Axis Bank
Flipkart Axis Bank Credit Card
Cashback card: 7.5% on Myntra, 5% on Flipkart and Cleartrip (each capped), 4% on preferred merchants, 1% on other eligible spends.
- ₹500 joining, ₹500 a year
Pros and cons
Good
- 4% on dining and food delivery, well above the 2.5% the best free card pays
- Fee pays for itself from about ₹2,800 a month of dining and food delivery
Watch out for
- Earns nothing on utility bills, rent, wallet loads, government payments, insurance and fuel
- High forex markup (3.5%)
- Can't be used on UPI (not a RuPay card)
- Who it's for
- People who spend about ₹2,800 or more a month on dining and food delivery.
- Skip it if
- You spend under ₹2,800 a month on dining and food delivery, or you need a card for UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 1%
- Fuel
- 0%
- Bills and utilities
- 0%
- Dining and food delivery
- 4%
Fees and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- Joining fee ₹500 (the bank currently advertises a limited-period waiver). Annual fee ₹500 from year 2, waived on ₹3.5 lakh spend in the previous card year (rent and wallet loads don't count).
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹400 to ₹4,000; max ₹400 per statement cycle; no cashback earned on fuel
Benefits and eligibility
- Airport lounge
- None (complimentary domestic lounge access discontinued from 20 Jun 2025)
- Card network
- Not published by the bank
- UPI payments
- No
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Primary cardholder aged 18 to 70, resident of India; approval at bank's discretion
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Flipkart Axis Bank Credit Card?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.
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- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
What changed recently
- FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.
Before: 1.5% · After: 3.5%
Bank's notice or terms - FeesWorse for you
Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.
After: ₹1,300 on balances of ₹50,000 and above
Bank's notice or terms - Excluded spendsWorse for you
Bridge fees, road fees and tolls no longer earn cashback.
After: No cashback on bridge fees, road fees and tolls
Bank's notice or terms
Questions people ask
Is the Flipkart Axis Bank Credit Card worth it in 2026?
Yes, if you spend about ₹2,800 or more a month on dining and food delivery. Below that, the CheQ AU Credit Card (AU Small Finance Bank) pays 2.5% for free. The catch: earns nothing on utility bills, rent, wallet loads, government payments, insurance and fuel.
Is the Flipkart Axis Bank Credit Card lifetime free?
No. It costs ₹500 to join and ₹500 a year, plus GST. Joining fee ₹500 (the bank currently advertises a limited-period waiver). Annual fee ₹500 from year 2, waived on ₹3.5 lakh spend in the previous card year (rent and wallet loads don't count).
Does the Flipkart Axis Bank Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the Flipkart Axis Bank Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the Flipkart Axis Bank Credit Card?
Also no cashback on telecom, financial institutions, card repayments, card fees and charges, gift cards bought on Flipkart or Myntra, gold in any form, bridge and road fees and tolls (from 28 Aug 2026), or any transaction under ₹100. Purchases converted to EMI later lose their cashback. The 4% on preferred merchants and 1% on other eligible spends are uncapped.
Is there a limit on rewards with the Flipkart Axis Bank Credit Card?
Myntra: 7.5% cashback, capped at ₹4,000 per statement quarter. Flipkart (website and app, excluding Flipkart Health): 5% cashback, capped at ₹4,000 per statement quarter. Cleartrip: 5% cashback, capped at ₹4,000 per statement quarter.
Who can get the Flipkart Axis Bank Credit Card?
Primary cardholder aged 18 to 70, resident of India; approval at bank's discretion Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read Axis Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.