Flipkart Axis Bank Credit Card

A Flipkart Axis Bank credit card is one of the most chosen Axis Bank credit cards by customers who are used to making purchases from the e-commerce platform Flipkart. This credit card comes with various offers and cashback options. Axis Bank’s Flipkart credit card offers you an instant 5% off on shopping transactions from Flipkart. The best feature about this credit card is that there is no limit for earning cashbacks through this card.

Moreover, the Flipkart Axis Bank credit card offers instant 4% cashback on listed merchants such as Swiggy, cleartrip, PVR, cult.fit, and Uber. On making transactions between INR 400 to 4,000 for fuel transactions, you can get a surcharge of 1%. The joining fee of this credit card is INR 500 excluding GST charges. From the second year onwards, an annual charge of INR 500, excluding GST, is charged.

Flipkart Axis Bank Credit Card : Feed and Charges

Axis Bank’s Flipkart credit card charges INR 499 excluding GST as the joining fees, and after one year, the card charges annual fees of INR 500 excluding GST. Annual fees are waived off on spending INR 3.5 lakhs.

Under foreign currency markup, you will be charged 3% of the total amount made through the credit card on international spending.

The bank charges 2.5% interest on taking advance cash on a minimum withdrawal of INR 500.

Flipkart Credit Card Details

• Flipkart credit card comes with a welcome benefit of gifts worth INR 600 on making the first transaction with the card.
• Get instant 5% cashback on Flipkart shopping
• Get 4% instant cashback on preferred merchants.
• Get 1% cashback on other spends done for retail
• Get four complimentary domestic airport lounge access every year
• On spending INR 400 to 4,000 for fuel across various petrol pumps in India, you get a fuel surcharge of 1%.

Advantages and Disadvantages of Flipkart Credit Card

Advantages	Disadvantages
The credit card offers a good reward rate of 5% cashback for all spends made through the card on the e-commerce platform Flipkart. Moreover, 4% cashback on partner merchants such as Uber, Swiggy, and others and 1% cashback on spending through the card on various categories of retail spending.	The Flipkart Axis Bank credit card is not suitable for those who want to go shopping in malls. You can only receive 1% cashback on spending in retail stores.
Flipkart Axis Bank credit card allows you to adjust your cashback for payment of utility bills or other payments. Moreover, there is no capping on receiving cashback through this card.	On this card, you will not get coverage for loss of luggage, accidental coverage, or any insurance coverage.

Flipkart Axis Bank Credit Card Cashback Offer

This credit card comes with several cash back options for cardholders:

• The card offers a welcome benefit of gifts with INR 600 for cardholders.
• You can earn 5% cashback on spending money for the purchase of products through the e-commerce platform Flipkart.
• You can also earn 4% cash back from the credit card when you use the card with partnered companies such as Uber, PVR, and others.
• Get 1% cashback on spending money from the credit card to do recharges. The same cashback is applicable to other retail shops for the purchase of various items.

It needs to be noted that cashback offers are not applicable on certain items such as fuel, payments made for the purchase of EMI products, and payments for government services. Therefore, it is advisable to check out every detail of the card before choosing this credit card option. Your preferences might not be applicable to this credit card.

Welcome Benefits of Flipkart Axis Bank Credit Card

The Flipkart Axis Bank credit card comes with amazing rewards as welcome gifts. Here’s the complete detail on it:

Gift Voucher Worth INR 600

• You can earn gifts worth INR 600 as a welcome perk for being the cardholder of this credit card. However, you have to spend at least INR 100 to avail this welcome bonus.
• You can earn this voucher if you spend money within the first month of the card issue.
• Cardholders can receive the voucher over their email
• Car Holders of this credit card cannot redeem the voucher on cash or credit.

50% Off on Swiggy Orders

• Get instant 50% off on your first order through Swiggy
• The maximum discount capped on Swiggy orders is INR 100.
• To avail of this offer, the cart value of this order needs to be INR 129 or above.
• A cardholder can avail of this offer only once
• You can go to the Apply Coupon section and add this code “AXIS KNEW” to avail of the offer.

Dining and Movie Benefits of Flipkart Axis Bank Credit Card

• Under Axis Bank dining delight program, a cardholder can earn up to INR 500. This dining benefit can be earned on more than 10,000 restaurants partnered with Axis Bank. The bank started this program to ensure that the experience of cardholders using this credit card is good.
• Earn 4% cash back on orders made through the Swiggy application.
• Earn 4% cash back on movie tickets on PVR halls.

Travel Benefits on Axis Bank Flipkart Credit Card

• Get 4% cashback on Uber rides and 4 free domestic airport lounge access every year.
• If you book hotels and flight tickets through the Cleartrip application using Flipkart credit card, you can earn 4% cashback.

Flipkart Axis Bank Credit Card VS Other Bank Credit Cards

Reward Structure

Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
Flipkart Axis Bank credit card follows the structure of 5-4-1 for cashback. The cashback received by the card is adjusted every month based on the statement of the card.	Amazon Pay ICICI credit card follows a simple structure where the cashback amount is added to Amazon Pay account balance.

Reward Rate With Partners

Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
Axis Bank Flipkart credit card offers instant 5% cashback on Flipkart and 4% cashback on preferred merchants, which include Swiggy, Uber, PVR, cult-fit, and cleartrip.	This credit card offers 5% cashback on Amazon India, but only for Prime members. Along with this, it offers a 3% cashback reward for non-prime members using the card.

Reward Rate On Other Spends

Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
You also receive 1% cashback on spending on other categories through the credit card.	You also receive 1% cashback on spending on other categories through the credit card.

Cashback Max Cap

Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
There is no capping on this card’s rewards.	No capping limit on cash back earnings.

Membership Fee

Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
The membership fee of the credit card is INR 500 excluding GST charges.	There is no membership fee on this card. It is free for a lifetime.

Additional Benefits

Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
You will get complimentary airport lounge access four times a year. Along with this, you can earn 1% surcharge on spending 400 to 4,000 rupees on the card credit for fuel.	Under the ICICI culinary delight program, you can earn up to 15% discount with partner restaurants.

SBI Cashback Credit Card:

• Reward Structure: SBI Cashback Credit Card follows a simple structure where the cashback amount is added to the account balance every month.
• Reward Rate With Partners: With the SBI Cashback Credit Card, you get 5% cashback on all spending you make through the credit card.
• Reward Rate On Other Spends: You also receive 1% cashback on spending on other categories through the credit card.
• Cashback Max Cap: INR 5,000 per month
• Additional Benefits: Not applicable
• Membership Fee: The membership fee of this credit card is INR 999 excluding GST.

Why Choose the Flipkart Axis Bank Credit Card?

1. Welcome Perks: With a Flipkart Axis Bank credit card, you can earn a welcome gift voucher of INR 600.
2. Earn Cashback on All Transactions: With Flipkart Axis Bank Credit Card, you can earn cashback on every transaction you make with the card. On shopping over the e-commerce platform Flipkart, you can earn instant 5% cashback. Moreover, you earn 4% instant cashback for using the card to make transactions in association with the preferred merchants of the bank, such as Uber, PVR, and a few others. Also, get an instant 1% cashback on other spending.
3. Airport Complimentary Benefits: With this credit card, you can earn complimentary benefits of airport lounge access every year. However, the benefit can be redeemed only on spending INR 50,000 and above within the previous three months.
4. Fuel Surcharge: With a Flipkart credit card you can get a 1% fuel surcharge waiver on spending INR 400 to 4,000 within India. The GST charges for fuel are non-refundable. However, there is no cashback reward for fuel transactions.
5. Dining Delight: Axis Bank’s dining delight program is offered to its customers in various partner restaurants. You can earn up to 15% off on food within Indian-selected restaurants.
6. Convert to EMI Benefit: You can use up the money of this credit card and in case you do not have enough finance to manage the expense, you can easily convert your debt amount to EMI. You have spent more than 2,500 to earn this conversion to EMI benefit.

Updated Terms & Conditions of Flipkart Credit Card

• From 20 April 2024, all the transactions made on the card, excluding merchants’ purchases and cashback excluded categories, will be provided a base cashback of 1%.
• The benefits earned for the domestic airport lounge access will be offered based on the spending of your last three months. This change will be effective from May 1, 2024. The minimum spend required for getting this benefit is to spend at least 50,000 and above within three months.
• In case you have issued a card on 10 April, 2024 and you want to access the airport lounge, you can do it till July without any minimum spend limit. But, after this period, you have to spend 50,000 or above within the last 3 months.

Who Can Apply for a Flipkart Axis Bank Credit Card?

There are certain factors that Axis Bank considers while giving approval for the issue of this Flipkart credit card. Here’s a detailed understanding of this:

• Age Requirement: All of the applicants must be between the ages of 18 and 70 years. This means that both young adults and senior citizens will be able to use the card. This means that age verification will be done by presenting an identity-proof document.
• Minimum Income Requirement: The salaried employees must have an income of at least Rs.15,000 per month, and the self-employed must have an income of at least Rs.30,000 per month. Income proof documents are used to confirm the income of the applicant and this is something very important.
• Occupation: The card can be used by both employed individuals and business people who are self-employed. Due to this flexibility, a large number of people can be able to get the card as it does not have to be limited to individuals with perfect credit histories. A proof of employment or business operation will be requested during the application process.

Documentation Required for Flipkart Axis Bank Credit Card Approval

• Proof of Identity: The documents required are Identity proof: Aadhaar card, passport, Voter ID, PAN card or Driving licence. These are important documents that assist in the identification of the applicant as required by the law. It is enough to provide one document to prove the identity.
• Proof of Address: The required documents that can be provided for the address proof are an Aadhaar card, passport, Voter ID card, driving licence, utility bills and rental agreement. These documents are meant to confirm the address that the applicant is using. A single document to prove the address is required.
• Proof of Income: Salaried persons are required to submit their last salary slip, bank statements reflecting salary credit or Form 16/ITR. The self-employed are required to submit copies of the bank statements, income tax returns and business continuity plans. These documents assist in the confirmation of the financial standing of the applicant.
• Photograph: The following documents are required for the application: a recent passport-size photograph. It is used in the identification of individuals and also for credit card records. Make sure that the photograph is sharp and recent if at all possible.

Application Process for Flipkart Axis Bank Credit Card

1. Online Application: Prospective applicants need to access the Axis Bank or the Flipkart website, download the application form, and submit it with the required documents. This method is quite simple and can be done from the comfort of one’s home. This is because online applications are usually processed faster than the conventional methods of applying for a job.
2. Branch Visit: Applicants can also walk in to the nearest Axis Bank branch along with their form and necessary documents. This particular option enables the client to seek help in person. The branch staff members can assist in case there are any questions and confirm that all the needed documents have been provided.
3. Customer Service: In case of any difficulties, applicants should contact the customer care of Axis Bank. A customer service representative can assist the applicant through the process and address any concerns that they may have. This support helps in making the application process easier.

Recent Updates on Flipkart Axis Bank Credit Card

• With effect from April 20, 2024, all purchases made with FLIPKART AXIS BANK Credit Card, except for the purchases made on Flipkart, preferred merchants, and in cashback excluded categories, will attract a base cashback of 1% as against the previous rate of 1. 5%.
• The free airport lounge access will now depend on your spending in the last three calendar months. To be eligible for free access to the lounge from 01 May 2024 onwards, you have to have a minimum spend of Rs.50,000 in the last three months.
• Starting from February 15th, 2024, TataPlay will not be regarded as one of the preferred merchants for the Flipkart Axis Bank Credit Card. This implies that any and every eligible transaction done on TataPlay using the Flipkart Axis Bank Credit Card from February 15th, 2024, will only be entitled to the base cashback rate of 1%.

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