फ्लिपकार्ट एक्सिस बैंक क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Axis Bank Ltd.
Premier e-commerce shopping card providing uncapped 5% cashback on Flipkart, 4% on Swiggy & Uber, and 1.5% on all retail spends.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
Flipkart shopping voucher worth ₹500 credited upon card activation and first retail transaction within 30 days.
No complimentary airport lounge access is included on this retail shopping card.
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).
No complex milestone tiers; all cashback is completely unlimited and direct-to-statement with zero monthly capping on Flipkart and preferred partners.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹15,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Open the Flipkart mobile app or visit axisbank.com/cards. Step 2: Tap on 'Flipkart Axis Bank Credit Card' and verify mobile number. Step 3: Enter PAN, employment type, and monthly take-home salary. Step 4: Confirm current residential address and authorize digital Aadhaar e-KYC. Step 5: Complete online Video KYC session with Axis Bank verification desk. Step 6: Digital card is ready immediately for Flipkart shopping; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.