically credited to your statement, simplifying reward redemption compared to loyalty points.
Review the detailed benefits and apply for the Flipkart Axis Bank Credit Card on the official Axis Bank website to start earning rewards.
Frequently Asked Questions (FAQs)
What are the main cashback benefits of the Flipkart Axis Bank Credit Card in 2026?
The Flipkart Axis Bank Credit Card offers 7.5% cashback on Myntra, 5% cashback on Flipkart and Cleartrip, and 4% cashback on preferred merchants like cult.fit, PVR, Swiggy, and Uber. Cashback is credited directly to your statement, simplifying the rewards process. This makes IT a strong option for frequent shoppers on these platforms.
What are the joining and annual fees for the Flipkart Axis Bank Credit Card in 2026?
The Flipkart Axis Bank Credit Card has a joining fee of ₹500. An annual fee of ₹500 also applies, which can be waived if your annual spending exceeds a certain threshold (verify current waiver criteria with Axis Bank). Only cards with joining and annual fees are eligible for the welcome benefits.
Does the Flipkart Axis Bank Credit Card offer complimentary lounge access in 2026?
No, the Flipkart Axis Bank Credit Card no longer offers complimentary domestic airport lounge access. Axis Bank discontinued this benefit in June 2025, repositioning the card primarily for shopping rewards. The card now focuses on cashback and dining offers instead of travel perks.
What welcome benefits do I get with the Flipkart Axis Bank Credit Card in 2026?
Upon making your first transaction within 30 days of card issuance, you receive a Flipkart voucher worth ₹250. , new Swiggy users can get 50% off up to ₹100 on their first food order using the code “AXISFKNEW”. These benefits are available for paid cards with joining and annual fees.
What are the eligibility criteria for the Flipkart Axis Bank Credit Card in 2026?
To apply for the Flipkart Axis Bank Credit Card, you must be an Indian resident aged between 18 and 70 years. Axis Bank maintains relatively accessible eligibility standards for this card compared to its premium offerings. Your CIBIL score and income will also be assessed during the application.
How does the fuel surcharge waiver work on the Flipkart Axis Bank Credit Card?
You can avail a fuel surcharge waiver at any petrol pump across India, capped at ₹400 per month. Each fuel transaction must be between ₹400 and ₹4,000 to be eligible for the waiver. Transactions outside this range will not qualify for the surcharge benefit.
Can I get dining offers with the Flipkart Axis Bank Credit Card?
Yes, the Flipkart Axis Bank Credit Card provides dining offers through Axis Bank’s Dining Delights program, in partnership with EazyDiner. This allows cardholders to enjoy discounts and special experiences at various partner restaurants across India. Specific offers and terms should be checked on the Axis Bank website.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.