Axis Flipkart Credit Card
Axis Flipkart: judge the cashback benefits against your spending and renewal cost.
By Ash · Issuer source linked 2 October 2026
Check the issuer’s current card terms, availability and eligibility criteria.
check
Cashback is credited to the card statement. Axis's current cashback terms list 5% on Flipkart (website/app, excluding Flipkart Health) and Cleartrip, and 7.5% on Myntra; each merchant has its own ₹4,000 statement-quarter cashback cap. Preferred merchants earn 4% with no stated cap, but the list can change and accelerated cashback depends on merchant IDs; only Swiggy food-delivery orders in the Swiggy app qualify for that preferred-merchant tier, not Instamart or Genie. Other eligible merchants earn 1%. Utility, telecom, fuel, insurance, financial-institution, rent, wallet-load, education, government and specified jewellery/watch MCCs are excluded, as are Flipkart/Myntra gift cards, gold, EMI/post-facto EMI, cash advances, card payments/fees and charges. Returns and EMI conversions can reverse cashback; the issuer terms describe statement credit before the next statement. Fuel earns no cashback; a separate 1% surcharge waiver applies to ₹400–₹4,000 transactions, up to ₹400 per statement cycle, with fuel-surcharge GST not refunded. Axis currently advertises ₹350 in activation benefits: a ₹250 Flipkart voucher after a first transaction within 30 days on paid cards, plus 50% off up to ₹100 on a first Swiggy order for eligible first-time users. Axis states lounge access ended in June 2025.
Cash-value estimates are not enabled for this product. Its merchant, feature or redemption conditions need a separate model; published earn rules and non-cash benefits are shown below. Eligibility and excluded transaction types still matter even where no cap is recorded.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: Annual fee waived above ₹3.5L eligible annual spend; rent and wallet loads do not count..
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Why no automated estimate: Flipkart, Myntra and Cleartrip have separate ₹4,000 statement-quarter caps. Broad categories cannot identify those merchants or remaining quarterly balances.
Cashback is credited to the card statement. Axis's current cashback terms list 5% on Flipkart (website/app, excluding Flipkart Health) and Cleartrip, and 7.5% on Myntra; each merchant has its own ₹4,000 statement-quarter cashback cap. Preferred merchants earn 4% with no stated cap, but the list can change and accelerated cashback depends on merchant IDs; only Swiggy food-delivery orders in the Swiggy app qualify for that preferred-merchant tier, not Instamart or Genie. Other eligible merchants earn 1%. Utility, telecom, fuel, insurance, financial-institution, rent, wallet-load, education, government and specified jewellery/watch MCCs are excluded, as are Flipkart/Myntra gift cards, gold, EMI/post-facto EMI, cash advances, card payments/fees and charges. Returns and EMI conversions can reverse cashback; the issuer terms describe statement credit before the next statement. Fuel earns no cashback; a separate 1% surcharge waiver applies to ₹400–₹4,000 transactions, up to ₹400 per statement cycle, with fuel-surcharge GST not refunded. Axis currently advertises ₹350 in activation benefits: a ₹250 Flipkart voucher after a first transaction within 30 days on paid cards, plus 50% off up to ₹100 on a first Swiggy order for eligible first-time users. Axis states lounge access ended in June 2025.
PROS
- Useful accelerated cashback on eligible Flipkart, Myntra and Cleartrip spend
- Separate per-merchant quarterly caps
- Current Axis page advertises a limited-period NIL joining fee
CONS
- ₹500 annual fee from year two unless eligible annual spend exceeds ₹3.5L
- Preferred merchant list and accelerated cashback depend on merchant IDs
- Utilities, fuel and several other categories are excluded
- Fuel surcharge relief is separate from cashback and capped
- Lounge access discontinued June 2025
- Published earn rules: Cashback is credited to the card statement. Axis's current cashback terms list 5% on Flipkart (website/app, excluding Flipkart Health) and Cleartrip, and 7.5% on Myntra; each merchant has its own ₹4,000 statement-quarter cashback cap. Preferred merchants earn 4% with no stated cap, but the list can change and accelerated cashback depends on merchant IDs; only Swiggy food-delivery orders in the Swiggy app qualify for that preferred-merchant tier, not Instamart or Genie. Other eligible merchants earn 1%. Utility, telecom, fuel, insurance, financial-institution, rent, wallet-load, education, government and specified jewellery/watch MCCs are excluded, as are Flipkart/Myntra gift cards, gold, EMI/post-facto EMI, cash advances, card payments/fees and charges. Returns and EMI conversions can reverse cashback; the issuer terms describe statement credit before the next statement. Fuel earns no cashback; a separate 1% surcharge waiver applies to ₹400–₹4,000 transactions, up to ₹400 per statement cycle, with fuel-surcharge GST not refunded. Axis currently advertises ₹350 in activation benefits: a ₹250 Flipkart voucher after a first transaction within 30 days on paid cards, plus 50% off up to ₹100 on a first Swiggy order for eligible first-time users. Axis states lounge access ended in June 2025.
- Redemption choice: Cashback is credited to the card statement. Axis's current cashback terms list 5% on Flipkart (website/app, excluding Flipkart Health) and Cleartrip, and 7.5% on Myntra; each merchant has its own ₹4,000 statement-quarter cashback cap. Preferred merchants earn 4% with no stated cap, but the list can change and accelerated cashback depends on merchant IDs; only Swiggy food-delivery orders in the Swiggy app qualify for that preferred-merchant tier, not Instamart or Genie. Other eligible merchants earn 1%. Utility, telecom, fuel, insurance, financial-institution, rent, wallet-load, education, government and specified jewellery/watch MCCs are excluded, as are Flipkart/Myntra gift cards, gold, EMI/post-facto EMI, cash advances, card payments/fees and charges. Returns and EMI conversions can reverse cashback; the issuer terms describe statement credit before the next statement. Fuel earns no cashback; a separate 1% surcharge waiver applies to ₹400–₹4,000 transactions, up to ₹400 per statement cycle, with fuel-surcharge GST not refunded. Axis currently advertises ₹350 in activation benefits: a ₹250 Flipkart voucher after a first transaction within 30 days on paid cards, plus 50% off up to ₹100 on a first Swiggy order for eligible first-time users. Axis states lounge access ended in June 2025.
- Renewal decision: Axis currently lists a NIL joining fee as a limited-period offer and ₹500 annual fee from year two. Fees and offer eligibility can vary by application; taxes apply where charged. Annual fee waived above ₹3.5L eligible annual spend; rent and wallet loads do not count.. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
₹500 annual fee from year two unless eligible annual spend exceeds ₹3.5L. Preferred merchant list and accelerated cashback depend on merchant IDs. Utilities, fuel and several other categories are excluded. Fuel surcharge relief is separate from cashback and capped. Lounge access discontinued June 2025
How does Axis Flipkart earn rewards?
Cashback is credited to the card statement. Axis's current cashback terms list 5% on Flipkart (website/app, excluding Flipkart Health) and Cleartrip, and 7.5% on Myntra; each merchant has its own ₹4,000 statement-quarter cashback cap. Preferred merchants earn 4% with no stated cap, but the list can change and accelerated cashback depends on merchant IDs; only Swiggy food-delivery orders in the Swiggy app qualify for that preferred-merchant tier, not Instamart or Genie. Other eligible merchants earn 1%. Utility, telecom, fuel, insurance, financial-institution, rent, wallet-load, education, government and specified jewellery/watch MCCs are excluded, as are Flipkart/Myntra gift cards, gold, EMI/post-facto EMI, cash advances, card payments/fees and charges. Returns and EMI conversions can reverse cashback; the issuer terms describe statement credit before the next statement. Fuel earns no cashback; a separate 1% surcharge waiver applies to ₹400–₹4,000 transactions, up to ₹400 per statement cycle, with fuel-surcharge GST not refunded. Axis currently advertises ₹350 in activation benefits: a ₹250 Flipkart voucher after a first transaction within 30 days on paid cards, plus 50% off up to ₹100 on a first Swiggy order for eligible first-time users. Axis states lounge access ended in June 2025.
Are points and cashback the same?
Cashback is credited to the card statement. Axis's current cashback terms list 5% on Flipkart (website/app, excluding Flipkart Health) and Cleartrip, and 7.5% on Myntra; each merchant has its own ₹4,000 statement-quarter cashback cap. Preferred merchants earn 4% with no stated cap, but the list can change and accelerated cashback depends on merchant IDs; only Swiggy food-delivery orders in the Swiggy app qualify for that preferred-merchant tier, not Instamart or Genie. Other eligible merchants earn 1%. Utility, telecom, fuel, insurance, financial-institution, rent, wallet-load, education, government and specified jewellery/watch MCCs are excluded, as are Flipkart/Myntra gift cards, gold, EMI/post-facto EMI, cash advances, card payments/fees and charges. Returns and EMI conversions can reverse cashback; the issuer terms describe statement credit before the next statement. Fuel earns no cashback; a separate 1% surcharge waiver applies to ₹400–₹4,000 transactions, up to ₹400 per statement cycle, with fuel-surcharge GST not refunded. Axis currently advertises ₹350 in activation benefits: a ₹250 Flipkart voucher after a first transaction within 30 days on paid cards, plus 50% off up to ₹100 on a first Swiggy order for eligible first-time users. Axis states lounge access ended in June 2025.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. Annual fee waived above ₹3.5L eligible annual spend; rent and wallet loads do not count.. Exclude unused vouchers and promotional offers from your baseline.
Axis currently lists a NIL joining fee as a limited-period offer and ₹500 annual fee from year two. Fees and offer eligibility can vary by application; taxes apply where charged. Issuer fee schedule