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Flipkart Axis Bank Card
The Flipkart Axis Bank Card is one of India's most widely held co-branded cards, built for shoppers who spend heavily on Flipkart, Myntra and Cleartrip: 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip (each capped at ₹4,000 per quarter) plus unlimited 4% on preferred partners like Swiggy, Uber and PVR, and 1% everywhere else. At ₹500 annual fee waived above ₹3.5L yearly spend, it's an easy first card for anyone whose spending is already concentrated in the Flipkart ecosystem, less compelling for those who aren't.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: None
Benefits by category
- 🛍️ Shopping
5% reward rate (capped ₹4,000/quarterly)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹4,000 transactions, up to ₹400 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,50,000
- Rewards redemption fee: Cashback is credited automatically as statement credit within 5 days; no redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- ₹350 of activation benefits: ₹250 Flipkart voucher on first transaction within 30 days (paid-fee cards only) plus 50% off up to ₹100 on Swiggy for first-time users
- 7.5% cashback on Myntra (₹4,000 cap per statement quarter), 5% on Flipkart and Cleartrip (₹4,000 cap per quarter per merchant), unlimited 4% on preferred merchants and unlimited 1% on other eligible spends
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions, up to ₹400 per statement cycle
Pros
- + 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip (₹4,000 per quarter caps)
- + Unlimited 4% cashback on preferred merchants such as Swiggy, Uber and PVR
- + Low ₹500 annual fee, waived once annual spend crosses ₹3.5L
- + ₹350 of welcome benefits (Flipkart voucher plus Swiggy offer)
Cons
- − Real value is concentrated in the Flipkart, Myntra and Cleartrip ecosystem, and each of those categories is capped at ₹4,000 cashback per quarter
- − 1% base cashback on general spend is unremarkable compared to other entry-level cards
- − No complimentary airport lounge access listed on the issuer's current feature list
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