INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official axisbank.com (Axis Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️Axis Bank Ltd.Network: VisaShopping & Rewards CardsLast Verified: 2026-09-28

Flipkart Axis Bank Credit Card

फ्लिपकार्ट एक्सिस बैंक क्रेडिट कार्ड

Premier e-commerce shopping card providing uncapped 5% cashback on Flipkart, 4% on Swiggy & Uber, and 1.5% on all retail spends.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Reward Rate5% unlimited cashback on Flipkart and Cleartrip. 4% unlimited cashback on preferred merchant partners (Cult.fit, PVR Inox, Swiggy, Uber). 1.5% unlimited cashback on all other retail transactions (both online and offline).

Airport LoungeNo complimentary airport lounge access is included on this retail shopping card.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Flipkart Axis Bank Credit Card is India's premier e-commerce shopping credit card. Engineered for frequent Flipkart shoppers and urban consumers, it delivers completely uncapped 5% statement cashback on Flipkart and Cleartrip, 4% on Swiggy and Uber, and 1.5% on all other offline/online retail.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹3,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

Flipkart shopping voucher worth ₹500 credited upon card activation and first retail transaction within 30 days.

⚡Reward Points Structure

5% unlimited cashback on Flipkart and Cleartrip. 4% unlimited cashback on preferred merchant partners (Cult.fit, PVR Inox, Swiggy, Uber). 1.5% unlimited cashback on all other retail transactions (both online and offline).

Redemption Value: 1 Reward Point = ₹1.00. Cashback is automatically adjusted and credited directly to the next month's credit card billing statement balance without requiring manual redemption or points conversion fees.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this retail shopping card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all petrol pumps in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹400 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: No complex milestone tiers; all cashback is completely unlimited and direct-to-statement with zero monthly capping on Flipkart and preferred partners.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Annual fee waiver threshold was increased to ₹3.5 Lakhs. Airport lounge access was removed from the card. Offline and non-partner spending yields 1.5% cashback. Foreign currency markup of 3.50% makes it expensive abroad.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges from day 1.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving credit balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).

Reward Points ExpiryCashback is credited directly to statement balance and does not expire.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet loads, rent payments, educational institutional payments, and government tax payments do not earn cashback.

Eligibility Criteria

Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹15,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹3,60,000.

Age Requirement18 to 70 Years

Minimum Income₹15,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. Frequent Flipkart customers often receive pre-approved paperless invites inside the Flipkart mobile app.

SBI RelationshipNot mandatory. Open to all Indian citizens across all banking relationships.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the Flipkart mobile app or visit axisbank.com/cards.

2Tap on 'Flipkart Axis Bank Credit Card' and verify mobile number.

3Enter PAN, employment type, and monthly take-home salary.

4Confirm current residential address and authorize digital Aadhaar e-KYC.

5Complete online Video KYC session with Axis Bank verification desk.

6Digital card is ready immediately for Flipkart shopping; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

Apply at any Axis Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (axisbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card (mandatory for digital e-KYC)

3. Proof of Income: Last 3 months' salary slips with bank statement (Salaried) OR Latest ITR with Computation Sheet (Self-Employed)

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Flipkart Axis Bank Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Flipkart Axis Bank Credit Card into EMI?

Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Flipkart Axis Bank Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00. Cashback is automatically adjusted and credited directly to the next month's credit card billing statement balance without requiring manual redemption or points conversion fees. Please note: Cashback is credited directly to statement balance and does not expire.

What is the interest-free grace period on Flipkart Axis Bank Credit Card and how does it work?

The interest-free period on Flipkart Axis Bank Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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