Flipkart Axis Bank Credit Card

The co-branded Flipkart Axis Bank Credit Card, one of the best cashback credit cards in India, is only available to customers who shop at the well-known online retailer Flipkart on a regular basis. Whether you are shopping for everyday household goods, clothes, electronics, books, or just celebrating a holiday, the Flipkart Axis Bank Credit Card will give you instant 5% cashback on Flipkart and offers accelerated cashback of 4% on popular merchants like Swiggy, PVR, Uber, Tata Play, Cleartrip, and cult.fit in addition to travel, dining, and fuel benefits.

Joining Fees: | Annual Fees:

Rs. 500 + GST | Rs. 500 + GST

Reward Type:

Cahsback

Suited For:

Shopping

Issued on:

Visa | Mastercard

Rating:

5/5

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Fees and Charges

Fees: - Joining/Annual Rs. 500+GST
Best Suited For: - Shopping
Reward Type: - Cashback
Welcome Benefits: - Introductory Benefits Worth Rs. 600 on Card Issuance
Interest Rates: - 3.6% per month (52.86% annually)
Spend Based Waiver: - Annual fee waived on spends of Rs. 3.5 lakhs
Fuel Surcharge: - 1% surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).
Foreign Currency Markup: - 3.5% of the total cost.
Cash Advance Charges: - 2.5% (Min. Rs. 500) of the withdrawn amount.
Add-on Card Fee: - Nil

Reward and Benefits

Movie & Dining: - Up to 15% off at partner restaurants under Axis Bank's exclusive Dining Delights program
Rewards Rate: - 5% cashback on Flipkart, 4% cashback on preferred partners (Swiggy, Uber, PVR and cult.fit) and 1.5% cashback on Myntra and all other spends.
Zero Liability Protection: - Cardmembers are not liable for any unauthorized spends made on their card if loss of card reported within 3 days.
Travel: - Accelerated Cashback (4%) on Uber Rides
Domestic Lounge Access: - 1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)
International Lounge Access: - N/A
Rewards Redemption: - N/A
Insurance Benefits: - N/A
Golf: - N/A

Product Details

Welcome gifts worth Rs. 600.
5% cashback on Flipkart.
4% cash back on preferred partners, including Swiggy, Uber, PVR, TATA PLAY, and cult.fit
1.5% cashback on all other retail spends (with a few exceptions).
4 complimentary airport lounge access within India.
1% fuel surcharge waiver across petrol pumps in India for purchases worth Rs. 400 and Rs. 4,000. The maximum waiver is Rs. 400 per statement cycle.

Pros/Cons

Pros

One of the biggest pros of the Flipkart Axis Bank Credit Card is unlimited cashback can be earned on spends.
With the Axis Bank Dinning Delights, you can get up to 15% off on partner restaurants.

Cons

Although this card offers domestic lounge access, there is no international one.
There isn’t any insurance coverage with the Axis Flipkart Credit Card.

Flipkart Axis Bank Credit Card Cashback

5% cashback on Flipkart.
4% cashback on preferred partners, including Swiggy, Uber, PVR and cult.fit.
1.5% cashback on all other online and offline spends, including Myntra.
There is no limit on the cashback earned with the Flipkart Axis Bank Credit Card.
Spends on Flipkart Smart Store (‘Bills and Recharges’ section) will earn you a cashback of 1.5% only (same as applicable to all other transactions).

Please note that there are some transaction categories for which cashback is not available. These categories include fuel purchases, rental payments, insurance, utilities, and payments for education. Moreover, gift card purchases made on Flipkart or Myntra, purchases converted to EMI, wallet reloads, purchases of gold items, cash advances, payment of the card's outstanding balance, payment of card fees, and payments made to government agencies are not eligible for cashback.

Flipkart Axis Bank Credit Card Features and Benefits

Welcome Benefits:

This credit card comes with welcome perks worth Rs. 600. To qualify for cashback, you have to complete transactions totaling at least Rs. 100.

Rs. 500 Worth of Flipkart Vouchers:

To take advantage of this offer, just complete a transaction within the first thirty days of the card's issuance. An email containing a Flipkart gift voucher will be sent to you; it cannot be exchanged for cash or credit.

50% on Swiggy Orders:

Get a 50% instant discount on your first Swiggy purchase. The maximum discount is Rs. 100. There is a Rs. 129 minimum cart value requirements, and each cardholder may only take advantage of this offer once.

Dining and Movie Benefits:

Benefits include accelerated cashback (4%) on PVR tickets; eating benefit under the Axis Bank eating Delights program, which offers 15% discount up to Rs. 500 on dining bills at partner restaurants; applicable at 10,000+ restaurants in India.

Travel Benefits:

Uber riders receive accelerated cashback (4%) and 4 complimentary lounge access annually at specific Indian airports.

Axis Bank Flipkart Credit Card Charges

Annual Fee: The Flipkart Axis Credit Card has an annual membership fee of Rs. 500, which is waived for those who spend Rs. 3.5 lakhs or more in a single year.
Interest Rate: The Axis Bank Flipkart Credit Card has an interest rate of 3.6% per month, or 52.86% annually. Foreign Currency Mark-up: For all foreign currency transactions made with the Axis Bank Flipkart Credit Card, there is a 3.5% mark-up fee.
Card Replacement Fee: There is no fee to replace your Axis Bank Flipkart Credit Card in the event that you misplace or lose your original one.

Advantages of Flipkart Axis Bank Credit Card

High Reward Rate on Flipkart and Other Partner Merchants: The Flipkart Axis Bank Credit Card provides an excellent reward rate of 5% on all purchases made on the e-commerce platform Flipkart. In addition, you receive a good reward rate of 4% on purchases made at partner merchants, which include well-known brands like Swiggy, Uber, PVR, and cult.fit.
Unlimited Cashback: Another benefit of having a Flipkart Axis Credit Card limit is that you can earn cashback on your purchases, which is deducted directly from your monthly statement balance each month. There is also no cap on the total amount of cashback you can earn on your Flipkart Axis Bank Credit Card in a given month.
Free Airport Lounge Access: Axis Bank Flipkart Credit Card offers free airport lounge access to four domestic airports each month, which is more than most basic or low annual fee credit cards.

Drawbacks of Flipkart Axis Bank Credit Card

Not the Best Credit Card for Offline Shopping: The Flipkart Axis Bank Credit Card is undoubtedly among the greatest credit cards for online shopping, particularly if you shop at Flipkart the majority of the time. It also offers 4% cashback on Swiggy food delivery online and on Uber rides. On the other hand, if you enjoy shopping offline at malls and other small retail stores, the Flipkart Axis Card is not the best option for you, as it only offers 1.5% cashback on offline purchases.
Lack of Insurance: The Flipkart Axis Bank Credit Card has no insurance advantages, such as coverage for air travel accidents or against luggage loss or delay.

Who Should Apply for a Flipkart Axis Bank Credit Card?

Applying for an Axis Bank credit card from Flipkart is advised if:

You are an online shopper who typically shops at Flipkart rather than Amazon.
You order meals from Swiggy and hire or hail a cab from Uber.
For you, four complimentary lounge passes per year at domestic airports is sufficient.

You Should Consider Other Options if-

You would rather shop online at Amazon (or any other e-commerce website) than at Flipkart. If Amazon is your preferred e-commerce gateway, you should consider the Amazon Pay ICICI Bank Credit Card.
Flipkart Axis Bank Credit Card gives a high reward rate of 5% or 4% at chosen online merchants; the reward rate applicable on all offline transactions is simply 1.5%. You are more of an offline shopper.
You want a credit card with access to railway lounges, or you feel that four airport lounge passes per year is insufficient.
You are looking for a credit card that gives its users free insurance benefits.

How to Apply for a Flipkart Axis Bank Credit Card?

To apply for the Flipkart Axis Bank Credit Card online, simply follow these steps:

Tap the"Apply Now" button to begin the application process.
In order to submit the application, complete all the fields and upload all the relevant files.
Finish submitting your application.

How to Check Axis Bank Flipkart Credit Card Application Status?

The Axis Bank Flipkart Credit Card application procedure typically takes ten to fifteen days. You can monitor the status of your credit application at any moment after submitting all the required documents and the application.

Go to the credit card application tracking website of Axis Bank.
You can use your Application ID or PAN (mobile number) to track your credit card application.
After entering the captcha and choosing your preferred application tracking method, tap or click Submit.
On the screen that opens, you may now check the status of your credit card application.

Flipkart Axis Bank Credit Card Review

If you enjoy shopping online and Flipkart is your preferred e-commerce platform, the Axis Bank Flipkart credit card offers excellent returns. In addition to Flipkart, you receive decent rewards (4%) from selected merchants, such as well-known brands like Swiggy, Uber, TATA Play, and PVR. Although it is an entry-level card, it comes with four complimentary domestic lounge access and dining benefits under Axis Bank's Dining Delights program.

The Amazon Pay ICICI Bank credit card is the only competitor of this card in the market; it has fewer additional benefits but no membership fee. If you are an online shopper, you can sign up for both cards and cannot go wrong with either one. However, if you must choose between the two, you must consider your needs, such as whether you need free lounge visits or how important the extra cashback benefit from other merchants is. Before making a decision, you should be well-informed about the benefits offered by each card.

Please share your thoughts in the comments section below on this co-branded credit card, as well as which of the two you would choose.

FAQs:

What is the most cashback I might possibly receive in a Givan month?

There is no limit to the cashback that you can earn in a given month.

Do I get access to the Airpot Lounge when I use my Flipkart Axis Bank Credit Card?

The Flipkart Axis Bank Credit Card does get you access to 4 domestic airport lounges annually; however, it does not grant you access to any international airport lounges.

Which other partner retailers allow the Axis Bank Flipkart Credit Card to receive 4% cashback?

When you make purchases from partner merchants like Swiggy, Uber, PVR, and cult.fit, you will receive 4% cashback.

Do I receive cashback when I purchase fuel?

Fuel transactions are not eligible for cashback benefits. Nevertheless, transactions between Rs. 400 and Rs. 4,000 are exempt from the 1% fuel surcharge, up to a maximum of Rs. 400 per calendar month.

Is Flipkart Axis Bank Credit Card lifetime free?

Flipkart Axis Bank Credit Card comes with an annual fee of Rs. 500.

What is the process for blocking my Flipkart Axis Bank credit card?

Simply text "BLOCK " to 5676782 to ban your Flipkart Axis Bank credit card. Alternatively, you can call Axis Bank's 24-hour hotline at 18604195555/18605005555 to get your credit card blocked.

Flipkart Axis Bank Credit Card
Rating: 5/5