Axis Bank
Flipkart Axis Bank Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
1% cashback
Foreign Markup
3.5%
Welcome Benefits
Benefits Worth ₹350 on Card Issuance
Product Highlights
- 5% cashback on all eligible purchases made on Flipkart and ClearTrip.
- 7.5% cashback on Myntra.
- 4% cashback on preferred partners, including Swiggy, Uber, PVR, and cult.fit.
Category Rewards
shopping
5% Cashback
5%
Specialty
4% Cashback on Preferred Partners
4%
dining
4% Cashback on Partner Dining
4%
Fee Waiver
Annual fee waived on spends of ₹3.5L
Merchant-Specific Rewards
Flipkart
5% on Flipkart, Cleartrip, 2Gud
Cleartrip
5% on Flipkart, Cleartrip, 2Gud
2Gud
5% on Flipkart, Cleartrip, 2Gud
Swiggy
4% on preferred merchants
Uber
4% on preferred merchants
PVR
4% on preferred merchants
Cleartrip
4% on preferred merchants
Reward Calculator
Earns ₹4,450/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
₹5.0K
direct cashback
₹5.0K
via direct credit
Effective rate
2.63%
Annual fee
₹590
Year 1 net
+₹4,700
incl. welcome
Year 2+ net
+₹4,450
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Dynamic Currency Conversion (DCC) markup
1%Charged when a foreign merchant offers to bill you in INR — always decline DCC
Excluded from rewards
fuel, emi, wallet, cash advance, jewelry, gold, insurance, education, government, card fees
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, cult.fit), and 1% Cashback on All Other Spends.
Redemption
N/A
Benefits & Features
4% direct cashback on preferred partners, including Uber rides.
Pros & Cons
Pros
- High 5% cashback on Flipkart and ClearTrip.
- 7.5% cashback on Myntra.
- 4% cashback on preferred partners like Swiggy and Uber.
Cons
- 1% cashback on offline spends.
- No insurance benefits offered.
Additional Info
Important: Cashback does not apply to certain categories of transactions including fuel spends, rental payments, and insurance.
The card offers a lifetime free membership as a limited-time offer.
Cashback is directly adjusted against the card’s statement balance every month.
Capped at ₹4,000 for each platform.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹0.1L+
Self-Emp
₹0.3L+
Networks
Fee Waiver
Annual fee waived on spends of ₹3.5L