Flipkart Axis Bank Credit Card in 2026: Cashback, Benefits, Fees, Eligibility and Review

November 7, 2026

Online shopping has become a regular part of everyday spending in India. From electronics and home appliances to fashion, groceries and travel bookings, millions of customers use online platforms to purchase products and services. However, frequent online shopping can also increase monthly expenses. Choosing a credit card that provides cashback on regular purchases can help customers reduce some of these costs.

The Flipkart Axis Bank Credit Card is a co-branded cashback credit card offered by Axis Bank in partnership with Flipkart. It is designed for customers who frequently shop on Flipkart and Myntra and also use Cleartrip for travel bookings. The card provides cashback on selected shopping platforms, preferred merchants and other eligible transactions.

One of its key attractions is the 7.5% cashback on eligible Myntra purchases, along with 5% cashback on Flipkart and Cleartrip transactions. Customers can also earn 4% cashback on selected preferred merchants and 1% on other eligible purchases.

However, cashback rates are not the only factors to consider before applying. Annual charges, cashback limits, excluded transactions, eligibility requirements and repayment conditions are equally important.

In this guide, we explain the Flipkart Axis Bank Credit Card features, cashback structure, fees, eligibility criteria, application process, advantages and limitations to help you decide whether it is suitable for your spending habits in 2026.

Flipkart Axis Bank Credit Card: Overview

The Flipkart Axis Bank Credit Card is a shopping-focused credit card that offers cashback instead of a traditional reward-points system. Cashback earned through eligible transactions is credited directly to the credit card statement, making it relatively easy for customers to understand and use their benefits.

The card is particularly relevant for customers who regularly shop on Flipkart and Myntra or book travel through Cleartrip.

Key Card Details

Feature	Details
Card Name	Flipkart Axis Bank Credit Card
Issuing Bank	Axis Bank
Partner Platforms	Flipkart, Myntra and Cleartrip
Card Network	Check the network offered during application
Myntra Cashback	7.5%
Flipkart Cashback	5%
Cleartrip Cashback	5%
Preferred Merchant Cashback	4%
Other Eligible Purchases	1%
Cashback Credit	Direct credit to card statement
Joining Fee	₹500
Annual Fee	₹500 from the second year onwards
Annual Fee Waiver	Eligible annual spends above ₹3.5 lakh
Fuel Surcharge Waiver	1%, subject to conditions
EMI Facility	Available on eligible purchases

Fees and benefits are based on the Axis Bank information available in November 2026. Offers and charges may change, so applicants should verify the latest terms before applying.

Flipkart Axis Bank Credit Card Cashback Benefits in 2026

The main attraction of this credit card is its cashback structure. Instead of collecting reward points and later converting them into vouchers, customers receive cashback directly in their credit card statements.

Here is a breakdown of the major cashback categories.

1. 7.5% Cashback on Myntra

Myntra is one of the important partner platforms associated with this credit card.

Cardholders can earn 7.5% cashback on eligible Myntra purchases. This benefit can be useful for customers who regularly purchase clothing, footwear, accessories and other fashion products.

The maximum cashback available under this category is ₹4,000 per statement quarter.

For example:

Eligible Myntra spending: ₹5,000
Cashback rate: 7.5%
Cashback earned: ₹375

If you spend ₹10,000 on eligible purchases, the cashback would be ₹750, subject to the quarterly limit and applicable conditions.

This feature makes the card attractive for frequent Myntra shoppers.

2. 5% Cashback on Flipkart Purchases

Flipkart customers can earn 5% cashback on eligible purchases made through the platform.

This benefit can be useful when purchasing:

Smartphones and electronics
Home appliances
Fashion products
Kitchen accessories
Home and lifestyle products
Other eligible products

The maximum cashback is ₹4,000 per statement quarter for Flipkart spending.

For example, if you make eligible purchases worth ₹10,000 on Flipkart, you can earn ₹500 cashback.

However, cashback eligibility depends on the merchant transaction classification and the bank’s applicable terms.

3. 5% Cashback on Cleartrip

The credit card also provides 5% cashback on eligible Cleartrip transactions.

This can benefit customers who use Cleartrip for travel bookings, including eligible flight and hotel reservations.

For example:

Cleartrip spending: ₹8,000
Cashback rate: 5%
Cashback earned: ₹400

The maximum cashback is ₹4,000 per statement quarter for Cleartrip transactions.

This benefit provides additional value to customers who regularly book travel through the platform.

4. 4% Cashback on Preferred Merchants

Apart from its major shopping partners, the card offers 4% cashback on selected preferred merchants.

The preferred merchant list can change, so customers should check the current list on Axis Bank’s official website.

Only eligible transactions made through the applicable merchant channels qualify. For example, eligible food-delivery transactions on the Swiggy app can receive accelerated cashback, while services such as Instamart and Genie do not qualify for this accelerated rate under the published cashback terms.

The bank describes this category as having unlimited cashback, subject to applicable transaction conditions.

5. 1% Cashback on Other Eligible Purchases

Customers can also earn 1% cashback on other eligible purchases that do not fall under the accelerated cashback categories.

This provides some additional value beyond Flipkart, Myntra and Cleartrip shopping.

However, several transaction categories are excluded from cashback. Therefore, customers should not assume that every credit card payment will earn cashback.

Cashback Calculation: How Much Can You Save?

Understanding the cashback calculation can help you estimate the value of this credit card.

Consider the following example of monthly spending:

Spending Category	Monthly Spend	Cashback Rate	Cashback
Flipkart	₹5,000	5%	₹250
Myntra	₹3,000	7.5%	₹225
Cleartrip	₹2,000	5%	₹100
Other eligible purchases	₹10,000	1%	₹100
Total	₹20,000		₹675

In this example, the customer earns ₹675 cashback on ₹20,000 of eligible monthly spending.

The actual cashback may differ depending on merchant classification, quarterly limits, refunds, EMI conversions and excluded transactions.

Customers should also remember that cashback is generally credited to the card statement in the next billing cycle, rather than immediately after making a purchase.

Flipkart Axis Bank Credit Card Fees and Charges

Before applying for any credit card, it is important to understand its joining fee, annual fee and other charges.

The Flipkart Axis Bank Credit Card has a joining fee of ₹500 and an annual fee of ₹500 from the second year onwards, according to the bank’s published fee schedule.

Fee Type	Charges
Joining Fee	₹500
Annual Fee	₹500
Annual Fee Waiver	Eligible annual spends above ₹3,50,000
Cash Withdrawal Fee	2.5%, minimum ₹500
Foreign Currency Markup	3.5%
Finance Charges	3.75% per month
Cash Payment Fee	₹175
Over-limit Fee	2.5% of over-limit amount, minimum ₹500

Applicable taxes, including GST, are additional wherever required.

Annual Fee Waiver

Customers can avoid the ₹500 annual fee by meeting the eligible annual spending requirement of more than ₹3.5 lakh.

However, not every transaction counts towards this requirement. Rent and wallet-load transactions are excluded from the annual fee waiver calculation.

The bank calculates eligible spending based on the transaction posting date, not simply the date on which the purchase was made.

Customers should therefore monitor their spending and complete the required eligible transactions before the card anniversary date.

Interest and Late Payment Charges

Paying only the minimum amount due does not mean that the remaining balance is interest-free.

Axis Bank lists finance charges of 3.75% per month, equivalent to approximately 55.55% per annum.

Late payment charges depend on the outstanding amount.

Customers should always try to pay the total amount due by the payment deadline to avoid unnecessary interest and penalties.

Welcome Benefits of Flipkart Axis Bank Credit Card

The card also provides selected welcome benefits to eligible new customers.

According to the bank’s published information, these include:

A Flipkart voucher worth ₹250 after making the first transaction within 30 days of card issuance, subject to eligibility.
A 50% discount of up to ₹100 on eligible Swiggy food orders for first-time Swiggy users using the specified promotional code.

The bank lists total activation benefits worth ₹350.

An important condition is that the ₹250 Flipkart voucher is not available on first-year-free cards. The Swiggy welcome offer is available to both paid and first-year-free cards, subject to its terms.

Customers should verify the offer’s validity and redemption conditions before expecting these benefits.

Additional Features and Benefits

1. Fuel Surcharge Waiver

The card provides a 1% fuel surcharge waiver at eligible fuel stations across India.

Important conditions include:

Eligible fuel transactions must be between ₹400 and ₹4,000.
The maximum waiver is ₹400 per statement cycle.
GST charged on the fuel surcharge is not refundable.
Fuel purchases do not earn cashback.

This benefit can help reduce certain fuel-related charges, but the card is not primarily designed as a fuel rewards card.

2. Dining Delights Programme

Axis Bank offers dining-related discounts through its Dining Delights programme.

Eligible cardholders may receive discounts at participating restaurants. The actual discount depends on the restaurant, offer availability, minimum bill requirements and programme conditions.

Customers should check the participating restaurant list before using this benefit.

3. EMI Conversion Facility

Eligible purchases above ₹2,500 may be converted into EMIs by contacting Axis Bank, subject to the bank’s approval and applicable terms.

This facility can help customers divide the cost of larger purchases into instalments.

However, EMI transactions may not qualify for regular cashback. Customers should check the interest rate, processing fee and total repayment amount before choosing EMI conversion.

4. Wednesday Delight Offers

The bank also lists Wednesday Delight offers for selected services.

These can include promotional discounts on:

MakeMyTrip flight and hotel bookings
Swiggy orders
Tira purchases

Offer limits, participating merchants and validity periods may change. Customers should check the current offer conditions before making a payment.

Cashback Exclusions: Which Transactions Do Not Earn Cashback?

One of the most important things to understand before applying is the cashback exclusion list.

The Flipkart Axis Bank Credit Card does not provide cashback on several transaction categories, including:

Fuel purchases
Utility payments
Telecom payments
Insurance payments
Rental payments
Wallet loading transactions
Educational services
Government payments
Jewellery purchases
Financial institution transactions
Cash advances
Credit card fee payments
Outstanding balance payments
Eligible EMI transactions and purchases converted into EMI

Purchases of gift cards on Flipkart and Myntra are also excluded under the applicable cashback terms.

Some excluded categories may also attract additional transaction fees after specified spending thresholds.

For example, the bank lists additional charges on certain utility, wallet-load, education, fuel and online skill-based gaming transactions.

It is important to understand that a transaction can be excluded from cashback even when the merchant accepts the credit card.

The bank determines cashback eligibility using merchant category information and merchant IDs. Therefore, customers should read the latest cashback terms before relying on a particular transaction for rewards.

Flipkart Axis Bank Credit Card Eligibility Criteria

Axis Bank publishes indicative eligibility requirements for applicants.

The primary cardholder should:

Be between 18 and 70 years of age.
Be a resident of India.
Meet the bank’s internal credit and income assessment requirements.

The bank may consider several additional factors while evaluating an application, including:

Monthly or annual income
Employment and occupation
Credit history
Existing credit card obligations
Credit score
Repayment behaviour
Current financial commitments

Meeting the basic eligibility criteria does not guarantee approval.

Axis Bank has the final authority to approve or reject a credit card application.

Documents Required for Application

Applicants may be asked to provide the following documents:

Identity and PAN details

PAN card or Form 60, where applicable.

Income proof

Latest salary slip
Form 16
Income tax return, where applicable

Address proof

Driving licence
Electricity bill
Landline telephone bill
Other accepted address documents

The exact documentation requirements can vary depending on the applicant’s profile and the bank’s verification process.

Some applications may be completed through digital verification.

How to Apply for Flipkart Axis Bank Credit Card Online

Customers can apply through Axis Bank’s official website by following these steps:

Visit the official Axis Bank credit card website.
Search for Flipkart Axis Bank Credit Card.
Select the application or check-eligibility option.
Enter your mobile number and other requested details.
Complete the required verification process.
Provide income, employment and address information.
Upload documents if requested.
Review the application details and submit the form.
Wait for the bank to complete its verification and application assessment.

If the application is approved, the bank will provide further information about card issuance and delivery.

Official application page: https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card

Customers should apply only through the official bank website or an authorised application channel.

Advantages of Flipkart Axis Bank Credit Card

The card has several advantages for customers who regularly use its partner platforms.

1. Attractive Myntra Cashback

The 7.5% cashback rate is useful for customers who frequently purchase fashion products through Myntra.

2. Cashback on Flipkart

The 5% cashback benefit can make eligible Flipkart shopping more rewarding.

3. Additional Travel Cashback

Customers can earn 5% cashback on eligible Cleartrip purchases.

4. Direct Statement Credit

Cashback is credited directly to the credit card statement, making redemption straightforward.

5. Preferred Merchant Benefits

The 4% cashback category extends its benefits to selected merchants beyond the main shopping platforms.

6. Fuel Surcharge Waiver

The card provides a limited fuel surcharge waiver on eligible transactions.

7. EMI Facility

Eligible purchases can be converted into EMIs, subject to bank approval and applicable charges.

Disadvantages of Flipkart Axis Bank Credit Card

Despite its cashback benefits, the card has some limitations.

1. Annual Fee

The ₹500 annual fee from the second year onwards may not be worthwhile for customers with limited eligible spending.

2. Cashback Limits

Myntra, Flipkart and Cleartrip cashback are subject to separate quarterly limits of ₹4,000 per merchant.

3. Limited Cashback on Everyday Payments

Several regular payment categories, including utilities, fuel, insurance and rent, do not earn cashback.

4. No Cashback on Fuel

Although a fuel surcharge waiver is available, fuel purchases do not earn cashback.

5. High Interest Charges

Carrying an outstanding balance can make credit card usage expensive.

6. Merchant-Specific Benefits

The best cashback rates depend on using particular platforms and eligible merchants.

Customers who rarely shop on Flipkart, Myntra or Cleartrip may receive less value from the card.

Is Flipkart Axis Bank Credit Card Worth It in 2026?

Whether this card is worth applying for depends on your spending habits.

It can be a suitable option for customers who regularly shop on Flipkart and Myntra and book travel through Cleartrip.

For example, a customer who spends regularly on Myntra can benefit from the 7.5% cashback rate. Similarly, frequent Flipkart shoppers can earn 5% cashback on eligible purchases.

However, customers who mainly spend on groceries, utility bills, fuel, rent and insurance may not receive the same value.

The annual fee should also be considered. If your eligible spending is not sufficient to generate meaningful cashback, paying the annual fee may reduce the overall benefit.

The best approach is to calculate your expected annual cashback before applying rather than choosing a card simply because it advertises a high cashback percentage.

Who Should Apply for This Credit Card?

The Flipkart Axis Bank Credit Card may be suitable for:

Regular Flipkart shoppers.
Frequent Myntra customers.
Customers who book eligible travel through Cleartrip.
Online shoppers looking for direct statement cashback.
Customers who can comfortably pay their full credit card bills every month.

It may not be the best choice for:

Customers who rarely shop on partner platforms.
People looking primarily for fuel cashback.
Customers looking for extensive airport lounge access.
People who want cashback on rent and utility payments.
Customers who cannot manage monthly credit card repayments responsibly.

Frequently Asked Questions

1. What is the cashback rate of Flipkart Axis Bank Credit Card?

The card offers 7.5% cashback on eligible Myntra purchases, 5% on Flipkart and Cleartrip, 4% on selected preferred merchants and 1% on other eligible transactions.

2. What is the joining fee?

The published joining fee is ₹500. Applicants should check whether a separate promotional first-year-free offer is available at the time of application.

3. Is the Flipkart Axis Bank Credit Card free for a lifetime?

It is not generally a lifetime-free credit card. The standard annual fee is ₹500 from the second year onwards, subject to applicable waiver conditions.

4. What is the annual fee waiver condition?

The annual fee can be waived when eligible annual spending exceeds ₹3.5 lakh. Certain transactions, including rent and wallet loads, are excluded from the calculation.

5. How is cashback credited?

Eligible cashback is credited directly to the credit card statement, generally in the next billing cycle according to the bank’s cashback terms.

6. Is there a cashback limit?

Yes. Cashback on Flipkart, Myntra and Cleartrip is capped at ₹4,000 per statement quarter for each merchant category. Preferred merchant and other eligible purchase cashback is described as unlimited, subject to the applicable conditions.

7. Does this card provide cashback on fuel?

No. Fuel transactions do not earn cashback. However, eligible fuel transactions may qualify for a 1% fuel surcharge waiver.

8. Can I convert purchases into EMIs?

Yes. Eligible transactions above ₹2,500 may be converted into EMIs through Axis Bank, subject to approval and applicable charges.

9. Is the card suitable for online shopping?

Yes. It is particularly useful for customers who frequently shop on Flipkart and Myntra and can take advantage of the eligible cashback categories.

10. Does the card provide airport lounge access?

Customers should not assume that lounge access is included. Check the latest official card benefits and terms before applying if airport lounge access is important to you.

11. What happens if I convert a purchase into EMI?

Cashback associated with a transaction converted into EMI may be reversed according to the bank’s terms. Customers should check the EMI conditions before converting a purchase.

12. Can I apply online?

Yes. Customers can submit an application through the official Axis Bank website, subject to eligibility and the bank’s verification process.

Final Verdict

The Flipkart Axis Bank Credit Card can be a useful cashback option for customers who regularly shop on Flipkart and Myntra and use Cleartrip for travel bookings.

Its 7.5% Myntra cashback, 5% cashback on Flipkart and Cleartrip, and 4% cashback on selected preferred merchants make it attractive for the right spending profile.

However, the cashback exclusions, quarterly limits and annual fee should not be ignored. It is not an all-purpose cashback card, and customers who mainly spend on excluded categories may receive limited benefits.

Before applying, compare the card’s benefits with your actual monthly spending, review the latest fees and conditions, and make sure you can repay your full statement balance on time.

Our recommendation: Consider this card if Flipkart, Myntra and Cleartrip account for a meaningful portion of your regular spending. If your spending is spread across several everyday categories, compare other cashback credit cards before making a decision.

Important Disclaimer

MoneySaving.info provides independent educational and informational content to help readers understand financial products and make informed decisions. We are not a bank, lender or financial adviser, and this article should not be considered personalised financial advice.

Credit card fees, cashback rates, eligibility requirements, promotional offers and terms may change at the bank’s discretion. Readers should verify all current information directly with Axis Bank before applying.

Credit card approval is subject to the bank’s internal policies and eligibility assessment. Use credit responsibly and pay your total outstanding balance by the due date to avoid interest and additional charges.

MoneySaving.info Editorial Team

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