Flipkart Axis Bank Credit Card Review (2026)

Quick verdict: The Flipkart Axis Bank Credit Card is best for flipkart & myntra shopping. It earns 5% Flipkart, 7.5% Myntra, with an annual fee of Rs 500 (waiver on Rs 3.5L spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The Flipkart Axis Bank Credit Card is one of India’s most popular co-branded cards, built for people who shop heavily on Flipkart and Myntra. For a low Rs 500 fee it returns strong cashback in those ecosystems plus a flat rate elsewhere.

Note that benefits were trimmed in recent updates (lounge access was removed and quarterly caps apply), so it is now best viewed as a focused shopping card rather than an all-rounder.

Fees & Charges

Rewards & Benefits

• 5% cashback on Flipkart and Cleartrip (capped at Rs 4,000 per statement quarter per merchant).
• 7.5% cashback on Myntra (capped at Rs 4,000 per quarter).
• 4% cashback on preferred partners such as Swiggy, Uber, PVR and Cult.fit, with no cap.
• 1% cashback on all other spends.
• Welcome vouchers (Flipkart and Swiggy), up to 15% dining discounts via Axis Dining Delights, and a 1% fuel surcharge waiver.

Pros & Cons

Who Should Get This Card?

• Frequent Flipkart and Myntra shoppers
• People who also order on Swiggy and Uber
• Anyone wanting a low-fee online-shopping cashback card

Frequently Asked Questions

How to Get the Most from the Flipkart Axis Bank Credit Card

• Use it where it is strongest — flipkart & myntra shopping — where it earns 5% Flipkart, 7.5% Myntra; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 500 (waiver on Rs 3.5L spend)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on Axis Bank and the card variant, but for the Flipkart Axis Bank Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing Axis Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 5% Flipkart, 7.5% Myntra. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• American Express SmartEarn Credit Card — Accelerated brand rewards
• SBI SimplySAVE Credit Card — Everyday offline spends
• Airtel Axis Bank Credit Card — Airtel & utility bills
• American Express Membership Rewards Credit Card — Rewards accumulation
• BOBCARD Eterna Credit Card — Lounge access & rewards