Flipkart Axis Bank Credit Card - Features, Benefits, Fees & Charges

Flipkart Axis Bank Credit Card (4.2)

Co-Branded Best For: Cashback
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Earn cashback on everything, everywhere. Whether you're shopping online or offline, the Flipkart Axis Bank Credit Card lets you earn cashback on all your purchases with unlimited 5% cashback on Flipkart, 4% cashback for spends on Swiggy, Uber, PVR, Curefit, Cleartrip, Tata Sky, Tata 1MG, and 1.5% cashback on all other merchants, you'll be saving money in no time. This card comes with a nominal joining and annual fee of ₹500; in exchange, it offers welcome benefits vouchers. Read on to learn more.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Cashback Benefit
  • 5% cashback on Flipkart.
  • 4% cashback on Preferred Merchants.
Welcome Bonus
  • ₹500 Flipkart voucher on first transaction.
  • 50% instant discount up to ₹100 on Swiggy.
Shopping Benefit
  • 5% cashback on Flipkart.
  • 4% cashback on PVR, Uber, Swiggy, Cleartrip, Cult.fit, Tata Play.
  • 1.5% cashback on Myntra and all other categories.
  • The cashback is credited to the credit card statement directly.
Lounge Access

4 complimentary domestic lounge visits every year.

Fuel Surcharge

1% fuel surcharge waiver for transactions worth ₹400 to ₹4,000 (maximum waiver of ₹400 in a month).

Dining Benefit

Up to 15% discount at 10,000+ partner restaurants with EazyDiner.

EMI Benefit

All major purchases above ₹2500 can be converted into EMI after the purchase at a low rate of interest.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

NA

Card Replacement Fee

Free

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

Nil

Reward Point Value

NA
Late Payment Charges

Balance below ₹500

₹ 0

Balance from ₹501 to ₹5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 750

Balance more than ₹10000

₹ 1200
Pros

Aspects that make this credit card amazing.

  1. 5% cashback for all purchases on Flipkart.
  2. A minimum of 1.5% cash back on all other purchases.
  3. Access to airport lounges in key cities.
  4. There is no upper limit on the cashback that can be earned on any of the categories.
Cons

Aspects this credit card lacks.

  1. No cashback for purchases of fuel and wallets.
  2. Lounge access is only available in metro areas.
  3. Only 1.5% of non-partner purchases qualify for cash back.
  4. Only 1.5% cashback on Myntra after devaluation. Earlier it was 5%.
  5. High annual fee waiver criteria of ₹3,50,000.
Flipkart Axis Bank Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(3.5)

Customer Service

(3.5)

Flipkart Axis Bank Credit Card Review

The Axis Flipkart Credit Card used to offer a generous 5% cashback on Myntra purchases, but after its devaluation, it now only offers 1.5%. Despite this, it remains a great option for those who frequently shop online, particularly on Flipkart and its partner merchants. Along with high cashback rates on these platforms, it also provides complimentary airport lounge access and dining benefits.
However, if you're someone who prefers offline shopping or is interested in earning reward points, this might not be the card for you. Additionally, the annual fee waiver criteria have been increased from ₹2 lakh to ₹3.5 lakh per year.

If you're seeking a cashback credit card that doesn't restrict you to specific merchants, you can consider the following credit cards:

1. SBI Cashback Credit Card 
2. Axis Bank Ace Credit Card
3. HSBC Cashback Credit Card

Overview

Best For              Online shopping and cashback
Joining Fee ₹500
Renewal Fee ₹500 (Waived off on a spend of ₹3,50,000 the previous year.)
Welcome Benefits Joining benefits from Swiggy and Flipkart of about ₹1,100
Best Feature 5% cashback on Flipkart, Uber, etc.

Who should get the Flipkart Axis Bank Credit Card?

The card is ideally suited for online shoppers because it offers the aforementioned benefits on Flipkart, Myntra, and other partner retailers. The best cardholders for the product are:

  • Followers of Flipkart.
  • Users searching for online shopping deals and discounts.
  • Users searching for a credit card with a low annual charge.
  • Users looking for an entrance to an airport lounge in India.

How to redeem cashback?

It is a credit card with a cashback. Users receive a set portion of their credit card purchases as an incentive.

Category Cashback
Flipkart  5%
Preferential merchants (PVR, Swiggy, Uber, and cure. fit) 4%
Myntra and all other categories 1.5%

How to apply for Flipkart Axis Bank Credit Card?

  • Visit select.finology.in and click on 'Credit Cards' tab.
  • Click on 'Card issuers'.
  • Click on the "Axis Bank" and choose 'Flipkart Axis Credit Card' from the list.
  • Click on 'Apply Now'.
  • Fill out the application form with your personal and financial details.
  • Upload the required documents such as identity proof, address proof, and income proof.
  • Review the information and submit the application.
  • Wait for the bank to process and approve your application.
  • Once approved, the credit card will be dispatched to your registered address.

Alternatively, you can also visit your nearest Axis Bank branch and fill out a physical application form along with providing the necessary documents.

Flipkart Axis Bank Credit Card Eligibility

  • Age: 18 to 70 years
  • Occupation: Salaried or Self Employed
  • Income: Applicants must have a stable source of income to be eligible for this credit card.
  • Resident: Resident or Non- Resident Indian

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Axis Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Axis Bank

Axis Bank Credit Card Customer Care Number:

1860 419 5555 / 1860 500 5555.

Axis Bank Card Offers:

View Offers

Total Cards:

1,47,92,226
Axis Bank Credit Card News
31 May 2024, Friday
1. Migration of Citi Credit Cards to Axis Credit Cards- All You Need to Know.

As of 1 March 2023, Axis Bank has acquired all consumer banking services from Citibank, including credit cards. The full migration of Citi customers to Axis Bank is anticipated to be completed by 9 June 2024. Existing Citi cards will be substituted with new credit cards from Axis Bank. Below is a list of some of the rebranded cards:

  1. Citi Rewards will become the Axis Rewards Credit Card.

  2. IndianOil Citi Card will become the IndianOil Premium Axis Bank Credit Card.

  3. Citi PremierMiles will become the Axis Bank Horizon Credit Card.

Features of New Axis Bank Credit Cards

1. Axis Rewards Credit Card:

  • Joining/Annual Fee: Rs. 1,000 + GST
  • Welcome Benefits: 5,000 EDGE REWARDS on Rs 1,000+ spend within the first 30 days.
  • Earn up to 20 EDGE Reward Points for every Rs 125 spent.
  • 2 complimentary domestic lounge access.

2. IndianOil Premium Axis Bank Credit Card:

  • Joining/Annual Fee: Rs 1,000 + GST
  • Welcome Benefits: 500 EDGE Miles on the first transaction within 30 days.
  • Earn EDGE Miles for fuel, groceries, and other spends, redeemable at IOCL petrol pumps.
  • Quarterly complimentary domestic lounge access, Zomato discounts, and a fuel surcharge waiver.

3. Axis Bank Horizon Credit Card:

  • Joining/Annual Fee: Rs 3,000 + GST
  • Welcome Benefits: 5,000 EDGE Miles on Rs 1,000+ spent within the first 30 days.
  • Earn EDGE Miles for travel and other categories.
  • International and domestic lounge access, fuel surcharge waiver, EazyDiner discounts.

Post Migration

  • Existing rewards/miles will be converted to Axis Bank EDGE Rewards and/or EDGE Miles with unchanged monetary value.
  • Card number, CVV, annual fees, credit limit, and other details will remain the same.
  • Mandates and saved card information on merchant sites will not change.
  • EMIs and other obligations will be seamlessly transferred to the new Axis card.
13 Mar 2024, Wednesday
2. Axis Bank suspends reward redemptions for credit cards used for Business Spends

Axis Bank has suspended reward redemptions for some credit cardholders and is requesting invoices to verify travel spending. The bank believes that some cardholders are misusing reward points by using their cards for business expenses, which is against the terms of the cardholder agreement. Axis Bank says that this is a routine exercise to monitor suspicious spending, but some genuine cardholders have also been flagged. Experts recommend using separate business credit cards to avoid such problems.

29 Nov 2023, Wednesday
3. Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January, 2024.

Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January 2024. The main changes include:

  • No points for government and utility spending: Cardholders will no longer earn any Vistara Points on transactions made towards government dues, utility bills, and insurance premiums. These were previously high-yielding categories that contributed significantly to point accumulation.
  • Loss of monthly milestone benefit: The monthly milestone benefit of 25,000 Vistara Points will also be discontinued. This was a valuable benefit for cardholders who consistently spent a certain amount each month.
10 Oct 2023, Tuesday
4. Axis Bank and Fibe have partnered to launch India's first numberless credit card.

Axis Bank, has teamed up with Fibe (formerly EarlySalary) to introduce the country's first-ever numberless credit card tailored for the tech-savvy Generation Z demographic.

This innovative credit card offers heightened security by eliminating the conventional card number, expiry date, and CVV code typically printed on physical cards. This forward-thinking design is expected to reduce the risk of identity theft or unauthorized access to cardholders' information, ensuring the utmost in security and privacy. The card will be accessible to Fibe's extensive customer base, which exceeds 2.1 million individuals.

13 May 2023, Saturday
5. Axis Bank links Rupay credit cards with UPI.

Axis Bank has enabled linkage of RuPay Credit Cards with Unified Payments Interface (UPI). This means that Axis Bank customers can now use their RuPay Credit Cards to make payments through UPI. UPI is a real-time payment system developed by National Payments Corporation of India (NPCI). It allows users to make instant payments to any bank account in India with just a few taps on their phone.

11 Apr 2023, Tuesday
6. Axis Bank Credit Cards adds six new transfer partners to EDGE Rewards

Taking the number up to 19, Axis bank added 6 new transfer partners to its existing list. These include hotel networks Accor ALL & Wyndham Rewards, Star Alliance’s Air Canada’s Aeroplan & Thai Airways Royal Orchid Plus as well as Oneworld Alliance’s Japan Airlines JAL Mileage Bank & Qantas Frequent Flyer.

These 19 transfer partners are cumulatively a part of Axis bank’s reward program known as the EDGE Rewards.

Flipkart Axis Bank Customer Reviews

Overall Rating

3.3

Based on 3 reviews

Rating Summary

5
33%
4
33%
3
0%
2
0%
1
33%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

Joining and activation benefits worth Rs. 1100 from Flipkart, Swiggy, and Myntra. Cardholders will receive up to 5% cashback on purchases made on Flipkart, Myntra, and other shopping sites and up to 1.5% cashback on other purchases.

Cardholders can directly contact these numbers - 1860-419-5555 and 1860-500-5555. Users can also contact Axis Bank Customer Support for assistance.

The Flipkart Axis Bank Credit Card is available to people between the ages of 18 to 70. The person must be an Indian resident or a non-resident Indian. In contrast, Axis Bank reserves the right to reject or approve the application.

The first year costs Rs 500, and the second year costs Rs 500. The annual fee is waived for expenditures in excess of Rs 2 lakhs.

A Flipkart Axis Bank Credit Card has a Rs 500 joining and annual fee. The annual fee is waived beginning with the second year if the annual expenditure is Rs 2 lakh or more.

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