Flipkart Axis Bank Credit Card – Full Details, Benefits, and How to Apply [2025]

The Flipkart Axis Bank Credit Card is a popular choice for online shoppers in India. It’s great for people who shop a lot on Flipkart. On June 20, 2025, some updates were made to this card. These updates changed its benefits and features. In this blog post, we will explain everything about the Flipkart Axis Bank Credit Card in simple English. We will cover its benefits, fees, how to apply, and more. This post is detailed and easy to read. Let’s get started!

What is the Flipkart Axis Bank Credit Card? ℹ️

Flipkart Axis Bank Credit Card – Full Details, Benefits, and How to Apply [2025]

The Flipkart Axis Bank Credit Card is a special credit card. It is made by Flipkart and Axis Bank together. This card is perfect for people who love online shopping. It gives you cashback when you spend on Flipkart, Myntra, and other websites. It also offers discounts on food and fuel. But some benefits, like lounge access, have changed recently. We will talk about all these details step by step.

Key Features and Benefits 🎁

This card has many exciting features. Here’s what you get when you use it:

1. Cashback Offers 💸

You get 5% cashback on Flipkart and Cleartrip purchases. But there’s a limit of ₹4,000 per quarter for each.
You earn 7.5% cashback on Myntra spends. The limit is also ₹4,000 per quarter.
For some special websites like Swiggy, Uber, PVR, and cult.fit, you get 4% cashback.
On all other eligible spends, you get 1% cashback.

2. Welcome Benefits 🎉

When you use the card for the first time, you get a ₹500 Flipkart voucher. This is only for paid cards.
You also get a 50% discount (up to ₹100) on your first Swiggy order.

3. Dining Discounts 🍽️

Enjoy up to 15% off at over 10,000 restaurants. This is through Axis Bank Dining Delights.

4. Fuel Surcharge Waiver ⛽

Save 1% on fuel bills between ₹400 and ₹4,000. The maximum saving is ₹400 per month.

5. EMI Option 💳

If you spend more than ₹1,500, you can convert it into easy EMIs.

Note:

The card used to offer free lounge access at airports. You could visit four times a year. But this stopped on June 20, 2025.

Fees and Charges 💰

Every credit card has some fees. Here are the fees for the Flipkart Axis Bank Credit Card:

Fee Type	Amount
Joining Fee	₹500
Annual Fee	₹500 (waived if you spend ₹3,50,000+ in a year)
Late Payment Fee	Up to ₹1,200
Cash Withdrawal Fee	2.5% of the amount (min. ₹500)
Foreign Currency Fee	3.50% of the transaction value
Overlimit Penalty	2.5% of the overlimit amount (min. ₹500)

The joining fee is charged when you get the card.
The annual fee comes every year. But if you spend more than ₹3,50,000 in a year, you don’t have to pay it.
If you don’t pay your bill on time, you pay a late fee. This can be up to ₹1,200.
Taking cash with the card costs extra. It’s 2.5% of the amount, with a minimum of ₹500.

Check the Axis Bank website for more details.

Who Can Apply and How? 📋

Not everyone can get this card. You need to meet some rules. Here’s what you need to know:

Eligibility

Your age should be between 18 and 70 years.
You must have a steady income. This means a job or business.

Documents Needed

Proof of identity: PAN Card, Aadhaar Card, or passport.
Proof of address: Electricity bill, rent agreement, or Aadhaar Card.
Proof of income: Salary slips or income tax returns.

How to Apply

Go to the Axis Bank website or Flipkart app.
Fill in your details like name, phone number, and income.
Upload your documents online.
Submit the form.
Wait for 7 to 10 days. The bank will check and approve your application.

It’s that simple!

Recent Changes to the Card 🔄

On June 20, 2025, the Flipkart Axis Bank Credit Card got some updates. These changes affect how you use it. Here’s what’s new:

More Cashback on Myntra: It’s now 7.5%. Earlier, it was only 1%.
Cashback Limits: You can earn up to ₹4,000 per quarter on Flipkart, Myntra, and Cleartrip.
No Lounge Access: Free airport lounge visits are gone.
Excluded Spends: You don’t get cashback on fuel, gift cards, or bill payments.

These updates might change how useful the card is for you. Keep them in mind when you use it.

How Does It Compare to Other Cards? ⚖️

Let’s see how this card compares to the Amazon Pay ICICI Card. Both are good for online shopping. But they are different.

Cashback

Flipkart Axis: 5% on Flipkart, 7.5% on Myntra, 4% on partners.
Amazon Pay ICICI: 5% on Amazon (for Prime members), 3% (non-Prime), 1% on others.

How You Get Rewards

Flipkart Axis: Cashback goes to your card statement.
Amazon Pay ICICI: Rewards go to your Amazon Pay balance.

Fees

Flipkart Axis: ₹500 annual fee (can be waived).
Amazon Pay ICICI: No annual fee.

Which is Better?

If you shop on Flipkart and Myntra a lot, the Flipkart Axis card is great.
If you use Amazon more, the Amazon Pay ICICI card might be better.

Pros and Cons 👍👎

Every card has good and bad points. Here’s a look at the Flipkart Axis Bank Credit Card:

Pros

High cashback on Flipkart, Myntra, and partners.
Welcome benefits worth up to ₹600.
Save on fuel with a surcharge waiver.
Discounts on dining at many restaurants.

Cons

Annual fee of ₹500 (but you can avoid it with high spending).
Cashback has limits on some categories.
No more free lounge access.
No cashback on bill payments or wallet reloads.

10 Frequently Asked Questions (FAQs) ❓

Here are answers to common questions about the card:

How do I apply for the Flipkart Axis Bank Credit Card?
- You can apply online on the Axis Bank website or Flipkart app.
What are the cashback rates?
- 5% on Flipkart and Cleartrip, 7.5% on Myntra, 4% on partners, 1% on others.
Is there an annual fee?
- Yes, it’s ₹500. But it’s waived if you spend ₹3,50,000 in a year.
Can I use this card in stores?
- Yes, it works anywhere credit cards are accepted.
How do I get the cashback?
- It’s added to your credit card statement.
What’s the maximum cashback I can earn?
- ₹4,000 per quarter on Flipkart, Myntra, and Cleartrip.
Are there welcome benefits?
- Yes, a ₹500 Flipkart voucher and 50% off on Swiggy (up to ₹100).
Does it still have lounge access?
- No, this stopped on June 20, 2025.
Can I pay in EMIs?
- Yes, for spends over ₹1,500.
What doesn’t earn cashback?
- Fuel, gift cards, bill payments, and wallet reloads.

Conclusion 🏁

The Flipkart Axis Bank Credit Card is a solid choice for online shoppers. It’s best for those who use Flipkart, Myntra, and partner websites a lot. The cashback offers are great. Welcome benefits and dining discounts add more value. But there are some downsides. The annual fee, cashback limits, and no lounge access might bother some people. If you spend enough to waive the fee and don’t need lounge access, this card can save you money. Think about your shopping habits before you decide!

Disclaimer ⚠️

This blog post is for information only. It is not financial advice. Credit card rules can change. Always check with Axis Bank for the latest details. Talk to a financial advisor before you apply for any card. This post uses information available as of July 20, 2025.