Flipkart Axis Bank credit card review: fees, rewards and eligibility
The Flipkart Axis Bank has a recorded annual fee of ₹500 plus GST and a base earn of 1% cashback on other eligible spends. CardMasters checked its issuer terms on 2026-07-28. Affiliate commission never changes ranking; confirm final terms and approval with Axis Bank.
Flipkart Axis Bank: short answer
The Flipkart Axis Bank is in the entry tier of Axis Bank credit cards, with a joining fee of ₹0, an annual fee of ₹500 plus GST (waived on ₹3,50,000 of eligible annual spend), a base earn of 1% cashback on other eligible spends and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load, gift card, emi. It suits flipkart, myntra, cashback spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-28. Confirm final terms with the issuer.
Reward structure
1% cashback on other eligible spends
- 7.5 points per ₹100 on Myntra (₹4,000 statement-quarter cap) — 7.5% cashback, separately capped at ₹4,000 per statement quarter
- 5 points per ₹100 on Flipkart (excluding Flipkart Health) (₹4,000 statement-quarter cap) — 5% cashback, separately capped at ₹4,000 per statement quarter
- 5 points per ₹100 on Cleartrip (₹4,000 statement-quarter cap) — 5% cashback, separately capped at ₹4,000 per statement quarter
- 4 points per ₹100 on issuer-listed preferred merchants — Unlimited 4% cashback; partner list can change at the bank's discretion
Eligibility and important limits
minimum age 18, maximum salaried age 70 Axis Bank publishes age 18–70 and Indian residency for this card, but no card-specific minimum income or credit-score cutoff; approval remains at the bank's discretion. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, gift card, emi, insurance, utility, telecom, education, government, financial institution, gold jewellery, cash advance, card fees.
Important limit: 20 Jun 2025: 5% cashback on Flipkart and on Cleartrip each capped at ₹4,000/statement quarter (was uncapped).
Frequently asked questions
What is the annual fee for the Flipkart Axis Bank?
The published annual fee in our current record is ₹500 plus applicable GST. It can be waived after ₹3,50,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the Flipkart Axis Bank?
1% cashback on other eligible spends. Accelerated routes include 7.5 points per ₹100 on Myntra (₹4,000 statement-quarter cap); 5 points per ₹100 on Flipkart (excluding Flipkart Health) (₹4,000 statement-quarter cap); 5 points per ₹100 on Cleartrip (₹4,000 statement-quarter cap); 4 points per ₹100 on issuer-listed preferred merchants. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Flipkart Axis Bank?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, gift card, emi, insurance, utility, telecom, education, government, financial institution, gold jewellery, cash advance, card fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Flipkart Axis Bank?
It is most relevant for people focused on flipkart, myntra, cashback, online shopping. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Flipkart Axis Bank worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹500 plus GST each year. The fee is waived at ₹3,50,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the Flipkart Axis Bank?
The published minimum age is 18. Axis Bank publishes age 18–70 and Indian residency for this card, but no card-specific minimum income or credit-score cutoff; approval remains at the bank's discretion Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Flipkart Axis Bank?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the Flipkart Axis Bank offer airport lounge access?
Domestic lounge access: none (removed June 2025). International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.