Credit Card

Flipkart Axis Bank Credit Card Review

Flipkart Axis Bank Credit Card Review

Welcome Benefits

  • ₹ 500 Flipkart Voucher
  • 15% Cashback upto ₹ 500 on 1st Myntra transaction
  • 50% discount upto ₹ 100 on 1st Swiggy transaction


  • Joining Fee: ₹ 500
  • Annual Fees: ₹ 500 (waived off if annual spend is ₹ 3.5 lakhs or more)


  • 5% cashback on all purchases on Flipkart.
  • 4% cashback on Swiggy, Uber, PVR, TataPlay, Cute.Fit and Cleartrip.
  • 1.5% cashback on Myntra and all other transactions (except Rent, Utility bills, Wallet Load, Fuel).
  • 1% Fuel Surcharge waiver.
  • 4 Domestic Lounge visits per year.

No cashback on the following payments

  • Rental bills (house / office rent)
  • Fuel expenses
  • Insurance premiums
  • Education (school, college fees etc.)
  • Utility bills (electricity, water, gas etc.)
  • Wallet Load
  • Purchases converted to easy-monthly-installment (EMI).
  • Cash advance
  • Gift cards
  • Purchase of Gold

Positives of Flipkart Axis Bank Credit Card

  • Great card for shopping online on Flipkart.
  • Good rewards on other popular service providers like Swiggy, Uber, PVR and Cleartrip.
  • Most entry-level cards do not provide Airport lounge access, this card gives you 4 per year (1 per quarter).
  • No limit on cashback.
  • Unlike ICICI Amazon Credit Card which requires Amazon Prime account for 5% cashback, you do not need a premium account on Flipkart to get 5% cashback.

Negatives of Flipkart Axis Bank Credit Card

  • The July 2023 devaluation has significantly reduced the value of the card.
  • Only 1.5% cashback on Myntra, down from 5%.
  • For an entry-level card, the 3.5 lakh spend for card-fee waiver is too high. Most people who own the card cannot spend nearly ₹ 30,000 per month.
  • If you shop more on Amazon, the ICICI Amazon Credit Card is a better option.

Is it worth getting the credit card?

If you shop regularly on Flipkart – the answer is yes, the card is worth it. Spending ₹ 10,000 in a year (₹ 850 per month), gives you cashback of ₹ 500 – which covers the annual card fees of ₹ 500.

If you also happen to use Swiggy for food delivery and Uber for commuting in your city – the card will end up saving you quite a bit of money.

Previously, the card offered 5% cashback on purchases made on Myntra. In July 2023, the Flipkart Axis Bank Credit card was devalued, and it now offers only 1.5% cashback on Myntra.

Flipkart Axis Bank Credit Card Credit Limit and Eligibility

The Flipkart card is Axis Bank’s entry level credit card. Almost all applicants with a decent credit score will get approval for the card. The credit limit depends on your income – usually three times your monthly salary.

The minimum credit limit is ₹ 25,000.

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