Axis Bank Flipkart Credit Card Review
Author And Publisher: Gyro 3.oAxis Bank Flipkart Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And 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,
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
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.
Card Essential
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.
CDMS EXPERT ADVICE
The Flipkart Axis Bank Credit Card is well-suited for disciplined online shoppers who can route a large share of their Flipkart, Cleartrip, and partner spends through this card to benefit from the higher cashback rates and low annual fee. Avoid overspending just to earn cashback, keep an eye on excluded categories and new surcharges, and if EMIs or rolling balances on this or other cards start affecting your monthly cash flow,
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.
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