Flipkart Axis Bank Credit Card: A Comprehensive Review | apply Flipkart Axis Bank Credit Card in 2023

Axis Bank and Flipkart have collaborated to release the Flipkart Axis Bank Credit Card, which was launched a few months after Amazon’s partnership with ICICI Bank and the ICICI Amazon Pay credit card. This credit card is designed for individuals who frequently shop online at Flipkart, providing 5% cashback on transactions made on Flipkart and Myntra. Additionally, cardholders can also receive cashback on transactions made with popular merchants such as Swiggy, PVR, and Uber, as well as benefits for travel, dining, and fuel expenses.

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flipkart axis bank credit card

For an annual fee of Rs. 500, the Flipkart Axis Bank card also offers complimentary access to domestic airport lounges. To learn more about the Flipkart Axis Bank credit card and how it compares to the ICICI Amazon Pay credit card, continue reading.

Product Details

  • Upon issuance of the card, the Axis Bank Flipkart Credit Card provides welcome gifts valued at Rs. 1,100, as well as additional welcome benefits from Myntra and Swiggy.
  • A high reward rate of 5% cashback is offered on purchases made on Flipkart and Myntra.
  • A 4% cashback is provided on select partner merchants such as Swiggy, Uber, PVR, and cure.fit.
  • A decent cashback rate of 1.5% is offered on all other retail spends (with a few exceptions).
  • The card also provides 4 complimentary airport lounge access within India.
  • Additionally, a 1% fuel surcharge waiver is applicable at all petrol pumps across India for transactions worth between Rs. 400 and Rs. 4,000, with a maximum waiver of Rs. 400 per month.
Flipkart Axis Bank credit card

Flipkart Axis Bank Credit Card – Key Highlights

Best Suited ForShopping and Cashback
Eligibility CriteriaMinimum age – 18 yearsMinimum income – Rs. 15,000 to Rs. 30,000 per month
Annual FeeRs. 500
BenefitsUp to 5% cashback on selected brands and 1.5% cashback on all spends.
Lounge Access4 complimentary domestic lounge access every year
Cardinsider’s rating5/5
Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card Cashback

  • 5% cashback on Flipkart and Myntra.
  • Earn a cashback of 5% on purchases made on Flipkart and Myntra with the Flipkart Axis Bank Credit Card.
  • Get a cashback of 4% on spends made with the card at preferred partner merchants like Swiggy, Uber, PVR and cure.fit.
  • For all other online and offline transactions, you can earn a cashback of 1.5%.
  • However, certain categories of spends such as fuel purchases, gift card purchases on Flipkart and Myntra, purchases converted to EMI, wallet uploads, purchase of gold items, payment of the card’s outstanding balances, payment of card fees and other card charges do not qualify for cashback.
  • Transactions made on the Flipkart Smart Store’s “Bills and Recharges” section also earn a cashback of 1.5% only, the same as for all other transactions.

Flipkart Axis Bank Credit Card Features and Benefits

Welcome Benefits

Upon issuance of the card, you can avail a welcome benefit worth Rs. 1,100 which includes Rs. 500 worth Flipkart vouchers. In addition, you can also enjoy a 15% cashback (up to Rs. 500) on your first purchase using the card on Myntra. For new customers to Swiggy, a 50% discount (maximum discount capped at Rs. 100) is available on their first purchase.

Dining Movie Benefits

  • You can enjoy a dining benefit through Axis Bank’s dining Delights program, which offers discounts of up to 20% on your dining bills at participating restaurants.
  • Enhanced cashback (4%) on tickets purchased from PVR..

Travel Benefits

  • Four complimentary airport lounge access within India are provided every year.
  • This card does not provide access to international lounges.
  • You can earn an accelerated cashback of 4% on your Uber rides with this card.

Fuel Surcharge Waiver

  • Enjoy a waiver of 1% fuel surcharge at all fuel stations across India for transactions between Rs. 400 and Rs. 4,000.
  • The maximum amount of fuel surcharge waiver per month for this card is Rs. 400.
  • “Fuel purchases do not qualify for cashback rewards on this card.

Axis Bank Flipkart Credit Card Fees and Charges

  • Annual Fee: The Flipkart Axis Credit Card charges an annual fee of Rs. 500 per year, which can be waived off if the cardholder spends Rs. 2 lakhs or more in the previous year. The card is currently being offered as a lifetime free credit card until March 31st, 2022.
  • Interest Rate: The Axis Bank Flipkart Credit Card has an interest rate of 3.6% per month or 52.86% per annum.
  • Cash Advance Fee:If you use your Flipkart Axis Credit Card to withdraw cash, a fee of 2.5% of the transaction amount (with a minimum fee of Rs. 500) will be charged as a cash withdrawal fee.
  • Foreign Currency Mark-up: All foreign currency transactions made using the Axis Bank Flipkart Credit Card are subject to a forex mark-up fee of 3.5% of the transaction amount.
  • Card Replacement Fee: There is no fee charged for replacing your lost or misplaced Axis Flipkart Credit Card with a new one.
axis bank credit card

Credit Limit of Flipkart Axis Bank Card

The credit limit of a credit card is determined by various factors including the credit score and income of the cardholder. Generally, a good credit score and higher income result in a higher credit limit. For Axis Bank Flipkart Credit Card, which is an entry-level card, the minimum credit limit offered is Rs. 25,000 and it can go up to Rs. 5 lakhs based on the applicant’s eligibility criteria.

Advantages of Flipkart Axis Bank Credit Card

  • High Reward Rate on Flipkart/Myntra and other Partner Merchants: The Axis Bank Flipkart Credit Card offers an attractive reward rate of 5% on all transactions made on Flipkart and its affiliated site Myntra. Furthermore, the card provides a favorable reward rate of 4% on purchases made at partner merchants, including Swiggy, Uber, PVR, and cure.fit.
  • Decent Reward Rate on other Partner Merchants: The Flipkart Axis Bank Credit Card offers a decent reward rate of 1.5% on all other purchases, which is higher than what most other credit cards in the entry-level segment offer.
  • Unlimited Cashback: The Flipkart Axis Bank Credit Card offers the convenience of earning cashback, which is directly credited to the card’s statement balance each month. Furthermore, there is no upper limit on the amount of cashback that can be earned using this card in a given month.
  • Airport Lounge Access: Usually, credit cards that come with low annual fees don’t offer complimentary access to airport lounges. But with the Flipkart Axis Bank Credit Card, you can enjoy four free domestic airport lounge accesses.

Drawbacks of Flipkart Axis Bank Credit Card

  • Not a Great Credit Card for Offline Shopping: For those who frequently make purchases online, especially on Flipkart, the Flipkart Axis Bank Credit Card is an excellent option. It offers a high cashback rate of 5% or 4% on purchases made from select online merchants, as well as 4% cashback on online food delivery through Swiggy and Uber rides. However, if you prefer to shop offline at retail stores or malls, this card may not be the best choice as the cashback rate is only 1.5% for such transactions.
  • No Insurance Cover: Flipkart Axis Bank Credit Card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.

You should apply for Flipkart Axis Bank Credit Card if-

  • You are someone who is fond of online shopping and prefers Flipkart over Amazon for most purchases.
  • You use Swiggy for ordering food and Uber for hailing a taxicab or renting a car.
  • 4 lounge access per annum at domestic airports are enough for you.

You should consider a better option if-

If you prefer online shopping on Amazon or any other e-commerce platform, the Amazon Pay ICICI Bank Credit Card may be a better choice for you than the Flipkart Axis Bank Credit Card.

  • You prefer Amazon (or any other e-commerce website) over Flipkart for online shopping. If Amazon is the e-commerce portal of your preference, you should rather go for Amazon Pay ICICI Bank Credit Card.
  • You are more of an offline shopper- Flipkart Axis Bank Credit Card although offers a high reward rate of 5% or 4% at select online merchants, the reward rate applicable on all offline transactions is just 1.5%.
  • 4 airport lounge access per annum are not enough for you or you want a credit card with railway lounge access.
  • You want a credit card that offers complimentary insurance benefits to the cardholder.

Flipkart Axis Bank Credit Card Eligibility Criteria

CriteriaSalaried EmployeesSelf-Employed Individuals 
Age>18 Years>18 years
IncomeMinimum Rs. 15,000 per monthMinimum Rs. 30,000 per month

How to Apply for Flipkart Axis Bank Credit Card

You can apply for the Flipkart Axis Bank Credit Card online. All you have to do is-

  • Go to the card’s homepage and click/tap on the “Apply Now” option.
  • Enter your registered mobile number with Flipkart.
  • You will receive an SMS containing a link to continue the application process.
  • Click/tap on the link and follow the instructions to complete your application.

Documents Required

In order for your application to be processed, you will need to submit a few documents including-

  • An identity proof (Aadhar card, Voter card, PAN card, etc.).
  • An address proof (Aadhar card, Voter card, driving license, utility bills, etc.).
  • A proof of income (salary slips or an audited ITR acknowledgment).

How to Check Axis Bank Flipkart Credit Card Application Status?

After applying for the Axis Bank Flipkart Credit Card, it typically takes the bank 10 to 15 days to process your application. If you wish to track your credit application at any time after submitting your application along with the required documents, simply follow these steps:

  • Go to Axis Bank’s credit card application tracking page.
  • Choose your preferred method of application tracking – either by using your Application ID or your mobile number/PAN.
  • Enter the necessary details, including the captcha, and click/tap on “Submit.”
  • You will now be able to view the status of your credit card application on the page that opens.

Axis Bank Flipkart Credit Card Login/Internet Banking

To have complete control over your Flipkart Axis Credit Card, you can register it for internet banking. Whether you’re looking to register a new Flipkart Axis Card or log in to an existing account, simply follow these steps:

  • Go to Axis Bank’s website and navigate to the internet banking portal.
  • If you already have an Axis Bank account, log in with your existing credentials.
  • If you are not an existing Axis Bank customer, select the “First time user? Register” option and follow the registration process.
  • Once you have registered, you can log in to Axis Bank’s internet banking portal using your Flipkart Axis Bank Credit Card details.

Flipkart Axis Bank Credit Card PIN Generation

To generate your Flipkart Axis Bank Credit Card’s PIN, you have several options available to you. You can generate it online through Axis Bank’s internet banking platform or via their mobile app. Another option is to call Axis Bank’s customer care number or generate the PIN at any of their ATMs.

Axis Bank Flipkart Credit Card Customer Care

Axis Bank is known for providing excellent customer service to its credit card customers. If you need assistance with your Axis Bank Card or need to report a lost card, you can call Axis Bank’s customer care numbers at 18605005555 or 18604195555, which are available 24×7.

In the event that you need to block your Flipkart Axis Bank Credit Card, you can easily do so by sending an SMS with the message “BLOCK” followed by your 16-digit credit card number to 5676782, without having to call the bank’s customer care number.

Conclusion

If you frequently shop online at Flipkart and it’s your preferred e-commerce platform, the Axis Bank Flipkart credit card can offer you excellent returns. Not only do you receive good returns on Flipkart purchases, but you can also earn a 4% cashback with preferred merchants such as Swiggy, Uber, and PVR. Despite being an entry-level card, it also provides four complimentary domestic lounge access and dining benefits under the Axis Bank’s Dining Delights program.

The only competitor to this card in the market is the Amazon Pay ICICI Bank credit card, which has no membership fee but fewer additional benefits. If you love digital shopping, either of the two cards would be a good choice. You can even apply for both, but if you have to choose between them, consider your needs, such as whether you need complimentary lounge visits and how important additional cashback benefits are with other merchants.

Before making a decision, it’s recommended that you gather comprehensive information about the benefits that each card offers. You can find more information about the Amazon Pay ICICI Bank credit card here.

What is your opinion on this co-branded credit card, and which one would you choose between the two? Please share your thoughts in the comments below.

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