🧑💼 Reviewed by Tausif Shaikh | 📅 Updated May 2025
The Flipkart Axis Bank Credit Card is a powerful entry-level cashback card tailored for frequent online shoppers. With consistent rewards on platforms like Flipkart and Swiggy, this card ensures effortless savings on your day-to-day digital purchases.
📌 Key Benefits at a Glance:
The Flipkart Axis Bank Credit Card is among the best cashback credit cards in India in 2025 — delivering consistent flat rewards, low maintenance costs, and zero redemption headaches. Ideal for millennials, salaried professionals, and everyday online buyers who love shopping, streaming, and savings.
🔗 Official Source: Axis Bank – Flipkart Axis Credit Card
🧠 Editor’s Pick: Personally tested by Tausif Shaikh – Reviewed after 6 months of real-world usage | 📆 Updated May 2025
Joining Fee: ₹500 + GST
Renewal Fee: ₹500 + GST (waived on ₹2L annual spend)
Best For: Flipkart, Swiggy, Myntra, Uber, PVR, food & lifestyle spends
Reward Type: Direct Cashback (monthly statement credit)
Welcome Benefit: ₹500 Flipkart voucher on your first transaction
★★★★☆
(4.6/5)
⭐ Based on cashback categories, app usability & user experience. Not Axis Bank’s official rating.
🗓️ Updated May 2025 | Based on 6+ months of usage and verified details from Axis Bank.
| Feature | Details |
|---|---|
| Card Name | Flipkart Axis Bank Credit Card |
| Best For | Flipkart, Myntra, Swiggy, lifestyle & daily spends |
| Card Type | Merchant-backed cashback credit card |
| Network | Visa or Mastercard – global acceptance |
| Annual Fee | ₹500 + GST (waived on ₹2L annual spend) (Source) |
| Welcome Offer | ₹500 Flipkart voucher on first transaction (limited-time promo) |
| Cashback on Flipkart & Cleartrip | 5% cashback (no cap) |
| Cashback on Preferred Partners | 4% on Swiggy, Uber, PVR, Cult.fit & others |
| Other Spends Cashback | 1.5% flat cashback (no category restrictions) |
| Cashback Crediting | Auto-credited in the next statement cycle |
| Fuel Surcharge Waiver | 1% waiver on ₹400–₹4,000 spends (max ₹400/month) |
| Cashback Cap | No monthly cap on cashback |
| Eligibility | Indian resident, 18+ years, with regular income |
🚫 Note: No cashback on fuel, wallet reloads, rent, EMI, utility bills, or insurance. Always refer to the Axis Bank Flipkart Credit Card – Official Features for latest terms & merchant eligibility.
🧠 Reviewed by Tausif Shaikh | Based on personal usage and verified bank data as of May 2025
The Flipkart Axis Bank Credit Card is a powerful cashback credit card tailored for online shoppers and lifestyle enthusiasts. With high returns on Flipkart, Myntra, and popular brands like Swiggy, Uber, and PVR — it’s one of the best credit cards for Flipkart users in India.
(View Official Features)
💡 Pro Tip: Consider pairing this card with a fuel-specific credit card if fuel is a major expense.
Cashback is not applicable on:
🔎 Always check Axis Bank’s terms & conditions for the updated exclusion list.
📌 Note: Cashback values, merchant partners, and reward rules are subject to change without prior notice. Always refer to the
official Flipkart Axis Bank Credit Card page for the latest offers and terms.
📋 Reviewed by Tausif Shaikh | Verified using Axis Bank’s official disclosures (May 2025)
If you're considering the Flipkart Axis Bank Credit Card, it’s important to understand its charges beyond the cashback rewards. This card offers excellent value for Flipkart and Myntra shoppers — but knowing the fine print ensures you avoid hidden costs and use it smartly.
| Charge Type | Details |
|---|---|
| Joining Fee | ₹500 + GST (Flipkart voucher worth ₹500 as a welcome benefit) |
| Annual Renewal Fee | ₹500 + GST (waived on ₹2L annual spend) |
| Interest Rate (APR) | 3.6% per month (43.2% annually) |
| Cash Withdrawal Charges | 2.5% of amount withdrawn (min ₹500) |
| Late Payment Charges | ₹0 – ₹1,300 (based on outstanding balance) |
| Overlimit Fee | 2.5% of overlimit amount (min ₹600) |
| Foreign Currency Markup | 3.5% of transaction amount |
| Fuel Surcharge Waiver | 1% waiver on spends ₹400–₹4,000 (max ₹400/month) |
| Wallet Load & Rent Payment | No cashback; may attract extra fee via apps like CRED/Paytm |
| Card Replacement Fee | ₹100 + taxes |
| Reward Redemption Fee | None — cashback auto-credited monthly |
| Cash Deposit at Branch | ₹100 per deposit |
✅ The Flipkart Axis Credit Card offers some of the highest flat-rate cashback in India. If your monthly spending aligns with platforms like Flipkart, Swiggy, Uber, and Myntra — this ₹500 fee is easily recoverable.
🔎 Note: Charges and terms may vary by source or during promo periods. Always confirm with the official Axis Bank page before applying.
📋 Reviewed by Tausif Shaikh | Verified from Axis Bank & Flipkart official portals (May 2025)
The Flipkart Axis Bank Credit Card offers straightforward cashback benefits, making it a favorite among online shoppers. Unlike traditional reward points systems, this card provides direct cashback credited to your statement, simplifying the redemption process.:contentReference[oaicite:7]{index=7}
Here’s how the cashback mechanism works:
✅ The Flipkart Axis Bank Credit Card simplifies rewards by offering direct cashback, eliminating the complexities of traditional point-based systems. It’s an ideal choice for those seeking hassle-free savings on their everyday purchases.
🔎 Note: Information verified from Axis Bank and Flipkart (May 2025). Always refer to the official sources for the most current terms and conditions.
Now that you understand the key fees and charges, let’s take a look at what the Flipkart Axis Bank Credit Card actually looks like — because a stylish, functional card matters too.
The Flipkart Axis Bank Credit Card doesn’t just offer powerful cashback — it also makes a bold style statement. With a rich purple theme and crisp branding, it reflects both utility and brand loyalty, especially for frequent Flipkart and lifestyle shoppers.
✅ The Flipkart Axis Bank Credit Card not only delivers exceptional value through cashback but also looks the part — clean, modern, and functional. A great pick for those who want a stylish card that matches their online lifestyle.
Note: Design may vary slightly based on issuing partner or card version (Visa or Mastercard). For the most updated visuals and features, visit the official product page.
Now let’s break down exactly how much cashback you can earn every month using this card — based on realistic spending habits across Flipkart, Swiggy, and more.
Want a credit card that rewards your online lifestyle? I’ve been using the Flipkart Axis Bank Credit Card regularly, and it’s truly designed for people like me who shop online, order food, and book cabs frequently. With flat-rate cashback on Flipkart, Swiggy, Uber, and even everyday purchases — it has become my go-to card in 2025.
Below is a realistic cashback estimation based on my monthly usage pattern. These categories reflect typical spending habits of urban professionals who prefer convenience, rewards, and value.
| Spending Category | Avg. Monthly Spend | Cashback Rate | Est. Monthly Cashback |
|---|---|---|---|
| Flipkart & Myntra | ₹15,000 | 5% | ₹750 |
| Swiggy, Uber, PVR | ₹10,000 | 4% | ₹400 |
| Other Online & Offline Spends | ₹20,000 | 1.5% | ₹300 |
| Total Monthly Cashback | — | — | ₹1,450 |
| Category Group | Est. Annual Cashback |
|---|---|
| Flipkart/Myntra Shopping | ₹9,000 |
| Swiggy, Uber, PVR | ₹4,800 |
| Other Spends (Groceries, Bills) | ₹3,600 |
| Total Yearly Cashback | ₹17,400 |
Final Insight: If you’re someone who shops online often and enjoys food delivery or entertainment via Uber and PVR, this card is a goldmine. With potential cashback of up to ₹17,400/year, it easily justifies its ₹500 annual fee — which also gets waived on just ₹2L spend. It’s a no-brainer for Flipkart loyalists.
Here’s the actual cashback I earned in May 2025 using the Flipkart Axis Bank Credit Card:
🏆 Cashback Earned: ₹1,450 — including ₹750 (Flipkart), ₹400 (Swiggy/Uber), and ₹300 (other spends).
💡 My Tip: Always route your Flipkart and Swiggy orders through this card. Even small spends add up fast with no redemption effort required — the cashback is auto-credited monthly.
The Flipkart Axis Bank Credit Card offers category-specific cashback — like 5% on Flipkart and 4% on key partners. But several types of transactions are excluded. Here’s a transparent breakdown:
💡 To get the most out of your Flipkart Axis Bank Credit Card, focus on Flipkart, Swiggy, Uber, and offline retail purchases. Avoid transactions listed above to ensure your cashback reflects accurately in your monthly statement.
🔎 Disclaimer: Cashback terms are subject to Axis Bank’s T&Cs and partner merchant policies. Always verify current exclusions and merchant codes on the official Axis Bank card page or contact Axis support.
The Flipkart Axis Bank Credit Card offers excellent cashback across Flipkart, Myntra, and Swiggy — but if you’re wondering whether it also provides free airport lounge access, the answer is simple: No, this card does not include any complimentary lounge visits.
✈️ If airport lounge access is a must-have, consider Axis credit cards like Magnus, Vistara Infinite, or SELECT, which offer both domestic and international lounge privileges.
🔎 Source: Flipkart Axis Credit Card – Official Page
⚠️ Disclaimer: As of 2025, the Flipkart Axis Bank Credit Card does not include lounge access. For current benefits and exclusions, always refer to the Axis Bank official website.
🔎 Source: Flipkart Axis Bank Credit Card – Official Page
⚠️ Disclaimer: Cashback eligibility and exclusions depend on merchant category codes and spending behavior. Terms may vary during limited-time offers. Always check Axis Bank’s latest updates before applying.
Flipkart & Cleartrip spends
Swiggy, Uber, PVR, Cult.fit & others
All other eligible spends
💡 Cashback is auto-credited to your next billing cycle. No caps, no redemption needed. 🚫 Fuel, rent, utility bills, insurance, wallet reloads, and EMI payments are excluded from cashback.
I’ve been actively using the Flipkart Axis Bank Credit Card throughout 2025 to cover my online shopping, Swiggy orders, and travel via Uber. The 5% cashback on Flipkart and 4% on key lifestyle partners makes it one of the best credit cards for digital-first consumers.
Below is a real 6-month cashback breakdown based on actual usage, verified statement entries, and cashback credited as statement credit (automatically in the next billing cycle).
👉 Total Cashback Earned in 6 Months: ₹8,280 (automatically adjusted as monthly statement credit)
📊 Verified cashback snapshot from Jan to Jun 2025. Total earned: ₹8,280.
This cashback benefit is in addition to free domestic lounge access (1/quarter), zero joining fee (if applied via Flipkart app), and instant EMI options on Flipkart orders. The card has no manual redemption — everything is automatic and seamless.
💡 Pro Tip: Avoid using this card for rent, insurance, and wallet loads — they’re excluded from cashback. For groceries, electronics, and food delivery, this is one of the top cashback credit cards in India today.
🔎 Note: Cashback is credited automatically and tracked by Axis Bank every month. To learn more about eligible transactions,
visit the official card page.
🧑💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia 📆 Last updated: May 2025
Thinking of applying for the Flipkart Axis Bank Credit Card? Before you hit that apply button, it’s essential to know if you meet the basic Axis Bank credit card eligibility criteria. Here’s a simplified breakdown to help you get started:
💡 Quick Tip: If you’re already an Axis Bank customer or have good credit history, your application for the Flipkart Axis card may get processed faster.
Want to start saving with 5% cashback on Flipkart, Myntra, and more? Here’s a simple guide to help you apply for the Flipkart Axis Bank Credit Card — fully online or through offline methods. The process is smooth, paperless, and takes just a few minutes if you’re eligible.
💡 You can also apply via trusted third-party platforms like Paisabazaar, BankBazaar, or Card Insider for instant eligibility checks and application tracking.
📌 Pro Tip: Having a CIBIL score above 700 and no recent hard inquiries can significantly improve your approval chances.
🔎 Note: This is not a lifetime free card. It has a ₹500 annual fee, which is waived on spends of ₹2 lakh per year. Always verify the latest terms on the official Axis Bank credit card page.
The Flipkart Axis Bank Credit Card comes with a pre-approved credit limit that’s customized based on your income, CIBIL score, repayment history, and Axis Bank’s internal credit policies. Many users report limits starting from ₹25,000, with high-credit-score customers getting ₹1.5 lakh or more. Here’s how Axis determines your card limit and how you can request an increase over time.
To increase your card limit after consistent use:
💡 Pro Tip: If you’ve received a pre-approved offer or hold an existing Axis savings account, your chances of getting a higher initial limit go up significantly.
🔎 Sources: Axis Bank – Official Card Page, CardExpert Review, Reddit India Credit Cards
Got questions about your Flipkart Axis Bank Credit Card? Whether it’s cashback issues, transaction disputes, card delivery delays, or EMI setup — Axis Bank’s customer service is here to help you round the clock via phone, email, chat, and mobile app.
BAL – Check card balanceAVAIL – Check available credit limitTXN – Last 3 transactionsBLOCK – To block your card (Send to 56161600)Prefer in-person help? Visit your nearest Axis Bank branch — use the Branch Locator to find one near you.
💡 Quick Tip: Keep your registered mobile number and the last 4 digits of your credit card ready when reaching out — this ensures faster service.
🔎 Sources: Flipkart Axis Credit Card Official Page, Axis Bank Customer Support
As an avid online shopper, the Flipkart Axis Bank Credit Card caught my attention with its promise of 5% unlimited cashback on Flipkart. After several months of usage, here’s my detailed experience:
I applied online through the Axis Bank website. The process was straightforward, and I received my card within a week. The KYC verification was quick, and I could set up my PIN using the Axis Mobile app.
The card offers:
Cashback is credited directly to the statement in the next billing cycle, making it easy to track and redeem. Source
It’s important to note that certain transactions are excluded from cashback benefits:
For a comprehensive list, refer to the official cashback terms and conditions.
The Axis Mobile app is intuitive and user-friendly. It allows me to:
The card provides 4 complimentary domestic lounge accesses per year, limited to 1 per quarter. To avail this benefit, a minimum spend of ₹50,000 in the previous 3 months is required. Source
The Flipkart Axis Bank Credit Card is a valuable tool for frequent online shoppers, especially those who regularly use Flipkart and its partner services. The unlimited cashback without any cap is a significant advantage. However, potential users should be aware of the cashback exclusions and the spend requirement for lounge access.
Note: The card has an annual fee of ₹500, which is waived off on annual spends of ₹2 lakh or more. Source
For more details or to apply, visit the official Flipkart Axis Bank Credit Card page.
Apply for the Flipkart Axis Bank Credit Card and save big on your online shopping & food orders.
✔ 5% cashback on Flipkart & Cleartrip
✔ 4% cashback on Swiggy, Uber, PVR & more
✔ 1% on all other spends + 4 lounge visits/year
The Flipkart Axis Bank Credit Card is great for Flipkart and partner platforms, but if you shop across various websites, pay utility bills often, or want a card with fewer restrictions — here are some of the best alternatives worth considering:
| 💳 Credit Card | Best For | Cashback Structure | Annual Fee |
|---|---|---|---|
| 🟦 SBI Cashback Credit Card Best for Online Shopping |
Amazon, Ajio, Nykaa, BigBasket, and more | 5% on online spends (select MCCs), 1% elsewhere. Cap: ₹5,000/month | ₹999 (waived on ₹2L spend) |
| 🟩 Amazon Pay ICICI Credit Card Best for Amazon |
Amazon Prime & Non-Prime Users | 5% (Prime), 3% (Non-Prime), 2% (Amazon Pay), 1% (others) | Lifetime Free |
| 🔵 Axis Bank ACE Credit Card Best for Utility Payments |
Bill payments via Google Pay, food delivery, rides | 5% (GPay bills), 4% (Swiggy/Ola/Zomato), 1.5% (others) | ₹499 (waived on ₹2L spend) |
| 🟠 HDFC Millennia Credit Card Best for Mixed Use |
Shopping on Amazon, Flipkart, Swiggy, Zomato, Uber | 5% on top online brands, 1% elsewhere | ₹1,000 (waived on ₹1L spend) |
| 🟫 IDFC FIRST Classic Credit Card Best Lifetime Free Card |
Beginners, daily use, zero annual fee | Up to 2.5% on online/offline spends, fuel waiver, EMI flexibility | Lifetime Free |
| 🟡 AU Bank LIT Credit Card Most Customizable |
Custom cashback on categories like online shopping, travel, dining, fuel | 1%–10% cashback based on monthly selected categories | ₹49/month (₹588/year) |
💡 Recommendation: If your spending is more diverse or focused outside Flipkart (like Amazon, wallets, or utility bills), you may save more with cards like the SBI Cashback Card, Axis ACE, or even the customizable AU Bank LIT Card. Choose the one that fits your top expenses best in 2025.
The Flipkart Axis Bank Credit Card offers attractive cashback rewards, especially for Flipkart and partner merchants. However, it may not be the ideal choice for everyone. Consider the following points before applying:
📌 Use Case Mismatch: If your spending includes categories like fuel, utility bills, or international travel, or if you prefer a card with broader cashback applicability, you might want to explore other options.
💡 Tip: Choose a credit card that aligns with your spending habits to maximize benefits and minimize costs.
The Flipkart Axis Bank Credit Card is a co-branded offering tailored for avid online shoppers, especially those frequenting Flipkart and its partner platforms. Here’s an in-depth look at its features and benefits:
Why Choose This Card:
🏁 Verdict: The Flipkart Axis Bank Credit Card offers substantial benefits for online shoppers, especially those loyal to Flipkart and its affiliates. Its unlimited cashback structure and added perks make it a compelling choice for maximizing savings on everyday spends.
The Flipkart Axis Bank Credit Card is a top choice for online shoppers in India. But how does it compare to other leading cashback credit cards like the Amazon Pay ICICI Card, SBI Cashback Card, and Axis Bank ACE Card? Here’s a detailed comparison to help you decide:
| Feature | Flipkart Axis Bank | Amazon Pay ICICI | SBI Cashback | Axis Bank ACE |
|---|---|---|---|---|
| Best For | Flipkart, Cleartrip, and partner merchants | Amazon Prime & non-Prime users | General online shopping across brands | Utility bills, Swiggy/Ola, daily spends |
| Top Cashback | 5% on Flipkart & Cleartrip | 5% (Amazon Prime), 3% (Non-Prime) | 5% (select online categories) | 5% (Google Pay), 4% (Swiggy/Ola) |
| Other Cashback | 4% on preferred partners, 1% on others | 2% (Amazon Pay partners), 1% on others | 1% on all other spends | 1.5% unlimited on all others |
| Annual Fee | ₹500 (waived on ₹3.5L spend) | Lifetime Free | ₹999 (waived on ₹2L spend) | ₹499 (waived on ₹2L spend) |
| Lounge Access | 4 domestic visits/year (on ₹50K/quarter spend) | None | None | 4 domestic visits/year |
| Fuel Surcharge Waiver | 1% (₹400 cap/month) | 1% (₹100 cap/month) | Not Applicable | 1% (₹500 cap/month) |
| Major Limitation | Best only if you shop mostly on Flipkart | Only rewarding for Amazon spends | No cashback on rent, fuel, insurance, or utilities | 5% cashback limited to Android users via GPay |
🧾 Summary Verdict:
✅ Our Recommendation: If your spending is primarily on Flipkart and its partner merchants, the Flipkart Axis Bank Credit Card offers substantial cashback benefits and added perks like lounge access. However, if your spending is more diversified or focused on other platforms, consider the alternatives that align best with your shopping habits.
The Flipkart Axis Bank Credit Card is a top-tier shopping credit card that offers instant cashback on your everyday purchases — especially if you frequently shop on Flipkart, Myntra, and Swiggy. It’s one of the best Axis Bank credit cards in India for online shopping and food delivery.
With flat 5% cashback on Flipkart and Myntra, and 4% on Swiggy, PVR, and Uber, this card ensures that your regular spending turns into real savings. All other transactions earn 1% cashback, making it well-rounded for daily use.
There are no complex rewards systems or confusing redemptions. Cashback is automatically credited to your statement, and it’s ideal for users who value **clarity, ease, and real-world value**.
💸 Annual Fee: ₹500 + GST (waived on ₹2L annual spend)
🛍️ Best For: Flipkart loyalists, online shoppers, foodies, and movie lovers
No. It has an annual fee of ₹500 + GST, but the fee is waived on annual spending of ₹2 lakhs.
You can earn up to ₹500/month on 5% Flipkart/Myntra spends and ₹500/month on 4% partner merchants. There’s no cap on 1% base cashback.
You earn 4% cashback on spends at Swiggy, Uber, and PVR.
Yes. You get 4 complimentary domestic airport lounge visits per year — limited to 1 per calendar quarter. See lounge access details ↓
No. Fuel transactions do not earn any cashback. However, you do get a 1% fuel surcharge waiver on transactions between ₹400–₹4,000.
A score of 700 or higher improves your chances of approval, but Axis Bank may also consider other factors like income, credit utilization, and repayment history.
Applicants must be between 18 to 70 years with a stable income (salaried or self-employed), and a valid Indian residential address.
Yes. It’s a Visa credit card that is accepted at all online and offline stores across India. You also earn 1% cashback on all other eligible spends.
You can, but these transactions do not earn cashback and may attract additional convenience fees.
Yes, you can link it to Google Pay and other wallets for payments. However, cashback will not apply on wallet loads.
Use the card consistently and maintain timely bill payments. You can request a limit enhancement via the Axis Bank app, net banking, or customer care after 6–12 months.
Login to your Axis Bank mobile app or net banking. The current credit limit is visible on your dashboard.
Yes, especially if you shop online often. Jump to Pros & Cons ↓
The card doesn’t provide cashback on fuel, EMI, or wallet spends. Also, it’s ideal only for users who shop at supported brands — not a great fit for luxury or travel perks.
Your due date is typically 18–21 days after your statement is generated. You can pay using the Axis Bank app, UPI, net banking, or even via third-party apps like CRED and Paytm.
It usually takes 5–7 working days after approval for the card to be delivered.
🧑💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia | 📆 Last updated: May 2025
If you frequently shop on Flipkart, Myntra, or order food via Swiggy, the Flipkart Axis Bank Credit Card offers one of the highest direct cashback rates in its category — making it a top pick among best credit cards for online shopping in India.
With up to 5% cashback on Flipkart and Myntra, 4% on partner brands like Swiggy, Uber, and PVR, plus 1% on other spends — this card can help you earn ₹6,000–₹8,000 in annual cashback if used strategically.
✅ Bottom Line: If your spending pattern revolves around online shopping, food delivery, and daily digital transactions, the Flipkart Axis Bank Credit Card is a high-value, low-maintenance cashback credit card in 2025 — easily justifying its ₹500 fee with real, auto-credited savings.
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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