Flipkart Axis Bank Credit Card
Axis Bank
Flipkart/Myntra loyalists' natural pick — currently even joining-fee-free.
Free
Joining fee
₹500, waived at ₹3.5L spend
Annual fee
Waived at Rs 3,50,000 annual spend (official).
3.5%
Forex markup
4.2 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Income/CIBIL not disclosed officially or by aggregators checked.
Key features
- 7.5% cashback on Myntra (quarterly cap)
- Cashback on Flipkart and other eligible merchants
- ₹350 activation benefit
Reward details
1% cashback (unlimited) on all other spends
- 7.5% cashback on Myntra — Rs 4,000/quarter
- 5% cashback each on Flipkart and Cleartrip — Rs 4,000/quarter each
- unlimited 4% cashback on Preferred merchants (cult.fit, PVR, Swiggy, Uber)
Welcome bonus: Rs 250 Flipkart voucher on first transaction within 30 days
Redemption
Cashback credited directly to the statement (no points/catalogue redemption needed).
Excluded from rewards: government services, fuel, gift card purchases, EMI transactions, wallet loading, rent payments, jewellery, insurance, utilities, educational services
- Lounge access discontinued effective 20 June 2025 (CardInsider FAQ) — benefit-specific, the card itself remains active.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 5% cashback on Flipkart is amazing, especially for frequent shoppers; positive comments on fast card issuance — CardInsider user quotes
Complaints
- Reports of unexpected card cancellation despite regular use; cashback denied despite a promotional promise; perception that cashback ends up only redeemable on Flipkart in practice — CardInsider user quotes
Sources
- Official — fees
- Official — product listing
- Aggregator — rewards, sentiment
- Aggregator — lounge, sentiment