Axis Bank
Axis Bank Flipkart credit card is a co-branded cashback card launched in partnership with Flipkart Group, India's largest e-commerce company. With 5% cashback on Flipkart and Myntra purchases (India's two largest fashion and general e-commerce platforms), capped at ₹1,500 per month, the card delivers exceptional value for regular online shoppers within the Flipkart Group ecosystem. For a household spending ₹30,000 per month on Flipkart and Myntra (electronics, fashion, home, groceries, and daily essentials are all available on Flipkart), the 5% cashback translates to ₹1,500 per month or ₹18,000 per year — a remarkable return that dwarfs the ₹500 annual fee. The ₹1,500 monthly cap is reached at ₹30,000 of Flipkart/Myntra purchases, meaning the card provides maximum benefit up to that threshold. The welcome Flipkart gift voucher of ₹500 — provided upon payment of the ₹500 joining fee — effectively makes the first year free. This is an exceptional welcome offer for a card with such a low annual fee structure. Beyond Flipkart and Myntra, the card earns 1.5% cashback on grocery and supermarket spends, 1% on dining and food delivery, and 0.5% on all other transactions. The 1% fuel surcharge waiver at BPCL pumps adds a modest saving for commuters. The card requires a minimum annual income of ₹2 lakhs and is available to individuals aged 21-55 years. The ₹50,000 annual spending threshold for annual fee reversal is approximately ₹4,167 per month — easily achievable for most working individuals. Source: Axis Bank official website, updated May 2026.
| Feature | Details |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
The Axis Bank Flipkart from Axis Bank is a an annual fee of ₹500 credit card aimed at Indian consumers who want a clear rewards-plus-lifestyle proposition without paying for an invite-only metal card.
Who should consider the Axis Bank Flipkart
Pick the Axis Bank Flipkart if you are a salaried professional earning ₹8 LPA or more, or a self-employed applicant with a stable ITR history of two years or longer, and you typically spend ₹40,000–₹80,000 a month on retail purchases. The card's reward structure works best when the majority of your monthly swipe volume is concentrated in accelerated categories such as dining, groceries, fuel, or travel booked through the issuer's portal. Frequent flyers who already pay for at least four domestic lounge visits a year will get the most out of the included lounge access, while shoppers who use UPI for most transactions should be aware that most banks still cap reward points on UPI spends at a lower rate.
Who should look elsewhere
If you are an early-career professional with under ₹5 LPA in declared income, prefer a lifetime-free starter card (such as an entry-level RuPay variant) and revisit the Axis Bank Flipkart after one full financial year of stable income. Travellers who redeem most of their points for international flights will likely find a dedicated travel card with milestone-based foreign-currency benefits more rewarding. Finally, if you regularly carry a balance from month to month, the Axis Bank Flipkart (and credit cards in general) are an expensive borrowing tool at industry-standard 36–42% annualised interest — a small personal loan is almost always cheaper for sustained debt.
How we picked it for our shortlist
Our editorial team only considers cards whose issuers are RBI-licensed and publish their schedule of charges in the public domain. We score the Axis Bank Flipkart on five axes — annual fee versus benefits, reward rate, lounge and travel benefits, customer service responsiveness, and digital experience (mobile app, controls, instant card freeze). When the issuer changes pricing, we re-test the card and update this page within seven working days. The full methodology lives in our editorial policy.
Bottom line
The Axis Bank Flipkart is a sensible mid-tier rewards card for someone who pays their statement in full every month and uses the welcome benefit, lounge access, and accelerated rewards with intention. If your spending profile does not match the card's reward map, a more focused card will always deliver better net value.
| Feature | Axis Bank FlipkartAxis Bank | American Express Membership RewardsAmerican Express | Axis Bank AtlasAxis Bank | HDFC Bank Diners Club BlackHDFC Bank |
|---|---|---|---|---|
| Issuer | Axis Bank | American Express | Axis Bank | HDFC Bank |
| Joining Fee | ₹500 | ₹2,500 | ₹2,500 | ₹2,500 |
| Annual Fee | ₹500 | ₹4,500 | ₹5,000 | ₹10,000 |
| Interest Rate | — | — | — | — |
| Reward Rate | [object Object]% | [object Object]% | [object Object]% | [object Object]% |
| Lounge Access | Yes | Yes | Yes | Yes |
| Rating | — | — | — | — |
Have these ready before you start the online application. Most issuers verify digitally through CKYC and video-KYC, so physical copies are rarely needed.
Review the eligibility criteria above and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.
If you spend ₹50,000/month on this card, EMI for ₹60,000 over 12 months ≈ ₹6,027.73/month at 36% p.a.
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