Axis Bank Flipkart Credit Card Review: Complete 2026 Update
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
Is it good? Yes, the Axis Bank Flipkart Credit Card offers decent cashback, especially for online shoppers.
Reward rate? You can earn up to 7.5% cashback on Myntra and 5% on Flipkart.
Best for? This card is ideal for frequent Flipkart and Myntra shoppers looking for cashback benefits.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | ₹500 + GST |
| Joining Fee | ₹500 + GST |
| Annual Fee Waiver | Spend ₹3.5 Lakhs (excludes: rent & wallet spends) |
| Reward Rate | 7.5% on Myntra, 5% on Flipkart, 4% on Preferred Merchants, 1% on others |
| Welcome Benefit | ₹350 worth of activation benefits |
| Lounge Access | 4 visits per year (Domestic only) |
Fees & Welcome Benefits
The Axis Bank Flipkart Credit Card comes with a joining fee and an annual fee of ₹500 + GST. However, you can waive off the annual fee by spending ₹3.5 Lakhs in a year, excluding rent and wallet transactions. This makes it a bit challenging for some users to qualify for the waiver.
As for welcome benefits, you get a Flipkart voucher worth ₹250 on your first transaction within 30 days. Additionally, there’s a ₹1500 Cleartrip voucher if you spend ₹30,000 within the first month. Plus, first-time users can enjoy 50% off (up to ₹100) on Swiggy food orders.
Reward Point System Explained
The reward structure of the Axis Bank Flipkart Credit Card is designed to cater to online shoppers. Here’s a detailed breakdown:
| Category | Reward Rate | Cap |
|---|---|---|
| Myntra | 7.5% cashback | No cap |
| Flipkart | 5% cashback | No cap |
| Preferred Merchants | 4% cashback | Quarterly cap applies |
| Other Eligible Categories | 1% cashback | Quarterly cap applies |
In our experience, the cashback on Myntra and Flipkart is quite attractive, especially for those who frequently shop on these platforms. However, the quarterly capping on other categories can limit your overall rewards.
Travel & Lounge Benefits
Travel enthusiasts will appreciate the lounge access provided by the Axis Bank Flipkart Credit Card. You get 4 domestic lounge visits per year. However, it’s important to note that international lounge access is not included, which might be a drawback for frequent travelers.
While the lounge access is decent, it’s set to change in mid-2024, as complimentary lounge access will no longer be available. This is a significant consideration for those who value this benefit.
Milestone Benefits & Fee Waivers
Currently, the Axis Bank Flipkart Credit Card does not offer specific milestone benefits beyond the annual fee waiver. To qualify for the waiver, you need to spend ₹3.5 Lakhs in a year, which excludes rent and wallet transactions. This can be a bit restrictive for users who may not spend that much on the card.
Pros & Cons
| Pros | Cons |
|---|---|
| Cashback with every transaction | Rent transactions not eligible for fee waiver |
| Fuel surcharge waiver | Limited domestic lounge access |
| Exciting EMI offers on Flipkart | Low overall reward cap |
| Wednesday Delight offers | Multiple rounds of devaluation |
| First Year Free offer available | Large list of exclusions for cashback |
| No cashback redemption fee | Joining and annual fees applicable |
Who Should Get This Card?
The Axis Bank Flipkart Credit Card is best suited for:
- Frequent shoppers on Flipkart and Myntra who want to maximize cashback.
- Individuals who can meet the spending requirement for the annual fee waiver.
- Those who enjoy shopping online and prefer cashback over reward points.
However, if you primarily spend on categories like rent or utilities, you might want to consider alternatives like the Axis Bank Burgundy Private Credit Card Review or the Axis Bank Primus Credit Card Review for better rewards.
Final Conclusion
In conclusion, the Axis Bank Flipkart Credit Card offers a solid cashback structure for online shoppers, particularly on Flipkart and Myntra. While the annual fee and spending requirements for waivers may deter some, the benefits can outweigh the costs for frequent users. If you’re looking for a card that rewards your online shopping habits, this card is worth considering. However, be mindful of the limitations and exclusions that come with it.
For more information, you can visit the official Axis Bank page or check out CardExpert for comparisons with other cards.