Flipkart Axis Credit Card Review: Fees, Benefits, Who It Suits

Quick Verdict

Yes, the Flipkart Axis Bank Credit Card is worth it if you shop on Flipkart, Myntra or Cleartrip every month.It pays 7.5% on Myntra and 5% on Flipkart and Cleartrip as statement cashback, and the ₹500 fee is small next to that. If most of your spend is elsewhere, its flat 1% is ordinary and you should look at another card.

This flipkart axis credit card review uses only Axis Bank's own card page and terms, as of November 2026. The card is open to new applicants, and its Benchmarksutra Score is below.

Benchmarksutra Score:70/100 — B Tier

Apply with Axis Bank:Check Axis Bank credit cards

What You Get With the Flipkart Axis Credit Card

The card is a co-brand shared by Flipkart, Myntra and Cleartrip. Cashback is credited directly to your statement, so there are no points to track. Axis Bank lists no reward redemption fee.

• 7.5%on Myntra, capped at ₹4,000 per statement quarter (about ₹53,333 of spend)

• 5%on Flipkart and Cleartrip, capped at ₹4,000 per statement quarter for each merchant (about ₹80,000 of spend each)

• 4%unlimited on preferred merchants; Axis publishes the list on its own page

• 1%unlimited on other eligible categories

• 1% fuel surcharge waiver on transactions of ₹400 to ₹4,000, up to ₹400 per statement cycle

• EMI conversion on any purchase above ₹2,500, by calling the bank

The cap maths above is ours: ₹4,000 divided by the cashback rate. Once you cross it in a quarter, the extra spend earns nothing at that rate.

Flipkart Axis Credit Card Fees and Waiver

The joining fee is ₹500 and the annual fee is ₹500 from the second year. Axis Bank waives the annual fee if your annual spends exceed ₹3,50,000. Rent (MCC 6513) and wallet loads (MCC 6540) do not count toward that target, and spends are counted by posting date. Axis advises meeting the target three working days before your card anniversary.

Axis states that first-year-free cards, which carry no joining fee, are not eligible for the ₹250 voucher. Check the fee on your application screen. For the general rules, readHow Credit Card Fee Waivers WorkandAnnual Fee vs Joining Fee.

To test the fee against your own spend, use theannual fee breakeven calculator.

Is the Flipkart Axis Card Worth It? A Worked Example

Here is a sample family year. The spends are our assumptions, not Axis data. The rates are from the Axis page.

Subtract the ₹590 second-year fee (₹500 plus 18% GST) and the net is about ₹6,010, or roughly 2.8% of spend. This family sits well inside every quarterly cap, because Flipkart spend is about ₹18,000 a quarter against an ₹80,000 ceiling.

Now flip it. A buyer who spends ₹2,16,000 a year almost entirely on groceries and bills would earn 1% on part of it and nothing on utilities, so the card barely beats its fee. Thecredit card reward value calculatorlets you test your own mix.

What Earns Nothing on the Flipkart Axis Card

The 1% base rate covers only eligible categories. Axis Bank says no cashback is earned on fuel. Check the cashback terms before relying on the card for utilities, education, insurance or wallets. Extra fees apply too:

• 1% fee on rent payments

• 1% fee on education payments made via third-party apps

• 1% fee on utility spends of ₹25,000 or more in a statement cycle

• 1% fee on wallet loads of ₹10,000 or more in a statement cycle

• 1% fee on fuel spends of ₹50,000 or more in a statement cycle

• 1% fee on online skill-based gaming of ₹10,000 or more in a statement cycle

The card page also says its terms were updated with effect from 20 June 2025. Axis can change rates again, so confirm them on the application screen.

Flipkart Axis Credit Card Benchmarksutra Scores

We score the card with the same eight-part framework we use everywhere. Read how it works in theBenchmarksutra Credit Card Scoreexplainer.

• Reward Value 14/20: strong 7.5% and 5% rates, but quarterly caps

• Fee Value 11/15: ₹500 fee, waiver needs ₹3.5 lakh a year

• Redemption 9/10: cashback goes straight to the statement

• Use-Case Fit 13/15: good for family online shopping

• Eligibility 8/10: age 18 to 70, resident of India

• Benefits 3/10: fuel waiver only, no lounge listed

• Hidden Costs 5/10: long exclusion list, 3.5% forex

• Bank Experience 7/10: Axis app and controls

Who Does the Flipkart Axis Card Suit?

One card can fit different people differently. Here is our view by situation.

Freshers and beginners

A good first card if you already shop on Flipkart or Myntra. Axis lists age 18 and above and asks for PAN, income proof and address proof. The bank decides on approval, so a thin credit history may mean a decline. If you are new to credit, readHow to Compare Credit Cards in Indiafirst.

Middle-aged families

This is the best fit. Household buying such as appliances, clothes, kids' items and travel via Cleartrip lines up with the 5% and 7.5% buckets. Spread large purchases across quarters so you do not hit the ₹4,000 caps.

Travellers and frequent flyers

Only partly. Cleartrip earns 5%, but the page lists no lounge access and forex is 3.5%. Frequent flyers should look at a travel card. SeeBest Credit Cards for International Travel.

Professionals (CA, lawyers, doctors)

Useful as a second card for online shopping. Do not use it for professional fees, rent or utilities, which earn nothing or attract fees. A premium card is a better main card; seeBest Axis Bank Credit Cards.

Senior citizens and retirees

Eligible up to age 70 per Axis Bank. Worth having only if you or your family shop on Flipkart often. Add-on cards carry no joining or annual fee, so a spouse or child can use the same limit.

Checklist Before You Apply

• Confirm the joining fee on your application screen, and whether a ₹250 voucher applies

• Estimate your yearly Flipkart, Myntra and Cleartrip spend against the ₹4,000 quarterly caps

• Check if you can reach ₹3,50,000 a year to avoid the second-year fee

• List the categories you spend on that earn nothing, such as utilities and fuel

• Read the Axis terms for the preferred-merchant list

• Read ourFlipkart SuperCoins and IndiGo conversion postif you also hold SuperCoins

Common Mistakes to Avoid

• Assuming 5% applies to all Flipkart-group spend with no cap

• Paying rent or wallet loads and expecting them to count toward the fee waiver

• Using the card for fuel, utilities or insurance, which earn no cashback

• Missing the 30-day window for the welcome voucher

• Ignoring the 3.5% forex markup on foreign spends

• Letting the ₹500 fee apply without checking if your spend is enough to waive it

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FAQs

Is the Flipkart Axis credit card worth it?

Yes, if you spend regularly on Flipkart, Myntra or Cleartrip. The 7.5% and 5% rates beat most cards on those sites, but each is capped at ₹4,000 per statement quarter.

What is the annual fee of the Flipkart Axis credit card?

₹500 plus taxes from the second year. Axis Bank waives it if annual spends are above ₹3,50,000.

What is the joining fee?

₹500 plus taxes on Axis Bank's fee table. Check your application screen for the fee that applies to you.

How much cashback does it give on Flipkart?

5% on Flipkart and Cleartrip, capped at ₹4,000 per statement quarter for each merchant. Myntra pays 7.5%, with the same cap.

Does the Flipkart Axis card give lounge access?

No lounge access is listed on the card page.

What does it earn on other spends?

Unlimited 1% on other eligible categories and 4% on preferred merchants. Fuel earns no cashback.

Who can apply?

Axis Bank lists primary cardholders aged 18 to 70 who are residents of India. The bank decides on approval.

What is the forex markup?

3.5% of the transaction value, per Axis Bank's fee table.

Official Sources and Editorial Note

Data checked as of: November 2026

Axis Bank Flipkart Axis Bank Credit Card page (fees, cashback, eligibility, value chart)
https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card

Flipkart Axis Bank Credit Card terms and conditions (PDF)
https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-flipkart-axis-bank-credit-card.pdf

Flipkart welcome benefit terms (PDF)
https://www.axis.bank.in/docs/default-source/default-document-library/tncs-for-flipkart-welcome-benefit.pdf

This article is written from official sources and does not rely on third-party wording. Spend examples are our own assumptions. Rates, caps and fees can change, so confirm current terms with Axis Bank before applying.

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