Flipkart Axis Bank Credit Card Review 2026
The Flipkart Axis Bank Credit Card is one of the best cashback credit cards in India, specially designed for online shopping lovers. If you frequently shop on Flipkart, Myntra, or use services like Swiggy, Uber, or Cleartrip, this card can help you earn high cashback on almost every transaction. It is a co-branded credit card offered by Axis Bank in partnership with Flipkart, making it highly rewarding for e-commerce users. With a simple cashback system and direct statement credit, this card is ideal for beginners as well as regular online shoppers.
Key Highlights
✅
Lifetime Free
Option Available
₹
₹500 Joining
Fee
%
7.5% Cashback
On Online Shoping
🎁
₹500 gift voucher
Flipkart + Cleartrip
Quick Overview
| Feature | Details |
|---|---|
|
Card Name |
Flipkart Axis Bank Credit Card |
|
Card Type |
Cashback Credit Card |
|
Best For |
Online Shopping |
|
Joining Fee |
₹500 + GST |
|
Annual Fee |
₹500 + GST |
|
Cashback |
|
|
Lounge Access |
Not Available |
|
Fuel Benefit |
1% Waiver |
Cashback & Rewards Structure
🛍️ 7.5% Cashback (Highest Category)
✔ Myntra
👉 Cashback capped at ₹4000 per quarter
🛒 5% Cashback
✔ Flipkart
✔ Cleartrip
👉 Cashback capped at ₹4000 per quarter per platform
🛍️ 4% Cashback (Preferred Merchants)
✔ Swiggy
✔ Uber
✔ PVR
✔ Cult.fit
👉 Unlimited cashback
🧾 1% Cashback (Other Spends)
✔ All other transactions
👉 Unlimited cashback
📊 Cashback Example
If you spend ₹20,000/month:
👉 Flipkart (₹10,000) → ₹500 cashback
👉 Other spends (₹10,000) → ₹100 cashback
👉 Total = ₹600/month
👉 Yearly = ₹7200+ saving
Welcome Benefits
✔ ₹500 Flipkart voucher (on first transaction)
✔ 50% off up to ₹100 on Swiggy
✔ Additional partner offers
👉 Only applicable on eligible cards
Travel & Lounge Benefits
❌ No airport lounge access (removed after update)
👉 Travel benefit mainly through Cleartrip cashback
Fuel Benefits
✔ 1% Fuel Surcharge Waiver
✔ Valid on ₹400–₹4000 transactions
✔ Max ₹400 per cycle
👉 Helps reduce fuel costs
Fees & Charges
| Type | Charges |
|---|---|
|
Joining Fee |
₹500 + GST (Zero Joining Fee in Offers) |
|
Annual Fee |
₹500 + GST (Free Option Available) |
|
Interest Rate |
~3.6% per month |
|
Late Payment Fee |
₹100 – ₹1300 |
|
👉 Annual Fee Waiver: Spend ₹3.5 Lakh/year (Bank Term Apply) |
|
Eligibility Criteria
Documents Required
✔ Aadhaar Card
✔ PAN Card
✔ Income Proof (Salary Slip / ITR)
✔ Address Proof
Pros & Cons
✅ Pros
✔ High cashback (up to 7.5%)
✔ Best for Flipkart & Myntra users
✔ Unlimited 4% cashback on top brands
✔ Direct cashback in statement
✔ Beginner friendly
❌ Cons
✖ No lounge access
✖ Cashback caps on major categories
✖ Limited benefits on bill payments
How to Apply Online?
- Click on Apply Now
- Fill basic details
- Complete KYC
- Get approval
Safety & Security
✔ Issued by a trusted bank
✔ Secure online transactions
✔ Fraud protection enabled
👉 100% safe to use
FAQs : Flipkart Axis Bank Credit Card 2026
- Q1. Is Flipkart Axis Bank Credit Card lifetime free?
- 👉 No, it has ₹500 annual fee
- Q2. What is the maximum cashback?
- 👉 Up to 7.5%
- Q3. Is it better than Amazon Pay ICICI card?
- 👉 Depends on usage (Flipkart vs Amazon)
- Q4. Is cashback direct?
- 👉 Yes, credited to statement
- Q5. Is it good for beginners?
- 👉 Yes
Final Verdict
If you are a heavy Flipkart, Myntra, or Swiggy user, the Flipkart Axis Bank Credit Card is one of the best cashback credit cards in India.
👉 It offers high cashback, simple rewards, and strong everyday usability.
👉 You can easily save ₹5,000–₹15,000 per year with smart usage.
👉 Visit Cardsathi.in, compare cards, and apply today