Flipkart Axis Bank Credit Card

One of the top cashback credit cards in India is the co-branded Flipkart Axis Bank Credit Card, specifically designed for those who regularly make online purchases on Flipkart and Myntra. This card is ideal for individuals who frequently shop online on Flipkart as it offers a flat 5% cashback on transactions made on Flipkart and Myntra. The card also provides cashback on popular merchants such as Swiggy, PVR, Uber, etc., along with benefits on travel, dining, and fuel expenses.

The Flipkart Axis Bank Credit Card provides complimentary access to domestic airport lounges and is available at an annual fee of INR 500. To learn more about this card and compare it to the ICICI Amazon Pay Credit Card, continue reading our Flipkart Axis Bank Credit Card review.

• Joining Fee- Rs. 500+GST
• Renewal Fee- Rs. 500+GST
• Best Suited For-Shopping
• Reward Type- Reward Points
• Welcome Benefits- Introductory benefits worth Rs. 1,100 on card issuance, benefit of up to Rs. 500 worth Flipkart vouchers, 15% cashback up to Rs. 500 on your first transaction on Myntra and 50% discount up to Rs. 100 on your first transaction for new to Swiggy customers.

Rewards and Benefits

• Movie & Dining- Up to 20% off at partner restaurants under Axis Bank’s exclusive Dining Delights program, accelerated cashback (4%) on PVR cinemas.
• Rewards Rate- 5% cashback on Flipkart and Myntra, 4% cashback on prefered partners (Swiggy, Uber, PVR and cure.fit) and 1.5% cashback on all other spends.
• Reward Redemption- N/A
• Travel- 4 complimentary domestic lounge visits annually, accelerated cashback (4%) on Uber rides.
• Golf- N/A
• Domestic Lounge Access- 4 free domestic airport lounge access per year
• International Lounge Access- N/A
• Insurance Benefits- N/A
• Zero Liability Protection- Cardmembers are not liable for any unauthorized spends made on their card if loss of card reported within 3 days.

Fees & Charges

• Spend based Waiver- The renewal fee is waived upon achieving a minimum annual spend of Rs. 2 lacs
• Rewards Redemption Fee- NA
• Foreign Currency Markup- 3.5% of the total conversion amount
• Interest Rates- 3.65% per month (52.86% annually)
• Fuel Surcharge- Avoid 1% fuel surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).
• Cash Advance Charge- 2.5% (Min. Rs. 500) of the withdrawn amount.
• Add-on Card Fee- Nil

Product Details

• The Welcome Gift on issuing the Flipkart Axis Bank Credit Card is an Rs. 1,100 gift card.
• Various Welcome benefits from Myntra and Swiggy.
• 5% cashback on Flipkart and Myntra. 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cure. Fit.
• 1.5% cashback on all other retail spends (with some exceptions).
• Complimentary airport lounge access at 4 lounges within India.
• 1% fuel surcharge waived on fuel purchases across all petrol pumps in India up to Rs. 4,000 (maximum discount of Rs. 400 per month).

Flipkart Axis Bank Credit Card – Key Highlights

• Best Suited For Shopping and Cashback
• Eligibility Criteria Minimum age – 18 yearsMinimum income – Rs. 15,000 to Rs. 30,000 per month
• Annual Fee Rs. 500
• Benefits Up to 5% cashback on selected brands and 1.5% cashback on all spends.
• Lounge Access 4 complimentary domestic lounge access every year
• Cardinsider’s rating- 5/5

Flipkart Axis Bank Credit Card Cashback

• 5% cashback on Flipkart and Myntra.
• 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cure.fit.
• 1.5% cashback on all other online and offline spends.
• On spending at Flipkart Smart Store (“Bill & Recharge” section), you will only receive 1.5% cashback (as applicable on all other transactions)..

Exclusions on Cashback

There is no cashback on the following categories –

• Fuel spends
• Rental payments
• Insurance, utilities, and education payments
• Gift card purchases on Flipkart, Myntra, 2Gud.com
• Purchases converted to EMI
• Wallet uploads
• Purchase of gold items
• Cash advances
• Payment of the card’s outstanding balance and payment of card fees and other charges.

Flipkart Axis Bank Credit Card Features and Benefits  

Welcome Benefits:

• A welcome benefit worth Rs. 1,100 upon card issuance.
• Flipkart vouchers worth Rs. 500.
• 15% cashback (up to Rs. 500) on your first purchase using this card on Myntra.
• 50% discount on your first purchase for new users on Swiggy (maximum discount capped at Rs. 100).

Dining and Movie Benefits:

• Dining benefit through Axis Bank’s dining Delights program, offering up to 20% off on dining bills at partner restaurants.
• Instant cashback (4%) on PVR movie tickets.

Travel Benefits:

• 4 lounge accesses per year at select airports within India.
• No international lounge access is provided with this card.
• Instant cashback (4%) on Uber rides.

Fuel Surcharge Waiver:

• A 1% fuel surcharge waiver is applicable on fuel transactions at all fuel stations across India, between Rs. 400 and Rs. 4,000. The maximum waiver for this card is Rs. 400 per month. No cashback is provided on fuel purchases.
• Axis Bank Flipkart Credit Card Fees and Charges
• Annual Fee: The Axis Bank Flipkart Credit Card charges an annual fee, which is converted into Flipkart Axis Membership Fee. It is Rs. 500 per year, waived on annual spends of Rs. 2 lakh or more in the previous year (offered as a lifetime free credit card until 31st March 2022).
• Interest Rate: The applicable interest rate on the Axis Bank Flipkart Credit Card is 3.6% per month or 52.86% annually.
• Cash Advance Fee: A cash advance fee of 2.5% of the transaction amount (or a minimum of Rs. 500) is charged for cash withdrawals made using the Flipkart Axis Credit Card.
• Foreign Currency Markup: A foreign currency markup fee of 3.5% is applied on all foreign currency transactions made with the Axis Bank Flipkart Credit Card.
• Card Replacement Fee: There is no card replacement fee if you have lost or misplaced your existing Axis Flipkart Credit Card and need a new card issued.

Credit Limit of Flipkart Axis Bank Card

The credit limit of the credit card varies for each cardholder based on their credit score and income. If an applicant has a good credit score, their credit limit is typically two to three times their monthly income. Since the Axis Bank Flipkart Credit Card is an entry-level card offered by the bank, the credit limit is in Indian Rupees. It can range from Rs. 25,000 to Rs. 5,00,000.

Benefits of Flipkart Axis Bank Credit Card:

1. High rewards rate on Flipkart/Myntra and partner merchants: The Flipkart Axis Bank Credit Card offers a generous rewards rate of 5% on all expenses made on the e-commerce website Flipkart and its affiliate company Myntra. In addition to Flipkart and Myntra, you also earn a good rewards rate of 4% on spending at partner merchants, including popular names like Swiggy, Uber, PVR, and Cure.fit.
2. Decent rewards rate on other partner merchants: This credit card also provides a respectable (not too high, but still significant) rewards rate of 1.5% on all other purchases, which is higher compared to other credit cards in its entry-level segment.
3. Unlimited cashback: The Flipkart Axis Bank Credit Card rewards you with cashback that is directly adjusted against the statement balance every month. Moreover, there is no upper limit on the cashback amount that can be earned on the card in any given month.
4. Airport lounge access: Most basic or low annual fee credit cards do not offer complimentary airport lounge access to cardholders. However, with the Axis Bank Flipkart Credit Card, you get access to four complementary domestic airport lounges.

Drawbacks of Flipkart Axis Bank Credit Card:

1. Not a good credit card for offline shopping: When it comes to online shopping, the Flipkart Axis Bank Credit Card is certainly one of the best credit cards, especially if you prefer Flipkart for most of your purchases. You also get a 4% cashback on online food deliveries through Swiggy and Uber rides. However, if you are someone who enjoys offline shopping at shopping malls or other small retail stores, then the Flipkart Axis Card may not be the best option for you as it offers only 1.5% cashback on offline spends.
2. No insurance coverage: The Flipkart Axis Bank Credit Card does not provide any insurance benefits such as coverage for air accidents or protection against loss or delay of baggage.

Please note that the information provided is based on general knowledge, and it’s always advisable to refer to the official website or contact the bank directly for the most accurate and up-to-date details regarding any credit card benefits.

You should consider a better alternative if:

1. You prefer Amazon (or any other e-commerce website) for online shopping: If Amazon is your preferred e-commerce portal, then you should consider the Amazon Pay ICICI Bank Credit Card.
2. You are an offline shopper: Although the Flipkart Axis Bank Credit Card provides high rewards rates of 5% or 4% on select online merchants, its rewards rate on all offline transactions is only 1.5%. If you are someone who predominantly engages in offline shopping at retail stores or shopping malls, the Flipkart Axis Bank Credit Card may not be the best option for you.
3. Four airport lounge accesses per year are not sufficient for you, or you desire a credit card with railway lounge access.
4. You want a credit card that provides complementary insurance benefits to the cardholder.

Considering these factors, you may explore other credit card options that align more closely with your preferences and requirements.

To apply for the Flipkart Axis Bank Credit Card, you can do so through an online application. Here’s what you need to do:

1. Click on the “Apply Now” button at the top of the page.
2. Under the “Explore Products” menu, click on “Cards.”
3. Click on “Credit Cards” and select “Explore More.”
4. Click on “Flipkart Axis Bank Credit Card” and then click on “Apply Now.”
5. Enter all the necessary details and upload all the required documents to submit the application.

Required Documents:

To process your application, you will need to submit some documents, which include:

1. Identity proof (Aadhaar card, voter card, PAN card, etc.).
2. Address proof (Aadhaar card, voter card, driving license, utility bill, etc.).
3. Income proof (salary slips or a certified Income Tax Return).

How to check the Axis Bank Flipkart Credit Card application status?

Once you have submitted an application for the Axis Bank Flipkart Credit Card, the bank usually takes about 10 to 15 days to process your application. To track your credit card application at any time after submitting the application along with the required documents, you can:

1. Visit the Axis Bank’s Credit Card Application Tracking page.
2. You can track your credit card application either using your application ID or your mobile number/PAN.
3. Choose your desired method of application tracking, enter the CAPTCHA, and click/submit.
4. You will now be able to see the status of your credit card application on the page that opens.

Axis Bank Flipkart Credit Card Login/Internet Banking

You can take full control of your Flipkart Axis Credit Card by registering it for internet banking. To register your new Flipkart Axis Credit Card or log in to your existing account, follow these steps:

1. Visit the Axis Bank internet banking portal.
2. If you are already an Axis Bank customer, simply log in with your credentials.
3. If you are not an existing Axis Bank customer, select the option for first-time users? Register.
4. Register your Flipkart Axis Credit Card for Axis Bank internet banking.

Flipkart Axis Bank Credit Card PIN Generation

You can generate the PIN for your Flipkart Axis Bank Credit Card online through internet banking or the Axis Bank mobile app. Alternatively, you can dial the Axis Bank customer care number or generate the PIN at any Axis Bank ATM.

Axis Bank Flipkart Credit Card Customer Care

Axis Bank offers excellent customer service for its credit card customers. If you have an Axis Bank card and need any assistance or want to report it lost, you can dial Axis Bank’s customer care number – 18605005555/18604195555. This number is available 24×7.

If you want to block your Flipkart Axis Bank Credit Card, you can easily do so by sending an SMS to 5676782 without dialing the bank’s customer care number. The format of the SMS should be – BLOCK <Your 16-digit credit card number>.

Conclusion

If you prefer online shopping, the Axis Bank Flipkart Credit Card offers great returns and Flipkart is your preferred e-commerce platform. In addition to Flipkart, you also get good returns (4%) with popular names like Swiggy, Uber, and PVR. Despite being an entry-level card, it provides 4 complimentary domestic lounge access and dining benefits under the Axis Bank’s Dining Delights program.

The only competitor in the market for this card is the Amazon Pay ICICI Bank Credit Card, which comes with zero membership fees but offers lesser additional benefits. Now, if you are a digital shopper, you can’t go wrong with either of them. You can also sign up for both; or if you have to choose between the two, you should evaluate your needs – whether you really need complimentary lounge access and how important is the additional cashback benefit that you get with other merchants.

Before making a choice, it is advisable to gather detailed information about the benefits provided by each card. You can read about the Amazon Pay ICICI Bank Credit Card here.

What are your thoughts on this co-branded credit card? Which one would you choose between the two? Let us know in the comments below.