Axis Flipkart Credit Card : Benefits, Features, Eligibility, and How to Apply 2023

The Axis Flipkart credit card is a co-branded credit card offered by Axis Bank in partnership with Flipkart, one of India’s leading e-commerce platforms. This credit card aims to provide maximum savings and benefits to frequent Flipkart shoppers. In this comprehensive guide, we will explore all the key details about the Axis Flipkart credit card, including its benefits, features, eligibility criteria, fees, charges, and the application process.


E-commerce has seen massive growth in India over the last decade. Flipkart has emerged as one of the top online shopping destinations preferred by millions of Indians. Axis Bank, one of the largest private sector banks in India, identified this opportunity and partnered with Flipkart to launch a co-branded credit card in 2018.

The Axis Flipkart credit card is designed to provide additional discounts, cashback, and rewards to customers shopping on Flipkart. The card also offers benefits for other categories of spending. With over 60 million products across 80+ categories, Flipkart caters to a wide range of shopping needs. The Axis Flipkart credit card can prove to be very useful for frequent Flipkart shoppers looking to save more on their online purchases.

Benefits of the Axis Bank Flipkart Credit Card

The biggest benefit of the Axis Flipkart credit card is the 5% cashback it offers on Flipkart purchases. Cardholders get a flat 5% cashback when they use the card on Flipkart for a minimum transaction of Rs. 3,000. For transactions below Rs. 3,000, users get 1.5% cashback. The cashback is credited to the cardholder’s account every month. The cashback earning is capped at Rs. 500 per month. So in a year, the cardholder can earn cashback of up to Rs. 6,000 on Flipkart shopping. This results in substantial savings for regular Flipkart customers.

The Axis Flipkart card also offers 4% cashback on preferred merchants like Myntra, 2% cashback on Uber rides, and 1.5% cashback on all other spends. There is no limit on the cashback earned for non-Flipkart spends. Other benefits include a fuel surcharge waiver, lounge access, and complimentary airport transfers. The fuel surcharge waiver of 1% can result in decent savings for customers.

Features of the Axis Flipkart Credit Card

Here are some of the salient features of the Axis Flipkart credit card:

  • 5% cashback on Flipkart purchases – Cardholders get 5% cashback on all purchases made on Flipkart (up to ₹500 per month). This can be a great way to save money when shopping on Flipkart.
  • 1.5% cashback on other purchases – On non-Flipkart purchases, cardholders earn 1.5% unlimited cashback. This applies to all retail purchases.
  • Welcome benefit – On payment of the joining/annual fees, cardholders get a voucher worth ₹500 as a welcome benefit. This can be redeemed on Flipkart.
  • No extra charge on fuel – There is no extra fuel surcharge on fuel transactions. Many credit cards charge a fee of 2.5% on fuel purchases.
  • Complimentary lounge access – Cardholders get 4 complimentary domestic airport lounge access per quarter. This allows you to relax and unwind before flights.
  • Flexible redemption options – The accrued cashback can be redeemed as statement credits, gift vouchers, or reward points for other Axis Bank loyalty programs. There is no minimum amount for redemptions.
  • No annual fee for the first year – The annual fee is ₹500 (+ taxes) but it is waived for the first year. So you can enjoy the benefits without any fee in the first year.
  • Quick application process – The card can be applied online via a paperless process. Eligibility criteria include having a monthly income of ₹15,000 or more.
  • lifetime free credit card – Once approved, this serves as a lifetime free credit card. There is no annual fee after the first year if a minimum spend of ₹2 lakh is maintained in the previous year.
  • Completely digital process for applying and transacting through the card.
  • Paperless statements and bills via email and Flipkart’s mobile app
  • Fast application processing through an entirely online process
  • Instant virtual card issuance on approval – Customers can start shopping instantly
  • Offers EMI conversion facility on purchases above Rs. 5,000
  • Contactless payments through Flipkart’s mobile app
  • Secure transactions through OTP and PIN
  • Complimentary lost card liability cover of Rs. 1 lakh

Eligibility Criteria

To be eligible for the Axis Flipkart credit card, the applicant must fulfill the following criteria:

  • Age between 21-60 years
  • Resident Indian citizen
  • Salaried or self-employed
  • Minimum annual income of Rs. 3 lakhs
  • Good credit score – usually a credit score of 750 and above is preferred


The Axis Flipkart credit card comes with the following fees:

  • Joining fee: Rs. 500 + GST
  • Annual fee: Rs. 500 + GST from 2nd year onwards
  • Cash withdrawal fee: 2.5% or Rs. 300, whichever is higher
  • Late payment fee: Up to 40% of the minimum due amount
  • Overlimit fee: 2.5% of over limit amount or Rs. 750, whichever is higher
  • Returned Payment Charge: Rs. 750 per returned payment

How to Apply for the Axis Flipkart Credit Card

The application process for the card is completely digital and can be completed through Flipkart’s shopping app:

  1. Open the Flipkart app on your phone and tap on the ‘Banks’ option.
  2. Select ‘Axis Flipkart Credit Card’ and tap on ‘Apply now’.
  3. Provide your basic personal and financial information for KYC.
  4. Upload documents required for KYC verification – PAN, Aadhaar, passport size photo.
  5. Read all terms and conditions and apply.
  6. The process takes just 5-10 mins. On approval, you get an instant virtual card to start shopping.
  7. The physical Kit is couriered to your registered address within 7 working days.


The Axis Flipkart Credit Card makes for an excellent choice for regular Flipkart shoppers looking to maximize savings on their online shopping. With its unique offerings like 5% cashback on Flipkart, fuel surcharge waiver, lounge access, and more, it provides great bang for your buck. For Flipkart loyalists, it is one of the best co-branded credit cards available in India. The fast, digital application process and instant activation make it seamless to get started with the card. So if you shop often on Flipkart, apply for the card today to unlock maximum savings on your online purchases!

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