Flipkart Axis Bank Credit Card

Name: Axis Bank Flipkart Axis Bank Credit Card
Brand: Axis Bank
Price: 590 INR
Rating: 5.82 (1 reviews)

Ranked #18 of 170 in credit

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Axis-Flipkart co-branded cashback card for online shoppers, with strong Myntra/Flipkart/Cleartrip rates but lounge access removed and caps tightened in the June 2025 devaluation.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value55/100 · weight 71%

≈ 2.78% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.

No rewards on: rent, education, fuel, insurance. Reward score is scaled by ×(1 − 4.0%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency95/100 · weight 12%

Redemption flexibility92/100 · weight 9%

Perks1/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹500 + 18% GST
= ₹590 total
Annual fee: ₹500 + 18% GST
= ₹590 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Reward structure

Category	Type	Rate	Cap	Notes
online_shopping	cashback	5%	₹4,000 / monthly	5% on Flipkart, capped Rs 4,000/statement quarter (~Rs 1,333/month equivalent)
online_spends	cashback	5%	—	5% on Flipkart, Myntra
food_delivery	cashback	4%	—	Unlimited 4% on preferred merchants incl. Swiggy
dining	cashback	4%	—	4% on Swiggy, Uber, PVR
all_spends	cashback	1%	—	Unlimited 1% cashback on other eligible spends

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelrentwallet loadinsuranceutilitiesgovernmenteducationemijewellery

Welcome offer

Rs 250 Flipkart voucher on first transaction within 30 days (reduced from Rs 500, effective cards issued after June 20, 2025); 50% off up to Rs 100 on first Swiggy order

Milestone benefits

Pros

7.5% cashback on Myntra (upgraded from 1% in June 2025 revision), 5% on Flipkart and Cleartrip, unlimited 4% on preferred merchants (Swiggy, Uber, PVR, Cult.fit), unlimited 1% on other spends
simple direct statement credit, no redemption friction

Cons

5%/7.5% categories capped at Rs 4,000 per statement quarter each
lounge access fully discontinued since June 2025
high fee waiver threshold (Rs 3.5L)
wide exclusion list (utilities, telecom, education, rent, insurance, government, fuel, gold/jewellery)

What's inside

More benefits

Activation Vouchers
₹350
Welcome Flipkart voucher
₹250
Rs 250 Flipkart voucher on first transaction within 30 days
Cap ₹250 / one-time. Paid cards only, not first-year-free cards

Insurance cover

text: ₹NaN

Eligibility

text: Age 18-70, Indian resident/NRI, suggested income Rs 15,000-30,000/month

Small print

Redemption fee: ₹0 / redemption