Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card is one of the best in segment cashback credit card among its competitor in the credit card market. Credit Card holder can earn unlimited 5% cashback on Flipkart and Cleartrip spends, 4% cashback on Preferred Merchants, 1% cashback on other eligible Categories.
Flipkart Axis Bank Credit Card 4 complimentary lounge visits to domestic lounges on minimum spends of Rs. 50,000 in previous 3 months
In this blog, we have compiled this credit card’s many features, benefits, and fees. We have also discussed the eligibility criteria and application process for getting Flipkart Axis Bank Credit Card.
Flipkart Axis Bank Credit Card
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Rs. 500 + GST
Rs. 500 + GST
Shopping
Cashback
Movie & Dining
15% Up to ₹500 Off at Partner Restaurants With Axis Bank Dining Delights Program
Rewards Rate
5% Cashback on Flipkart & Cleartrip, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, and cult.fit), and 1% Cashback on All Other Spends
Reward Redemption
N/A
Travel
Accelerated Cashback (4%) on Uber Rides
Domestic Lounge Access
1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Spend-Based Waiver
Annual fee waived on spends of Rs. 3.5 lakhs
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (55.55% annually)
Fuel Surcharge
1% surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).
Cash Advance Charges
2.5% (Minimum of ₹500)
- Welcome gifts worth ₹600.
- 5% cashback on Flipkart and ClearTrip.
- 4% cash back on preferred partners, including Swiggy, Uber, PVR, and cult.fit
- 1% cashback on all other retail spends (with a few exceptions).
- 4 complimentary airport lounge access within India on spends of ₹50,000 in the previous three months.
- 1% fuel surcharge waiver across petrol pumps in India for purchases worth ₹400 and ₹4,000. The maximum waiver is ₹400 per statement cycle.
Pros
- Flipkart Axis Bank Credit Card offers a very good reward rate of 5% on all spends on the e-commerce website Flipkart. Apart from Flipkart, you also get a good reward rate of 4% on spends at partner merchants, including famous names like Swiggy, Uber, PVR, and cult.fit.
- Another advantage of the Flipkart Axis Credit Card limit is that the card rewards you with cashback, which is directly adjusted against the card’s statement balance every month. Also, there is no upper limit on the amount of cashback that can be earned on the Flipkart Axis Bank Credit Card in a given month.
Cons
- Flipkart Axis Bank Credit Card is definitely one of the best credit cards as far as online shopping is concerned, mainly if you prefer Flipkart for most of your purchases. You also get a cashback of 4% on online food delivery via Swiggy and on Uber rides. However, if you are someone who loves shopping offline at shopping malls or other small retail stores, Flipkart Axis Card is not the best pick for you as you get a cashback of 1% on offline spends.
- Flipkart Axis Bank Credit Card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Flipkart Axis Bank Credit Card Features and Benefits
Here is a list of benefits you can expect from Flipkart Axis Bank Credit Card Credit Card:
Welcome Benefits
Cardholder can avail welcome benefits worth Rs. 600 as
Flipkart Axis Bank Credit Card 4 complimentary lounge visits to domestic lounges on minimum spends of Rs. 50,000 in previous 3 months
In this blog, we have compiled this credit card’s many features, benefits, and fees. We have also discussed the eligibility criteria and application process for getting Flipkart Axis Bank Credit Card.
- Flipkart voucher worth Rs. 500 on making the first transaction within 30 days from card issuance
- 50% discount up to Rs. 100 on the first transaction for new Swiggy customers using code “AXISFKNEW“
CashBack Benefits
Flipkart Axis Bank Credit Card offers various cashback offers to the cardholders
- Unlimited 5% cashback on Flipkart and Cleartrip spends
- Unlimited 4% cashback on preferred merchants (cult.fit, PVR, Swiggy, Uber)1
- Unlimited 1% cashback on transactions apart from Flipkart & preferred merchants2,
Other Features & Benefits
- Lounge Access:
1 complimentary domestic lounge visit every quarter (Max. 4 in a year) on spending min. Rs. 50,000 during the previous quarter.
- Fuel Surcharge Waiver:
1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000 (Maximum waiver of Rs. 400 in a month).
- Dining Benefit:
Up to 15% discount (Max. Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights programme.
- EMI Conversion:
Convert transactions above Rs. 2,500 into easy EMIs through phone banking.
Joining and Annual Fees
Joining Fee: Rs. 500
Annual Fee: 2nd year Onwards Rs. 500 Annual Fee Waived off on Annual Spends Greater Than Rs. 3,50,000
Other Charges:
- Finance Charges: 3.75% per month (or 55.55% per annum) on unpaid balances.
- Cash Withdrawal Fee: 2.5% of the amount withdrawn (minimum Rs. 500).
- Fee for Cash Payment: 175
- Late Payment Fee:
- Rs. 0 for outstanding amounts up to Rs. 500.
- Rs. 500 for outstanding amounts between Rs. 501 and Rs. 5,000.
- Rs. 750 for outstanding amounts between Rs. 5,001 and Rs. 10,000.
- Rs. 1,200 for outstanding amounts above Rs. 10,000.
- Over Limit Penalty : 2.5% of the overlimit amount (Min. Rs 500)
- Cheque Return or dishonor fee or auto-debit reversal:2% of the payment amount subject to Min. Rs 500
- Foreign Currency Transaction Fee- 3.50% of the transaction value
Flipkart Axis Bank Credit Card Eligibility Criteria
Here are the Flipkart Axis Bank Credit Card eligibility criteria that must be met before you apply for one:
- Age: Between 18 and 70 years.
- Residency: Indian resident.
How do you apply for an Flipkart Axis Bank Credit Card?
Follow these online and offline application process steps to acquire one Flipkart Axis Bank Credit Card
Online Application Process:
- Visit the official Axis Bank website.
- Navigate to the Credit Cards section and select the ‘Axis Bank Atlas Credit Card.
- Click ‘Apply Now’ to complete the required personal and financial details.
- Upload necessary documents (ID proof, address proof, and income proof).
- Submit your application and wait for approval.
Offline Application Process:
- Visit the nearest Axis Bank branch.
- Fill out the credit card application form.
- Submit the form along with the necessary documents.
- Wait for verification and approval from the bank.
Flipkart Axis Bank Credit Card Customer Care
For queries related to the Axis Bank Atlas Credit Card, you can contact Axis Bank customer support:
- Toll-free Number: 022 6855 4000
- Alternate Contact: 1860 419 5555 / 1860 500 5555
- Email: Available through the contact form on the official website.
Branch Visit: Visit the nearest Axis Bank branch for direct assistance.
Bottom Line
The Flipkart Axis Bank Credit Card is basically for the saving friendly customers one who is fond of digital shopping and savings lover. Cardholder who wants to spend while getting rewards and cashback it is one of those cards. Flipkart Axis Bank Credit Card offers cashback benefits, dining out benefits, lounge access, Fuel Surcharge Waiver and various other benefits.
However, if you frequently travel internationally or need premium benefits this card is all you need
FAQs
The Flipkart Axis Bank Credit Card is basically for the saving friendly customers one who is fond of digital shopping and savings lover. Cardholder who wants to spend while getting rewards and cashback it is one of those cards. Flipkart Axis Bank Credit Card offers cashback benefits, dining out benefits, lounge access, Fuel Surcharge Waiver, Convert purchases to EMI and various other benefits.
Download Axis bank mobile app. Login with your net banking credentials, click Credit Cards > Check for limit increase. If your card is eligible, the card number will be displayed, selecting which you can raise a request. In case, it's not eligible, you will see a prompt message saying the same
Flipkart Axis Bank Credit Card cashback is credited to your account three days before the statement generation date. This means that if your statement date is the 15th of the month, you'll receive your cashback on the 12th of the following month
To close an Axis Bank credit card, you can call customer care, visit an Axis Bank branch, or write to the bank.
- By calling customer care
- By visiting an Axis Bank Branch
- By writing to the bank
Pros
- Accelerated cashback (5%) for all Flipkart users
- Welcome benefits worth Rs. 600, exceeding the joining fee
- Good cashback rate across accelerated categories
- Unlimited cashback without any capping
Cons
- Low cashback on non-accelerated categories
- Long list of exclusions from rewards program
- Not suitable for users seeking benefits on offline shopping or non-brand benefits
- High annual fee waiver condition for an entry-level card