Flipkart Axis Bank Credit Card: A Complete In-Depth Review-2025

The Flipkart Axis Bank Credit Card has become one of India’s most popular cashback credit cards; it is a hit among online shoppers. It is designed in partnership between Axis Bank and Flipkart. This card is especially for Flipkart, Myntra and other lifestyle brands. This card keeps it simple, instant cashback, no confusing points or redemption drama.

But recent updates, along with airport lounge access and new cashback caps, have changed the card’s perceived value. So is it still worth getting? Let’s break it down.

Table of Contents

Key Features & Benefits

Overview

The Flipkart Axis Bank Credit Card is a co-branded cashback card, designed particularly for people who shop regularly on Flipkart, Myntra and preferred partner brands, with it offers flat cashback and simple rewards.

1)Cashback:

Flipkart & Cleartip: Get 5% cashback on Flipkart, up to Rs 4,000 every quarter.
Myntra: Myntra shopping just got sweeter: 7.5% cashback, up to Rs 4,000 per statement quarter.
Preferred Merchants: Swiggy, Uber, PVR and more, 4% cashback on your fave services.
All Other Spends: 1% cashback on eligible transactions.
Cashback straight to your credit card.

2)Welcome / Joining Benefits:

Joining fee of Rs 500.
Get a Rs 350 Flipkart voucher just for activating the card.
For Swiggy – first-timers, get 50% off (max Rs 100) with code AXISFKNEW.

3. Fees, Charges and Waivers

After the first year, Rs 500 annual fee kicks in.
Spend Rs 3.5 lakh+ in a year and your annual fee is waived.
Need cash? 2.5% fee (min Rs 500) for cash withdrawals.
Missed payment? 3.75% monthly interest (45.55% p.a.) kicks in.

4. Fuel and Surcharge Waiver

Fuel up with ease: 1% surcharge waived on Rs 400- Rs 4,000 transactions.
Save up to Rs 400 on fuel surcharges every cycle.

5. Other Perks

EMI Conversion: Big purchases over Rs 2,500 can be converted into EMIs.
Dining Offers: Dine out, save more with Axis Bank’s Dining Delights.
Changes in 2025: Airport lounge access gone as of June 20, 2025.
Cashback caps and timelines are now super clear.

6. Eligibility and Documentation

Age: 18–70 years.
To apply, you’ll need payslip, PAN & address proof.

Pros and Use Cases:

Pros

Frequent Flipkart shoppers, rejoice, this card is a cashback goldmine.
Myntra lovers, you’re in luck, 7.5% after June 2025 boosted cashback on Myntra.
Get rewarded on lifestyle, food and travel with preferred merchants.
Fuel surcharge waiver is a neat bonus for fuel spends (if you often put fuel on card).
EMI conversion helps with big-ticket purchases.

Apply now: https://wee.bnking.in/c/NWI2NWY3Z

Ideal Use Cases

Flipkart and Myntra your go-to? This card’s a no-brainer.
Book flights and hotels on Flipkart (Cleartrip partnership).
Get cashback beyond shopping: think food, travel and more.
You want a card where cashback isn’t just limited to shopping but extends to your preferred merchant ecosystem.
Spend Rs 3.5 lakh and you can avoid the annual fee.

Cons and Drawbacks

Cashback capped at Rs 4,000/quarter — not entirely unlimited.
Airport lounge access gone (from June 2025).
Exclusions: No cashback on rent, utilities and wallet reloads.
Super high interest — be ready if you carry a balance.
Rs 500 annual fee — worth it only if you shop a lot on Flipkart and Myntra.

Recent Changes (as of June 2025)

Myntra cashback bumped to 7.5%, up to Rs 4,000/quarter.
Flipkart and Cleartrip cashback capped at ₹4,000/quarter.
Cashback hits your account 3 days before statement date.
Removal of Airport lounge access (from June 2025)

Tips to Maximize the Card

Max out that Rs 4,000 cashback every quarter on Myntra and Cleartip/Flipkart.
Big Flipkart buys? Convert to EMI for easier payments.
When chasing cashback or fee waivers, avoid using the card for excluded categories (rent, wallet loads).
Time big buys right after statement date for max cashback.
Pay full balance as soon as possible unless you’re doing EMI.

Apply now: https://wee.bnking.in/c/NWI2NWY3Z

Verdict: Is it worth it?

The Flipkart Axis Bank Credit Card remains one of the strongest cashback cards if:

Flipkart and Myntra shoppings are regular for you.
Your spends will easily max out the cashback.
Not using this card for huge EMIs or big balances; interest is high.
Lounge access doesn’t matter to you – or you weren’t using the feature heavily.

If you do not spend more on online shopping and you don’t meet the high spending threshold for fee waiver, you can check other cashback or rewards cards from Axis or other banks like SBI cashback credit card, SBI simplySAVE creditcard, HDFC Millennia credit card.

Apply now: https://wee.bnking.in/c/NWI2NWY3Z

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1)SBI Cashback Credit Card-Rewards in every swipe-2025: SBI Cashback Credit Card-Rewards in every swipe-2025 – Merchant Blogger

2)SBI SimplySAVE Credit Card-Ultimate review-2025: SBI SimplySAVE Credit Card-Ultimate review-2025 – Merchant Blogger

3)HDFC Bank Millennia Credit Card Review 2025: Benefits, Cashback, Fees & Smart Usage Tips: HDFC Bank Millennia Credit Card Review 2025: Benefits, Cashback, Fees & Smart Usage Tips – Merchant Blogger