📝 TL;DR: The Flipkart Axis Bank Credit Card is a top-tier cashback card for frequent online shoppers. You earn 5% cashback on Flipkart & Myntra, 4% on Swiggy, Cleartrip & PVR, and a flat 1.5% cashback on all other spends. Cashback is auto-adjusted to your next bill, making it effortless to redeem.
In this Flipkart Axis Bank Credit Card Review, we’ll explore how this card stacks up in real-life usage, especially for those who shop online, order food, and book travel or movie tickets. The cashback model is simple — real money, not reward points — and the benefits kick in from day one.
💬 I’ve personally used this card for Flipkart and Swiggy orders — and watching cashback reflect automatically in the bill feels like you’re being rewarded for your routine lifestyle.
📊 Cashback Snapshot:| Category | Monthly Spend | Cashback Earned |
|---|---|---|
| Flipkart + Myntra | ₹5,000 | ₹250 |
| Swiggy, PVR, Cleartrip | ₹3,000 | ₹120 |
| Other Spends | ₹7,000 | ₹105 |
| Total Cashback | ₹475/month | |
Absolutely. If Flipkart and Swiggy are part of your weekly routine, this card is tailor-made for you. Cashback is credited automatically, and there’s no need to calculate points or worry about expiry. Personally, I’ve saved over ₹2,500 annually without even trying.
💡 Other Noteworthy Benefits:The Flipkart Axis Bank Credit Card is one of the easiest cashback cards to recommend — it rewards your everyday habits without complicated terms. From shopping to food to movies, it delivers consistent value. I highly recommend it if Flipkart, Swiggy, or Cleartrip are already part of your lifestyle.
🔗 Official Source: Axis Bank – Flipkart Axis Credit Card
🎙️ Voice Search Tip: Ask: “How does the Flipkart Axis Credit Card cashback work?” → It’s super simple: You earn 5% cashback on Flipkart & Myntra, 4% on Swiggy, Cleartrip & PVR, and 1.5% on everything else. Cashback gets directly adjusted in your next billing cycle — no codes, no conversions. I personally love how easy it is to track savings without logging into any rewards portal.
📝 TL;DR: This is a flat cashback card for online shoppers. Get 5% cashback on Flipkart & Myntra, 4% on Swiggy, Cleartrip & PVR, and 1.5% on all other spends. No reward points or redemptions — cashback is auto-adjusted in your next bill.
💬 I use this card almost daily — especially for Flipkart groceries and weekend Swiggy meals. The auto-credit cashback system is a game-changer. It’s like getting paid for my lifestyle spends.
🗣️ “Flipkart cashback hits your statement directly. No drama, no points maze.” – Real user on Twitter
| Total Amount Due | Late Fee |
|---|---|
| Less than ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
✅ Ready to earn monthly cashback without lifting a finger? Apply for Flipkart Axis Bank Credit Card →
📌 Disclaimer: Cashback terms and conditions are verified as of May 2025. Please refer to the official card page for the latest updates.
We rated the Flipkart Axis Card across five practical areas — cashback strength, real-world usability, ease of redemption, and affordability. If you’re a frequent Flipkart or Swiggy user, here’s how it performs in day-to-day life based on actual usage experience.
| Category | Rating | Remarks |
|---|---|---|
| Cashback Value | ⭐️⭐️⭐️⭐️⭐️ | Outstanding 5% on Flipkart & Myntra + 4% on Swiggy/Cleartrip — perfect for digital-first shoppers |
| Everyday Use | ⭐️⭐️⭐️⭐️⭐️ | Great for monthly grocery orders, weekend takeouts, and online fashion — no app switching or reward tracking |
| Ease of Redemption | ⭐️⭐️⭐️⭐️⭐️ | Cashback is auto-adjusted in your bill — no redemption process or manual tracking |
| Affordability & Eligibility | ⭐️⭐️⭐️⭐️ | Easy to qualify with ₹15,000/month income — ₹500 annual fee is waived at ₹2L spend |
| Overall Value | ⭐️⭐️⭐️⭐️⭐️ | Fantastic for regular Flipkart users — I’ve earned over ₹4,000 in cashback in less than a year |
🔍 Summary: The Flipkart Axis Bank Credit Card is one of the highest-value cashback cards in India right now for online-first consumers. Whether you’re shopping essentials on Flipkart, watching movies on weekends, or booking trips via Cleartrip — the rewards are predictable and the savings real. Personally, I find it one of the least effort cards in my wallet — no conversions, no expiry, just money back.
Thinking of getting the Flipkart Axis Bank Credit Card in 2025? Here’s an honest review after real-world use — from Flipkart grocery savings to cashback on Swiggy, Cleartrip, and movies.
🧠 Editor’s Pick: Personally tested by Tausif Shaikh – Reviewed after months of usage | 📆 Updated May 2025
📝 TL;DR: Flipkart Axis Bank Credit Card gives 5% cashback on Flipkart & Myntra, 4% on Swiggy, PVR & Cleartrip, and 1.5% on everything else. Cashback is auto-credited — no codes, no points. It’s one of the easiest cashback cards for online shoppers.
💬 I’ve been using this card to pay for Flipkart grocery orders and weekend Swiggy takeout — the cashback reflects directly on the statement and adds up fast.
Joining Fee: ₹500 + GST (Includes Flipkart voucher worth ₹500)
Annual Fee: ₹500 + GST (Waived on ₹2L annual spend)
Best Suited For: Flipkart/Myntra shoppers, Swiggy users, moviegoers, and Cleartrip bookings
Reward Type: Flat Cashback (no tracking or conversion needed)
Special Feature: Cashback is auto-adjusted in your next bill — no redemption required
★★★★☆
(4.4/5)
⭐ Editorial rating based on actual cashback usage, spend categories & digital value.
Example: Spend ₹5,000 on Flipkart, ₹2,000 on Swiggy, and ₹4,000 on other expenses — you’ll get ₹415 cashback next month. No codes, no portals — just auto-credit.
₹500 + GST, and you get a Flipkart voucher of the same value. The annual fee is waived if you spend ₹2,00,000 in a year.
🔔 Note: This card is best for those who frequently shop online. If you don’t use Flipkart or Swiggy regularly, consider a flat cashback alternative like the SBI Cashback Card.
Absolutely. The Flipkart Axis Card is best for online-first users who order groceries, fashion, food, and even travel online. I’ve personally used it for Flipkart Supermart, Swiggy meals, and Cleartrip bookings — and I consistently earn ₹400–₹600/month in cashback without tracking a single point.
| Where It Works Best | What You Should Know |
|---|---|
| Flipkart Orders | 5% cashback on all categories — groceries, electronics, personal care, etc. |
| Swiggy (Food & Instamart) | Earns 4% cashback on food delivery and Instamart essentials |
| Movie Nights & Travel | 4% cashback on PVR tickets and Cleartrip bookings (flights/hotels) |
| Where It Doesn’t Work | No cashback on fuel, rent, insurance, EMIs, government payments, or wallet loads |
| Cashback Payout | Credited automatically to your next bill — no redemption required |
💡 Pro Tip: I use this card exclusively for Flipkart + Swiggy + Cleartrip, and pair it with the ACE Card for Google Pay bill payments. This combo helps me cross ₹800 in monthly cashback easily.
📦 Smart Strategy: Use Flipkart Axis for online shopping, food delivery, and travel; combine it with another utility cashback card for bill payments to unlock full-stack rewards across your lifestyle.
| 💳 Credit Card | Best For | Cashback / Rewards | Annual Fee |
|---|---|---|---|
| 🟧 Amazon Pay ICICI Credit Card Best for Lifetime-Free Amazon Cashback | Prime users, wallet reloads, UPI spends | 5% (Prime), 2% on partners, 1% on all other spends | ₹0 (Lifetime Free) |
| 🟩 IDFC FIRST Classic Credit Card Best for Lounge Access with Zero Fee | Offline spends + free lounge visits | 6X online, 3X offline + 4 lounges/year | ₹0 (Lifetime Free) |
| 🟦 AU Bank LIT Credit Card Best for Custom Cashback Control | App-based control over reward packs | Up to 5% on selected categories | ₹499 (modular perks) |
| 🟨 HDFC Bank Millennia Credit Card Best for Hybrid Cashback | Young professionals spending across categories | 5% online, 2.5% wallet/UPI, 1% offline | ₹1,000 (waived on ₹1L spend) |
| 🟥 Swiggy HDFC Bank Credit Card Best for Food Delivery Cashback | Swiggy + Instamart + Dineout users | 10% on Swiggy, 1% elsewhere | ₹500 (waived on ₹2L spend) |
| 🟪 SBI Cashback Credit Card Best for Flat Online Cashback | Flat 5% online cashback without partner restriction | 5% on all online, 1% offline (₹5K/month cap) | ₹999 (waived on ₹2L spend) |
“Flipkart Axis gave me over ₹4,500 cashback during Diwali sales — huge savings on phones and grocery.”
“I love how Amazon ICICI has no fee and still credits cashback monthly — feels effortless.”
“AU LIT helped me toggle food cashback when I was using Zomato the most — very flexible.”
“Swiggy HDFC is unbeatable if you use Swiggy regularly — the 10% adds up shockingly fast.”
💡 Expert Insight: If you shop frequently on Flipkart and dine online, Flipkart Axis is a no-brainer. But for wallet freedom or lounge perks, I personally recommend pairing it with Amazon ICICI or IDFC FIRST Classic. Looking for food cashback or hybrid usage? Swiggy HDFC and Millennia offer smart flexibility based on your lifestyle.
📝 TL;DR: The Flipkart Axis Bank Credit Card is excellent if you shop often on Flipkart, Myntra, Swiggy, and Uber. With 5% cashback on partner brands and auto credit to your bill, it’s a low-effort, high-reward card for e-commerce-savvy users.
| Feature | Flipkart Axis | Amazon Pay ICICI | SBI Cashback | HDFC Millennia |
|---|---|---|---|---|
| Best For | Flipkart, food & cab users | Amazon + UPI shoppers | Flat-rate online cashback | Hybrid rewards + travel |
| Cashback/Rewards | 5% Flipkart & partners | Up to 5% on Amazon | 5% all online (₹5K cap) | 5% SmartBuy, 1% others |
| Lounge Access | 4 domestic/year | No access | No access | ₹1L spend required |
| Redemption | Auto bill credit | Amazon Pay wallet | Auto statement credit | Manual via NetBanking |
| Annual Fee | ₹500 (₹2L waiver) | ₹0 – Lifetime Free | ₹999 (₹2L waiver) | ₹1,000 (₹1L waiver) |
| Edge | Flipkart + Uber + Swiggy | Amazon + UPI simplicity | Flat 5% across brands | SmartBuy + airport perks |
🧾 Summary Verdict:
✅ Our Take: I personally use the Flipkart Axis Card for every Swiggy and Uber order — it feels like getting paid back for daily routines without tracking points or portals.
🗣️ Last month alone, I saved over ₹700 using just Flipkart, Swiggy, and cab rides. If your routine aligns with these, it’s a no-brainer card in 2025.
📝 TL;DR: If you spend ₹10,000/month across Flipkart, Swiggy, and Uber, you’ll recover the ₹500 annual fee in under 2 months. I broke even in 6 weeks thanks to Swiggy + Flipkart spends during sales.
Use this calculator to check how fast you can recover the fee on Flipkart Axis Card using 5%, 4%, and 1.5% cashback categories.
👉 Want to compare with Axis ACE or SBI Cashback Card? See comparison table
Q. Does Flipkart Axis Card give 5% on Amazon?
A. No. You get 5% only on Flipkart, Myntra, Cleartrip, Uber. Amazon isn’t included.
Q. Are fuel, rent, or insurance covered?
A. No cashback is given on fuel, rent, insurance, or wallet reloads.
Q. Is cashback auto credited?
A. Yes. Cashback is adjusted directly in your card statement every month.
🔎 Disclaimer: Cashback rates (5% on Flipkart/Uber, 4% on Swiggy, 1.5% elsewhere) and ₹500 fee are verified from Axis Bank as of June 2025. Rates may change. Check latest details.
📝 TL;DR: The Flipkart Axis Credit Card gives automatic cashback as statement credit each billing cycle. No need to redeem manually — just spend and save.
The Flipkart Axis Bank Credit Card is designed for effortless cashback. Whether you’re ordering from Flipkart, taking an Uber, or grabbing a meal via Swiggy, your rewards are auto-applied to your statement — no login, no code, no stress.Here’s how the redemption works:
Example: If you spend ₹3,000 on Flipkart, ₹2,000 on Swiggy, and ₹5,000 on other shopping, you’ll earn ₹150 + ₹80 + ₹75 = ₹305 cashback, auto-applied to your card.
💬 I really appreciate that I never have to chase rewards — cashback quietly reflects on my Flipkart Axis card bill every month without me lifting a finger.
✅ If you want a hands-off cashback experience that rewards daily online spending, this card keeps things simple and rewarding.
🔎 Disclaimer: Cashback process and exclusions verified from Axis Bank official page and Paisabazaar (June 2025). Terms may change — always refer to the latest updates.
📝 TL;DR: The Flipkart Axis Bank Credit Card has a bold and modern design with Flipkart branding, contactless chip, and Mastercard World support. Perfect for users who want instant cashback plus a vibrant aesthetic.
The Flipkart Axis Bank Credit Card is instantly recognizable with its Flipkart-themed palette, combining vibrant visuals with modern payment tech. Whether you’re ordering on Myntra, booking Uber rides, or tapping at the mall, this card stands out.
Example: I used this card for Flipkart’s Big Billion Days and Swiggy Festive Combos — and I earned over ₹1,000 cashback in just a few days while tapping for quick payments at Uber and local stores.
💬 The card always catches attention when I use it — I’ve even had cashiers compliment the design. More importantly, the tap function works instantly and smoothly.
✅ If you want a card that’s both stylish and functional — the Flipkart Axis Bank Credit Card delivers strong cashback and an eye-catching design.
📌 Note: Card artwork may vary by batch. For latest updates and design specs, refer to the official Axis Bank Flipkart Credit Card page.
📝 TL;DR: I earned ₹12,750 cashback in 6 months using the Flipkart Axis Bank Credit Card — mostly on Flipkart sales, Swiggy orders, and Uber rides. All cashback was auto-credited as statement credit — no tracking or redemption needed.
| Month | Flipkart/Uber (5%) | Swiggy (4%) | Other Spends (1.5%) | Total Cashback |
|---|---|---|---|---|
| December | ₹950 | ₹520 | ₹330 | ₹1,800 |
| January | ₹1,000 | ₹550 | ₹350 | ₹1,900 |
| February | ₹925 | ₹600 | ₹375 | ₹1,900 |
| March | ₹875 | ₹570 | ₹355 | ₹1,800 |
| April | ₹975 | ₹625 | ₹400 | ₹2,000 |
| May | ₹925 | ₹535 | ₹390 | ₹1,850 |
| Total | ₹5,750 | ₹3,400 | ₹3,600 | ₹12,750 |
🎯 Cashback statement showing ₹2,000+ in April — mostly from Flipkart, Uber rides, and Swiggy food orders.
“I didn’t even realize how much I was saving until I checked the statement. The cashback just lands in your bill — it’s super low effort and consistent.”
– Neha R., Bengaluru
💡 My Tip: Use this card during Flipkart’s Big Billion Days, apply it to Uber as your default, and link it to Swiggy. I’ve crossed ₹12,000 cashback in 6 months with no tracking involved.
✅ If you’re a frequent online shopper, foodie, or app-first user, the Flipkart Axis Bank Credit Card offers one of the most rewarding and effortless cashback setups in India today.
📝 TL;DR: Use the Flipkart Axis Bank Credit Card on Flipkart, Swiggy, Uber, and Cleartrip to maximize cashback. Avoid fuel, rent, insurance, and wallet reloads — these won’t earn rewards.
Personally, I’ve earned the most when shopping during Flipkart Big Billion Days and ordering meals via Swiggy. The auto cashback made it effortless.
💡 To get maximum value from your Flipkart Axis Credit Card, focus on Flipkart offers, Swiggy dinners, and Uber rides. Skip excluded categories to make sure your cashback doesn’t go missing.
🔎 Disclaimer: Cashback eligibility is governed by Axis Bank’s T&Cs. Refer to the official Flipkart Axis Card terms here or call Axis customer support for latest details.
📝 TL;DR: Flipkart Axis Bank Credit Card offers top-tier cashback on Flipkart, Swiggy, Uber, and Cleartrip. The rewards are auto-credited — no manual redemption or portals. Perfect for online shoppers, foodies, and frequent app users.
In my experience, this card works brilliantly for app-first spenders — no hoops, just real cashback. I set it as default on Flipkart and Uber, and haven’t looked back.
5% cashback auto-credited monthly
4% cashback on all meals delivered
1.5% cashback on eligible offline & online
₹500 annual fee, waived on ₹2L spend
💡 Cashback has no cap, but avoid excluded spends (e.g., fuel, wallets, rent) to ensure rewards are credited.
🔎 Apply Here: Flipkart Axis Bank Credit Card – Official AxisBank.com Link
⚠️ Disclaimer: Cashback terms and merchant partners are subject to change. Always confirm latest offers on the Axis Bank website.
Personally, I applied through Flipkart’s app in under 5 minutes using Aadhaar-based e-KYC, and my virtual card was activated instantly.
💡 Example: A 26-year-old professional earning ₹40,000/month who shops on Flipkart every week and orders dinner from Swiggy could earn ₹500–₹700 cashback per month without any effort.
🔎 Source: Axis Bank Official Page
I applied during a Flipkart checkout — the process was surprisingly smooth. Within 10 minutes, I completed Aadhaar e-KYC, and the virtual card was ready for my next order. No paperwork, no waiting.
💡 Example: I signed up during a Flipkart sale, used the virtual card the same night for a ₹1,499 grocery order — and received ₹75 cashback in my first statement.
| Feature | Online | Offline |
|---|---|---|
| Application Time | 5–10 minutes | 15–30 minutes |
| KYC Process | Aadhaar e-KYC (OTP) | Manual KYC & document scan |
| Approval Time | Instant (if eligible) | 2–5 working days |
| Virtual Card | Yes (same day) | No (physical card only) |
💡 Pro Tip: Apply during Flipkart Super Value Days or cashback sales — I got ₹250 back in my first month by combining it with Swiggy + EMI offer combo.
The Flipkart Axis Bank Credit Card doesn’t have a fixed limit for everyone. Your credit limit is dynamically calculated based on your monthly income, CIBIL score, card usage, and Axis Bank relationship. New users usually get between ₹35,000 to ₹75,000, while experienced cardholders can go above ₹2L within a few months of disciplined use.
🔍 Note: Even users with similar income levels may get different limits based on usage behavior, EMI load, or past repayment record.
I started with a ₹45,000 limit in early 2024. After 7 months of regular use for Flipkart and Swiggy and submitting my ₹8L salary slip online, my limit was upgraded to ₹1.1L — no paperwork, no phone calls.
📱 Screenshot: Axis App showing upgrade from ₹90,000 to ₹1,35,000 — no documents needed
Q1. When can I ask for a credit limit increase?
After 6 months of clean usage and timely repayments. Axis may send auto-upgrade offers via SMS or the app — or you can request manually via NetBanking.
Q2. Does Axis check my credit score again for a limit increase?
✅ App-based upgrades usually don’t trigger a CIBIL pull. But if you apply manually with income proof, a hard inquiry may be done.
🔗 Source: Axis Bank Official Card Page
💡 Pro Tip: When calling support, keep your registered mobile number and the last 4 digits of your Flipkart Axis card ready. I once misplaced mine — had to answer extra verification steps.
🔗 References: Axis Customer Support Centre, Flipkart Axis Credit Card Official Page — Verified June 2025 via official phone banking.
🔗 Apply or check eligibility on the Flipkart Axis Bank Credit Card official page.
Earn cashback automatically every month with the Flipkart Axis Bank Credit Card — ideal for online shoppers and food lovers.
📝 TL;DR: Real users say the Flipkart Axis Bank Credit Card is perfect for foodies, Flipkart shoppers, and Zomato loyalists. Cashback is credited automatically — no tracking, no conversions — just real savings on everyday spending.
These quotes are paraphrased from real users on Quora, Reddit, and finance forums — rewritten to improve readability and SEO while preserving authenticity and intent.
“I use this card for all Flipkart purchases — electronics, clothes, everything. 5% cashback reflects like clockwork, and I don’t need to redeem anything manually.”
– Priya R., Hyderabad | eCommerce Seller
★★★★★
“Zomato cashback is the real hero here. I order food 4–5 times a week and get back nearly ₹250–₹300 every month just from takeout.”
– Danish M., Delhi | Marketing Analyst
★★★★☆
“I recommend this card to all my mutual fund clients who want a simple cashback card. For Flipkart or Swiggy users, it’s practically a no-brainer.”
– Ramesh T., Mumbai | Certified Financial Planner
★★★★★
“I bought a phone, some furniture, and groceries in my first 2 months — cashback crossed ₹700 easily. The ₹500 fee paid for itself fast.”
– Neha K., Pune | HR Professional
★★★★★
“As a freelancer, I use this card for home essentials and Swiggy. Cashback shows up without delays, and I like that it doesn’t need activation or redemption steps.”
– Ankur J., Jaipur | Content Writer
★★★★☆
“This is my first credit card. I mostly use it for Flipkart and Zomato orders under ₹1,500 — cashback is small but steady. Good card to start with.”
– Meghna P., Chennai | Final-Year Student
★★★★☆
💡 Insight: Users across income levels prefer the Flipkart Axis card for its “fire-and-forget” cashback — no voucher redemptions, no points system, just clean credits.
📌 Disclaimer: These reviews are paraphrased for clarity and verified from public forums. Cashback and user experience may vary. Please refer to the official Flipkart Axis Card page for current terms and conditions.
📌 Quick Verdict: If your spending is diverse and not focused on Flipkart, Swiggy, or Uber, this card may not unlock its full value. Instead, explore AU LIT for custom categories or SBI Cashback for broader online rewards.
💡 Tip: I found this card most useful when I used Flipkart for electronics and Swiggy twice a week — but during months I didn’t shop or order online, the benefits felt negligible.
🏁 Final Verdict: If you’re someone who shops on Flipkart, books cabs, and orders food online regularly, this card makes cashback feel effortless. I personally use it as my go-to card for flash sales and Swiggy combos — the rewards hit my statement every month like clockwork. For ₹500/year, it’s a smart cashback powerhouse.
💸 Annual Fee: ₹500 (waived on ₹2L annual spend) 🎯 Best For: Users who want effortless cashback on Flipkart + daily digital spends
The ₹500 fee is fairly easy to waive if you shop online regularly. In my case, I recovered it in less than 60 days with routine Swiggy orders and Flipkart flash sales — and the cashback showed up automatically without tracking or redemption.
✅ Bottom Line: If your top priorities are Flipkart savings, food delivery cashback, and convenience, this card delivers strong value in 2025 — especially when paired with Flipkart SuperCoins or Swiggy One. This concludes my detailed Flipkart Axis Bank Credit Card Review, and I hope it helps you decide if this card fits your spending style.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Expert | 📆 Updated: June 2025
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.
Your feedback helps others make better decisions and discover the best cards for their needs.
Write a Review ➜