Flipkart Axis Bank Credit Card : Review 2024

The Flipkart Axis Bank Credit Card is one of the most popular cashback cards in India, specifically designed for avid online shoppers who regularly use platforms like Flipkart and Myntra. Launched in partnership between Axis Bank and Flipkart, this card offers a plethora of benefits including cashback, lounge access, and more, making it a lucrative option for those seeking value on everyday expenses.

In this blog, we’ll cover all the essential aspects of the Flipkart Axis Bank Credit Card, including features, fees, eligibility criteria, and more. Let’s dive in.

Key Features and Benefits of Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card offers a range of impressive benefits:

1. Cashback on Flipkart and Myntra: Enjoy 5% unlimited cashback on Flipkart and Myntra purchases​.
2. Cashback on Preferred Merchants: Get 4% cashback at preferred merchants such as Swiggy, PVR, Uber, and Cleartrip​.
3. General Cashback: Earn 1.5% cashback on all other offline and online purchases.​
4. Lounge Access: Avail of 4 complimentary domestic airport lounge visits per year (1 per quarter)​.
5. Fuel Surcharge Waiver: A 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per month​.

Additional Benefits

• Unlimited Cashback: The card offers no upper limit on cashback earnings, making it a perfect fit for heavy spenders​.
• Welcome Offers: Cardholders get ₹500 Flipkart vouchers upon joining, plus special discounts from Swiggy and Myntra​.

Who Should Get This Card?

The Flipkart Axis Bank Credit Card is ideal for those who:

• Regularly shop on Flipkart and Myntra.
• Want cashback on lifestyle-related spending such as movies, food, and travel.
• Are looking for a card with low annual fees and significant cashback rewards.

Flipkart Axis Bank Credit Card Eligibility Criteria

To apply for the Flipkart Axis Bank Credit Card, applicants must meet the following requirements:

Flipkart Axis Bank Credit Card Fees and Charges

Here is a breakdown of the key fees and charges associated with the Flipkart Axis Bank Credit Card.

Benefits of the Flipkart Axis Bank Credit Card in Detail

Let’s explore the benefits in more detail:

1. Unlimited Cashback

The unlimited cashback feature means there’s no limit to the amount of cashback you can earn. This feature is especially useful for those who make frequent high-value transactions.

2. Complimentary Airport Lounge Access

Frequent domestic flyers will appreciate the 4 complimentary lounge visits per year. This benefit adds a touch of luxury to your travel​.

3. Fuel Surcharge Waiver

For those who commute regularly, the 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 provides significant savings on fuel purchases​.

4. Welcome Offers

Cardholders can enjoy exciting welcome offers, such as ₹500 Flipkart e-Gift vouchers and discounts on Myntra and Swiggy​

How to Use the Flipkart Axis Bank Credit Card

Maximizing your cashback earnings is easy with the Flipkart Axis Bank Credit Card. Here are a few tips:

• Use it for all your Flipkart and Myntra purchases to earn the highest cashback rate of 5%.
• Book movie tickets, travel, and order food from partners like Swiggy, Cleartrip, and Uber to earn 4% cashback.
• For all other transactions, you still get 1.5% cashback without any upper limit​.

How to Apply for the Flipkart Axis Bank Credit Card

Applying for the card is simple and can be done online. Here’s how:

1. Visit the official Axis Bank website or the Flipkart app.
2. Check your eligibility and fill out the application form.
3. Submit necessary documents such as your PAN card, proof of address, and proof of income​.
4. Complete the KYC process, which can also be done online via video verification.

Flipkart Axis Bank Credit Card FAQs

1. What is the cashback rate on Flipkart and Myntra purchases?

You earn 5% unlimited cashback on all purchases made on Flipkart and Myntra​.

2. Are there any annual fee waiver conditions?

Yes, the annual fee of ₹500 is waived off if your yearly spending exceeds ₹2,00,000​.

3. Can I use the card for fuel purchases?

Yes, you can use it for fuel purchases, and a 1% surcharge waiver is applicable on transactions between ₹400 and ₹4,000​.

4. Does the Flipkart Axis Bank Credit Card offer any lounge access?

Yes, you get 4 complimentary domestic airport lounge visits every year (1 per quarter)​.

5. How do I earn cashback on other merchants?

You earn 4% cashback on partner merchants like Swiggy, Uber, PVR, and Cleartrip​.

6. Is there a limit on how much cashback I can earn?

No, there is no upper limit on cashback earnings, making this card ideal for heavy spenders​.

7. What is the foreign currency transaction fee?

The foreign currency transaction fee is 3.5% of the transaction amount​.

8. What documents are required to apply for the Flipkart Axis Bank Credit Card?

You will need a PAN card, proof of address, and proof of income (salary slips or bank statements)​.

9. What is the interest rate on unpaid dues?

The interest rate on unpaid dues is 3.6% per month, which amounts to 52.86% per annum​.

10. Can I get an add-on card, and is there any fee for it?

Yes, you can get add-on cards at no additional cost, as there is no add-on card fee​.

By carefully evaluating its features, fees, and cashback structure, the Flipkart Axis Bank Credit Card is a highly competitive cashback card, particularly suited for those who frequently shop online. With benefits like unlimited cashback and complimentary lounge access, this card is a valuable tool for savvy spenders looking to maximize their returns on daily expenses.

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Author - Abhishek Sonawane

Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.