Axis Flipkart Credit Card Review: Best for Flipkart Shoppers?
Jaspal Singh
Author
Axis Flipkart Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | ₹500 (waived on ₹3.5L annual spend) |
| Myntra Cashback | 7.5% (capped at ₹4,000/quarter) |
| Flipkart Cashback | 5% (capped at ₹4,000/quarter) |
| Partner Cashback | 4% (Swiggy, Uber, PVR, Tata 1mg) |
| Other Spends | 1.5% |
| Lounge Access | 4 free domestic visits/year |
What We Like
- 7.5% on Myntra is industry-best. No other card gives this rate on fashion shopping.
- 5% on Flipkart — direct statement credit, not confusing points.
- 4 free lounge visits at just ₹500/year is exceptional value.
- 1.5% base rate on everything else — higher than most competitors’ base rate.
What Could Be Better
- Quarterly caps are tight. ₹4,000/quarter on Flipkart means you max out at ₹80,000 spending per quarter.
- Amazon shoppers get nothing extra. If you shop more on Amazon than Flipkart, the HDFC Millennia is better.
- Fee waiver threshold is high. ₹3.5 lakh/year (₹29,167/month) is steep for casual users.
How to Get the Most From the Axis Flipkart Card
- Do your fashion shopping on Myntra to earn the industry-best 7.5% (up to ₹4,000 a quarter).
- Buy on Flipkart for a straightforward 5% statement credit, and use partner brands (Swiggy, Uber, PVR, Tata 1mg) for 4%.
- Put everyday spends on it too — the 1.5% base rate beats most rivals' base earn.
Fees, Charges & Eligibility
The Axis Flipkart Card's ₹500 fee is waived if you spend ₹3.5 lakh a year, and its cashback is paid as a direct statement credit rather than confusing points.
Beyond the annual fee, keep in mind the costs common to every credit card: interest of roughly 3.5% a month (about 42% a year) on any unpaid balance, a late-payment fee, and GST on charges. The golden rule never changes — pay your statement in full each month and the card costs you little or nothing.
Eligibility is straightforward: you generally need to be 18 or older with a steady income and a credit score around 750+. You can apply online in minutes with your PAN, Aadhaar and income proof. New to credit? Read our credit cards guide and compare options in our best credit cards roundup.
Our Verdict
If Flipkart and Myntra are your primary shopping platforms, this is your card. The 7.5% Myntra rate alone justifies the ₹500 fee. Add 4 lounge visits and 1.5% base cashback, and it’s hard to beat at this price.
Rating: 4.3/5 — Best for Flipkart/Myntra shoppers, less useful for Amazon fans.
Apply for Axis Flipkart CardDisclaimer: This review is for educational purposes only. We may earn a commission if you apply through our link, at no extra cost to you.
Frequently Asked Questions
Is the Axis Flipkart Card worth it?
If you shop on Flipkart or Myntra regularly, yes — 7.5% on Myntra and 5% on Flipkart are class-leading, and four free lounge visits at ₹500 a year is excellent value.
How is the cashback paid?
As a direct statement credit, not reward points — simpler to track and impossible to devalue.
Is the annual fee waived?
Yes, the ₹500 fee is waived on annual spends of ₹3.5 lakh.
What is the base reward rate?
1.5% on non-partner spends, which is higher than the base rate on most competing cards.
