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Axis Bank
Flipkart Axis Bank Credit Card
- Joining fee incl. GST
- ₹590
- Renewal fee incl. GST
- ₹590
- Conditional welcome value
- Up to ₹250
- Forex markup
- 3.5%
- Interest p.a.
- 55.55%
- Min income (salaried)
- —
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Flipkart voucher requires a transaction within 30 days and payment of the first-year fee. Not available with first-year-free issuance; Swiggy has separate first-user conditions.
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Estimates assume uniform quarterly spending and omit transaction rounding; account-specific joining offers must be checked.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Online shopping Only the qualifying merchants or payment route below 7.5% on eligible Myntra purchases; ₹4,000 cashback ceiling for this merchant per statement quarter. No cashback above this ceiling. | 7.5% | ₹4,000 reward / quarter |
Online shopping Only the qualifying merchants or payment route below 5% on eligible Flipkart purchases; ₹4,000 cashback ceiling for this merchant per statement quarter. No cashback above this ceiling. | 5% | ₹4,000 reward / quarter |
Travel Only the qualifying merchants or payment route below 5% on eligible Cleartrip purchases; ₹4,000 cashback ceiling for this merchant per statement quarter. No cashback above this ceiling. | 5% | ₹4,000 reward / quarter |
Dining Only the qualifying merchants or payment route below 4% only at the named preferred partner. Swiggy qualification covers food delivery, not every Swiggy service. | 4% | No category cap |
Travel Only the qualifying merchants or payment route below 4% cashback on eligible Uber payments, with the card used directly for the qualifying purchase. | 4% | No category cap |
Entertainment Only the qualifying merchants or payment route below 4% cashback on eligible PVR and Cult.fit purchases. Other cinema or entertainment merchants do not automatically qualify. | 4% | No category cap |
Other eligible purchases 1% on other eligible purchases. | 1% | No category cap |
Excluded from ordinary earning: Fuel, Rent, Utilities & bills, Insurance, Education. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Key benefits
- 5% cashback on Flipkart & Cleartrip (Rs.4,000/quarter cap per merchant)
- 7.5% cashback on Myntra (Rs.4,000/quarter cap)
- 4% cashback on preferred partners (Swiggy, Uber, PVR, Cult.fit)
- 1% cashback on other eligible purchases
- 1% fuel surcharge waiver (Rs.400-Rs.4,000, max Rs.400/month)
- Dining discounts via Axis Bank Dining Delights
- Complimentary lounge access discontinued (2024 devaluation)
- Axis is currently showing ₹NIL joining fee on the product page as a limited-period offer; the ₹500 second-year annual fee and its ₹3,50,000 waiver are unchanged
What we like
- +5% cashback on Flipkart and 7.5% on Myntra
- +Low annual fee with spend-based waiver
- +4% on popular partners (Swiggy, Uber, PVR, Cult.fit)
What to watch
- −Complimentary lounge access removed in 2024 devaluation
- −Base cashback cut to 1% (from 1.5%) and quarterly caps added
- −Best value tied to Flipkart ecosystem
- −Dynamic currency conversion markup rose from 1.5% to 3.5% on 28 August 2026 — decline rupee billing abroad to avoid it and keep the network rate
Flipkart Axis Bank Credit Card head-to-head
The matchups this card is most often weighed against, each settled on net annual value computed for three real spending patterns.
All head-to-head matchups →
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