Axis Bank Flipkart Credit Card Review

Author And Publisher: Gyro 3.o
20.06.2025 03:43 PM - Comment(s)

Axis Bank Flipkart Credit Card

Financial Expert Advice

  Choose Your First (or Next) Credit Card Wisely  


   "Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

 and lead to unnecessary debt. Focus on    stability & discipline."   


Axis Bank Flipkart Credit Card Review
"Rewards simplified, maximized"​

Introduction

The Axis Bank Flipkart Credit Card is a co-branded cashback card tailored for online shoppers, especially those who frequently use Flipkart and popular digital platforms. With unlimited cashback, robust partner offers, and practical lifestyle benefits, this card is a top pick for digital-first consumers seeking value on everyday spends,

Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Welcome Benefits

  • ₹500 Flipkart voucher on your first transaction.

  • ₹100 instant discount on your first Swiggy order (use code "AXISFKNEW").

  • Total activation benefits worth ₹600.

Reward Structure

  • Flipkart, Cleartrip: 5% cashback (Unlimited).
  • Preferred Merchants (Swiggy, etc.): 4% cashback (Unlimited).
  • Other Eligible Spends: 1% cashback (Unlimited).

    • Fuel, Wallet Loads, Gold, EMI, Government Payments, etc, 0% cashback (No cashback).

    Dining Benefits

    • 15% off (up to ₹500) at 10,000+ restaurants via EazyDiner, once per month.

    Airport Lounge Access

    • Enjoy 4 complimentary lounge visits to select airport lounges within India per calendar year with your Flipkart Axis Bank Credit Card on minimum spends of INR 50,000 in previous 3 months*

    Milestone Benefits

    • Annual fee waiver: Spend ₹3.5 lakh in a year to waive the next year’s annual fee (rent and wallet loads excluded from waiver calculation).

    Fuel Surcharge Waiver

    • 1% waiver on fuel spends between ₹400–₹4,000, capped at ₹400 per statement cycle.

    • No cashback on fuel transactions.

    Annual Fee

    • Joining fee: ₹500 + GST.

    • No fee for add-on cards.

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    Card Essential

     TypeCashback
     Welcome Benefits ₹500 Flipkart voucher on your first transaction.
      Annual Fee₹500 + GST
     Reward Structure Cashback on online shopping
     Renewal BenefitSpend ₹3.5 Lakh+ annually, get your renewal fee waived.

    Rewards and Benefits Analysis

    The Flipkart Axis Bank Credit Card offers one of the highest, uncapped cashback rates for Flipkart and select partner spends, making it a best-in-class choice for online shoppers. The direct statement credit adds transparency and ease. Dining, travel, and lounge access perks further boost its value proposition. However, offline shoppers and those seeking travel insurance or premium perks may find the card’s benefits limited.

    Practical Considerations

    • Cashback is not applicable on fuel, wallet loads, EMI, gold, government services, and other excluded categories.

    • Recent changes include new surcharges on high utility, wallet, and fuel spends, as well as increased finance charges and DCC markup.

    • Lounge access requires minimum spends in the prior three months.

    • No insurance or purchase protection benefits.

    Redemption Options

    • Cashback is auto-credited to your card statement monthly.

    Ideal User Profile

    • Regular Flipkart and Cleartrip shoppers.

    • Users who order frequently from Swiggy, Uber, PVR, and cult.fit.

    • Cardholders seeking straightforward, unlimited cashback with minimal effort.

    • Individuals who value dining and airport lounge perks.

    Final Thoughts

    The Axis Bank Flipkart Credit Card is a top-tier cashback card for digital-first, online shoppers. Its unlimited 5% cashback on Flipkart and 4% on leading partners, combined with easy redemption and lifestyle perks, deliver outstanding value for the ₹500 annual fee. However, those who spend primarily offline or need premium travel/insurance benefits may want to consider alternatives.

    Additional Tips for Potential Applicants

    • Use the card for all Flipkart, Cleartrip, and partner merchant spends to maximize cashback.

    • Track your annual spends to ensure you qualify for the annual fee waiver.

    • Be aware of recent surcharge changes and excluded categories.

    • Take advantage of the welcome benefits and monthly dining offers.

    This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the Flipkart Axis Bank Credit Card aligns with their 

    spending habits and financial goals.

    ! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
    Author And Publisher: Gyro 3.o

    Author And Publisher: Gyro 3.o

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