Best Cashback Credit Cards in India (2026) — Save ₹5,000+ Every Year on Shopping & Bills

Table of Contents

Introduction – Why This Card Is So Popular in India?

The Flipkart Axis Bank Credit Card has become one of the most widely used cashback credit cards in India. The primary reason behind its popularity is simple: Indians shop online a lot, especially on Flipkart, Myntra, Swiggy, and Cleartrip. These platforms are part of millions of people’s monthly routine. For them, a card that gives 5% cashback on Flipkart and 4% on food, travel, and lifestyle spending becomes instantly useful.

This card targets users who want a credit card that doesn't confuse them with points, miles, or reward systems. Instead of giving complicated reward points, the Flipkart Axis Bank Credit Card gives direct cashback that automatically reduces the monthly bill. No calculation, no conversion chart, no hidden redemption fee — just pure cashback.

Many cards claim to be "best for online shopping," but when you compare their real-world value, the Flipkart Axis Bank Credit Card consistently comes out ahead for regular users.

 What Makes This Card Different?

There are hundreds of credit cards in India—travel cards, lifestyle cards, premium cards, co-branded cards, fuel cards, and cashback cards. But the Flipkart Axis Bank Credit Card stands out for three big reasons:
1. Extremely high cashback
Most entry-level cards offer 0.5%–1% cashback on general spending. But this card gives:
5% cashback on Flipkart and Myntra
4% cashback on popular brands like Swiggy, Uber, PVR, Tata Sky
1.5% cashback on other spends
This is something almost no other ₹500 fee card offers.
2. Cashback is unlimited
Many banks limit cashback to ₹200–500 per month.
This card has no limit.
You can earn ₹200 or even ₹4,000 cashback depending on your spending.
3. Cashback is auto-adjusted
No need to redeem points.
No need to visit any portal.
No expiry of points.
Whatever cashback you earn in a month is automatically deducted from the next bill.

 Cashback Categories: Full Explanation

This card has one of the most transparent cashback structures in India. Let’s break it down so every user understands the value clearly.
5% Cashback – Flipkart, Myntra, Cleartrip
Whenever you shop on these platforms using this credit card, you get 5% cashback.
This rate is massive because:
Most people shop frequently on Flipkart for mobiles, accessories, clothes, groceries.
Myntra users get fashion deals every month.
Cleartrip users get cashback on flights & hotels.
If a person spends ₹5,000 on Flipkart in a month, they get:
5% of 5,000 = ₹250 cashback instantly.
Multiply that by 12 months and one user can save ₹3,000+ yearly just from Flipkart purchases.

4% Cashback – Popular Lifestyle & Food Brands

This is the card’s most underrated advantage.
Users get 4% cashback on:
Swiggy
Uber
Tata Sky
PVR
Cure.fit
PharmEasy
Tata 1mg
Many lifestyle partners
These are brands we use every week.
For example:
₹2,000 Swiggy monthly food order = ₹80 cashback
₹1,000 Uber rides = ₹40 cashback
Combined monthly savings from partner brands becomes significant.

1.5% Cashback on All Other Spends

The card offers 1.5% cashback on nearly all other transactions. This is higher than:
SBI SimplyClick (0.25%–1%)
HDFC MoneyBack (0.25%)
ICICI Amazon Pay (1% general)
Even premium cards like HDFC Regalia give a reward rate lower than 1%.
This makes Flipkart Axis one of the highest general cashback cards under ₹500 annual fee.

 Transactions That Do NOT Earn Cashback

Some categories are excluded:
Wallet loads (Paytm/PhonePe wallet)
EMI converted transactions
Cash withdrawal
Fuel
Rent payments
Government payments (sometimes excluded)
These exclusions exist on almost every credit card in India, so this is normal.

 Annual Fee & Renewal Structure

The Flipkart Axis Bank Credit Card comes with:
₹500 joining fee
₹500 annual fee from next year
18% GST extra
But the amazing part is:
Annual Fee Waiver
If you spend ₹2,00,000 in a year, the next year’s ₹500 fee is waived.
If your average monthly spending is even ₹17,000, the card becomes practically free for life.

 Welcome Bonuses & Joining Gifts

Almost every time you apply through Flipkart, you get:
₹500 Flipkart voucher
Deals on Myntra
Partner gift coupons
These welcome gifts alone recover your joining fee.
Sometimes during special sales (Big Billion Day, New Year, Festival Sale), the joining fee is:
₹0 + ₹0 voucher
Yes, completely free.

 How Cashback Is Credited

This card has the easiest cashback system:
You spend → cashback is tracked
Next month’s statement → cashback is auto-deducted
You pay a reduced bill
Example:
If you earned ₹400 cashback in May, then your June bill automatically becomes ₹400 less.
No manual steps.
No redemption charges.
No expiry.
This makes it perfect for beginners who don’t want complicated point systems.

 Eligibility Criteria – Who Can Apply?

Axis Bank has kept the eligibility simple so more customers can apply.
✔ Minimum Age: 18 years
✔ Maximum Age: 70 years
Income Requirement:
Salaried: Minimum ₹15,000–₹20,000 salary
Self–employed: ₹2,00,000 yearly ITR
Credit Score Needed
Best approval at 700+
Chances also possible at 650–680 depending on profile
Documents Required
Aadhaar Card
PAN Card
Income proof (salary slip OR bank statement OR ITR)
1 photo
Address proof (if Aadhaar not updated)

 Why Flipkart Axis Bank Card Is Perfect for Beginners?

This card is considered the best “first credit card” for many new users in India because:
Approval is easier than premium cards
Cashback is simple and unlimited
Low annual fee
High return on online purchases
No confusion with points/miles
Suitable for people with average income
For someone who earns ₹15,000–₹30,000 per month, this card gives excellent rewards without any hidden fees or complications.

 Flipkart Axis Bank Credit Card Full Review 2026

Detailed Benefits Breakdown — Real Value for Real Users

The Flipkart Axis Bank Credit Card offers a wide range of benefits that cover shopping, food, lifestyle, travel, streaming, and daily expenses. In this part, we will go deeper into how each benefit works, how much you can actually save, and how this card fits into different spending habits.

1. Real Savings on Daily Online Shopping

Most people in India buy essentials online at least twice a month. Whether it's clothes, electronics, beauty products, or home items, Flipkart remains the top choice. When you combine regular shopping with 5% cashback, your annual savings become surprisingly high.
Take this example:
₹3,000 monthly Flipkart shopping
5% cashback = ₹150
Yearly = ₹1,800 cashback
Now imagine if you buy a mobile worth ₹15,000:
5% cashback = ₹750 just from one purchase.
If you buy 2–3 high-value items (mobile, laptop accessories, fashion products) in a year, you easily get ₹2,000–₹3,000 cashback from Flipkart alone.

2. Cashback on Myntra — Perfect for Fashion Lovers

Myntra shoppers get the same 5% cashback benefit. Since fashion purchases usually happen every few weeks or during sales, many users save a lot.
For example:
Monthly Myntra shopping = ₹2,000
5% cashback = ₹100
Yearly = ₹1,200 cashback
If you combine Flipkart + Myntra spend, you can easily earn:
₹2,000–₹4,000 cashback every year.

3. Travel Benefits Through Cleartrip

While this is not a full travel credit card, it gives strong value on:
Flights
Hotels
Train bookings
Holiday bookings
If you take even 2 trips a year:
Approx spend = ₹10,000 each time
5% cashback = ₹500 per trip
Yearly savings = ₹1,000
This makes travel slightly more affordable, especially for young professionals.

 Food, Transport & Lifestyle Cashback (4% Category)

This 4% category is extremely useful because most people spend on these brands weekly:
Swiggy → food delivery
Uber → rides
PVR → movies
Tata Sky → DTH recharge
Cure.fit → gym membership or fitness classes
Tata 1mg / PharmEasy → medicines
Zomato (at times included) → depending on partnership updates
Let’s break it down with examples:
Swiggy Example
₹1,500 food order per month
4% cashback = ₹60
Yearly savings = ₹720
Uber Example
₹800 ride spend per month
4% cashback = ₹32
Yearly savings = ₹384
PVR Example
₹300 monthly movie spend
4% cashback = ₹12
Yearly savings = ₹144
These numbers may look small individually, but combined, they add up massively:
Total savings: ₹1,248 per year (only on 4% category).
If you spend more, your savings multiply.

 1.5% Cashback on Everything Else — Very Rare Feature

Most credit cards give only:
0.25%
0.5%
Or max 1% on other categories
But with the Flipkart Axis Bank Card, you get:
1.5% cashback on almost all remaining transactions
This is excellent for:
Groceries
Restaurants
Clothing stores
Petrol pump shop purchases (not fuel itself)
Utility bills
Shopping anywhere else
Online payments
For example:
₹10,000 general monthly spend
1.5% cashback = ₹150
Annual savings = ₹1,800
This places Flipkart Axis above most entry-level cards in the cashback category.

 Savings Summary — How Much Can an Average User Save?

Let’s imagine a normal user who spends monthly like this:
Total Monthly Cashback = ₹400
Yearly Cashback = ₹4,800
For a ₹500 annual fee card, this value is extremely high.
Some users save ₹6,000–₹10,000 depending on spending volume.

 Additional Perks & Features (Often Ignored)

Apart from cashback, this card also offers many silent benefits:

1. Fuel Surcharge Waiver

1% fuel surcharge waived
Valid for fuel transactions between ₹400–₹4,000
Though you do NOT earn cashback on fuel, the surcharge waiver is still useful.
If you spend ₹4,000 monthly on fuel:
1% surcharge = ₹40 waived
Yearly = ₹480 saved
This practically covers your annual fee.

2. EMI Facility on Purchases

Axis Bank allows:
No-cost EMI options
Long-term EMIs (3–24 months)
Low processing fee (usually)
So if you buy a laptop or mobile on Flipkart, you can easily convert to EMI directly from the app.

3. Zero-Liability Protection

If your card is:
Lost
Stolen
Misused
Then after you report to Axis Bank, you are not responsible for unauthorized transactions.
This is extremely important for beginner users.

4. Contactless Tap-to-Pay Feature

You can make payments below ₹5,000 using tap-to-pay.
No PIN required for small transactions.
Safe and fast.

5. Lifetime Card If Spending Is High

If you spend ₹2 lakh yearly, your card becomes:
Zero annual fee
Lifetime free (every year)
Considering average monthly spends in India, many users naturally reach this amount.

 Axis Bank Mobile App Experience

Axis Bank’s app is one of the best in India. You can:
Track cashback
Check statements
Block/unblock the card instantly
Change transaction limits
Enable or disable online/offline spending
View EMI offers
Pay credit card bill easily
The app is simple and beginner-friendly.
For Flipkart Axis users, the cashback section shows exact cashback earned every cycle.

 Approval Process & Why It's Easier Than Others

Many users get rejected when they apply for other cards like HDFC Regalia or SBI Elite because these cards require:
Higher income
High credit score
Strong banking history
But the Flipkart Axis Bank Credit Card is specially designed to be accessible.
Approval is easy because:
Axis Bank wants more Flipkart customers
Income requirement is low
CIBIL score requirement is flexible
Most users have online shopping history
Even many first-time applicants get approval.

 Comparison With Other Cashback Cards (Deep Analysis)

Let’s compare Flipkart Axis with the biggest competitors:

1. Amazon Pay ICICI Credit Card

Conclusion:
If you shop more on Amazon → ICICI Amazon is better.
If you shop more on Flipkart → Flipkart Axis is far better.

2. SBI SimplyClick

Conclusion:
Flipkart Axis is 2×–3× more rewarding.

3. HDFC Millennia Credit Card

Conclusion:
Flipkart Axis is simpler and better for beginners.

Is This Card Good for Students & New Job Holders?
Yes, this is one of the best cards for students or freshers if:
They have a stable income
OR they apply using a fixed deposit backed card
Even new job holders earning ₹15,000–20,000 monthly get approval easily.

How to Apply for the Flipkart Axis Bank Credit Card

Applying for the Flipkart Axis Bank Credit Card is extremely simple, and you can complete the entire process online without visiting any bank branch. Follow the exact steps below:

Step 1: Visit the Official Flipkart Axis Bank Credit Card Page
You can start the application in two ways:
Option A — Apply Through Flipkart App
Open the Flipkart app.
Log in using your mobile number.
On the home screen, scroll to the bottom.
Tap on “Flipkart Axis Bank Credit Card” banner or find it under the “Credit” section.
Click Apply Now.
Option B — Apply Through Axis Bank Website
Visit the official Axis Bank website.
Go to “Credit Cards” section.
Search for Flipkart Axis Bank Credit Card.
Click Apply Now.
Tip: It is recommended to apply through the Flipkart app because pre-approved users often get instant approval.

Step 2: Check Your Eligibility
Before you proceed, the bank checks basic eligibility criteria such as:
✔ Age between 18–60 years
✔ Indian resident
✔ Regular income (salary or business)
✔ Decent credit score (650+ recommended)
✔ Valid Aadhaar & PAN card
If you meet the criteria, the system automatically moves you to the next step.

Step 3: Enter Your Personal Details
You need to enter:
Full Name (as per PAN)
Date of Birth
Mobile Number
Email ID
PAN Number
Aadhaar-linked address
Make sure all details match your official documents. Any mismatch may delay approval.

Step 4: Complete KYC Verification
Axis Bank allows two types of KYC:
(A) Video KYC
Your smartphone camera will be used.
A bank officer verifies your face and Aadhaar details.
Takes 2–3 minutes.
(B) Aadhaar OTP e-KYC
Enter Aadhaar number.
You’ll receive an OTP on your mobile.
The bank fetches your address automatically.
Video KYC is the fastest way to get approval.

Step 5: Enter Work Details
You must fill in:
Employment type (Salaried / Self-Employed)
Company name
Monthly income
Work address
The bank uses this data to decide your credit limit.
Important: Provide correct income. If your salary is higher, you generally get a higher limit.

Step 6: Wait for Approval
Axis Bank uses automated underwriting. There are 3 possible results:
Instant Approval
You get the message:
“Congratulations! Your Flipkart Axis Bank Credit Card is Approved.”
Manual Review
Bank may call you for:
Income proof (salary slip / ITR)
Address confirmation
Additional verification
Rejected
If your CIBIL score is too low, or data mismatch occurs.

Step 7: Virtual Card Issued Immediately
After approval:
You get a virtual credit card inside the Flipkart app under:
My Account → My Cards → Flipkart Axis Bank Credit Card
You can start using it instantly for:
Flipkart purchases
Myntra shopping
Online payments
Recharge
Grocery
Travel booking
You do not need the physical card to start shopping.

Step 8: Physical Card Delivery
Axis Bank sends the physical card to your home address within 7–10 working days.
You’ll receive an SMS with the tracking ID.

Step 9: Activate/Generate PIN
After receiving the card:
Visit Axis Bank website or mobile app.
Go to “Set PIN” option.
Enter your card number and CVV.
Generate a 4-digit PIN.
Now your card is ready for ATM withdrawals and offline purchases.

Step 10: Start Earning Cashback
Once your card is active, cashback applies automatically:
5% cashback on Flipkart & Myntra
4% cashback on preferred merchants
1.5% cashback on all other domestic spending
No coupon code is needed — cashback gets credited directly into your credit card statement

Fees, Charges & All Hidden Conditions (Full Breakdown)

While the Flipkart Axis Bank Credit Card is popular for its high cashback, it is important to understand every fee, hidden charge, and fine print associated with this card. This section gives you a transparent, step-by-step explanation so you know exactly what you’re paying for — and what to avoid.

1. Annual Fees & Renewal Charges

Joining Fee: ₹500 + GST
Annual/Renewal Fee: ₹500 + GST (from 2nd year onwards)
BUT: You can avoid paying the annual fee.
Annual Fee Waiver Condition
If your total spending in the previous year is ₹2,00,000 or more, the ₹500 renewal fee becomes zero.
This means:
Spend ₹16,700 per month = No renewal fee
Even if you use this card only for Flipkart + Myntra + bill payments, reaching ₹2 lakh annually is possible for many users.
So effectively, the card becomes lifetime free if you meet the annual spend milestone.

2. Finance Charges (Interest Rate)

If you do not pay your bill on time, the bank charges interest.
📌 Interest Rate: 3.6% per month (43.2% per year)
This is the standard rate for most Indian credit cards.
Important: Even if you miss the payment by 1 day, interest is calculated on:
Total outstanding amount
New purchases
Any unpaid EMIs (if applicable)
So always pay your full statement amount before the due date.

3. Cash Withdrawal Charges (ATM Cash Use)

Using this card for ATM cash withdrawal is NOT recommended.
Here’s why:
⚠️ Cash Advance Fee: 2.5% of the withdrawn amount (minimum ₹500)
⚠️ No interest-free period
⚠️ Interest starts from Day 1
Example:
Withdraw ₹5,000 → You immediately pay fee + interest.
Avoid using the card at ATMs unless it is an emergency.

4. Late Payment Charges

If you miss the due date, Axis Bank charges late fees based on your outstanding amount.
Note: Late fee is in addition to interest charges.

5. Foreign Transaction Fees

If you make international payments (USD/EUR etc.):
🌍 Forex Markup Fee: 3.5% + GST
This is slightly high. For travellers, Axis Bank offers better cards (like Magnus or Atlas), but for shopping customers, Flipkart Axis is still better because of cashback.

6. Overlimit Charges

If you cross your credit limit:
⚠️ Overlimit Fee: 2.5% (minimum ₹500)
Example:
Limit is ₹50,000
You spend ₹52,000 → You pay a penalty.
Avoid going over the limit because it reduces your CIBIL score.

7. EMI Conversion Charges

If you convert a purchase into EMI:
➤ Processing Fee: ₹99 + GST
➤ EMI Interest Rate: 12–15% per year (varies)
Some Flipkart products offer no-cost EMI — but check the details because:
Sometimes GST is extra
Sometimes no-cost EMI has hidden processing fees
Cashback may not apply to EMI purchases
Always read product EMI terms.

8. Reward Cashback Conditions (Important Fine Print)

This is where many users get confused.
✔ Cashback Categories:
5% cashback: Flipkart, Myntra
4% cashback: Preferred merchants (Swiggy, Uber, PVR, Cure.fit, etc.)
1.5% cashback: Everything else
❌ Cashback Not Applicable On:
Fuel transactions
EMI transactions
Wallet loads (Paytm/PhonePe/GPay wallet loading)
Rent payments
Cash advance
Railway ticket bookings (sometimes excluded)
Government payments in some categories
This is written in the terms and conditions but most people don’t notice it.

9. Cashback Credit Rules

✔ Cashback is not instantly given
It gets credited in your next month’s statement.
Example:
If you spend in February, cashback appears in March bill.
✔ Minimum cashback credited: Re. 1
✔ No minimum spending required to earn cashback
✔ Cashback is automatically applied (no coupon code needed)

10. Card Replacement Charges

If your card is lost or damaged:
💳Replacement Fee: ₹100
If your card is stolen, inform Axis Bank immediately — the bank offers zero liability protection for fraud if reported quickly.

11. GST Charges

GST (18%) is applied on:
Joining fee
Annual fee
Interest
Late fees
Processing fees
Forex markup
ATM withdrawal fees
This often increases your bill unexpectedly if you miss payments.

12. Hidden Conditions Users Must Know

Here are points banks usually don’t highlight:
⚠️ Using the card for wallet load gives ZERO cashback
Many users try to add money to Paytm wallet for cashback — but it doesn’t work.
⚠️ Cashback is capped only in preferred categories, not on Flipkart
The 5% cashback on Flipkart has no upper limit.
⚠️ If you convert a Flipkart order into No-Cost EMI, cashback may be removed
This depends on product terms.
⚠️ If you return a product, cashback also gets reversed
Important for frequent shoppers.
⚠️ If you make part-payment of the bill, cashback for next month may be blocked
Always pay full bill on time.

Pros, Cons, Best Use Cases & Final Verdict (Very Detailed)

The Flipkart Axis Bank Credit Card has become one of India’s most popular shopping credit cards. But no card is perfect for everyone. In this section, you will understand the strengths, weaknesses, ideal users, and situations where you should avoid this card. This helps users make an informed financial decision.

A). Major Advantages (Pros)

The card offers multiple lifestyle and shopping benefits, especially if you frequently shop online. Below are the top advantages explained clearly:

1. Highest Cashback for Online Shopping
The biggest attraction of this card is the 5% cashback on:
Flipkart
Myntra
Cleartrip (on some categories)
EMI (only selective offers)
Few cards in India offer such high cashback on major shopping platforms. So if you shop regularly during sales, exchange offers, and festival seasons, this card becomes extremely valuable.

2. Unlimited Cashback on Flipkart Purchases
There is no upper limit on Flipkart cashback.
Meaning:
Even if you shop for ₹1,00,000 in a month, you will receive the full 5% cashback.
This is very rare in Indian credit cards because most banks cap the cashback at a fixed amount.

3. Great Cashback on Everyday Spending
The 1.5% unlimited cashback on all other spending categories makes it a powerful daily-use card. This includes:
Dining
Movies
Shopping
Groceries
Travel
Online orders
Local stores
Many credit cards give lower base cashback (0.5–1%), so 1.5% is excellent for general spending.

4. Excellent Benefits on Preferred Merchants
The 4% cashback on selected merchants includes:
Swiggy (food delivery)
Uber (cab rides)
PVR (movie tickets)
Tata 1mg (healthcare)
Cure.fit (fitness services)
These services are widely used in urban India, making the cashback extremely useful.

5. Airport Lounge Access
The card offers 4 complimentary domestic airport lounge visits every year.
This is a big advantage for:
Frequent travellers
Business travellers
Students travelling for exams
Anyone flying long distance
Lounge access includes free snacks, beverages, comfortable seating, Wi-Fi, etc.

6. Low Annual Fee & Easy To Waive
The annual fee is only ₹500 + GST, which is very affordable.
But the best part:
✔ Spend ₹2,00,000 in a year → Renewal fee becomes ZERO
So the card becomes lifetime free for most users.

7. Automatic Cashback Credit
You don’t have to:
use coupon codes
store points
redeem cashback manually
Cashback is applied automatically to your next bill.
Simple & user-friendly.

8. Perfect for Festival Season Offers
Flipkart Big Billion Days, Diwali sales, and end-of-season sales become extremely profitable with 5% cashback + extra bank offers.
This is where the card saves the highest amount.

B). Major Disadvantages (Cons)

Even though the card is powerful, you must understand its limitations.

1. Not Good for International Use
Foreign transaction fee is 3.5% + GST.
So this card is not ideal for:
International shopping
Forex payments
Travel abroad
You should use travel cards like Axis Atlas or HDFC Infinia instead.

2. Cashback Not Applicable in Many Categories
Cashback does NOT apply to:
EMI on many items
Wallet loads (Paytm/PhonePe/GPay)
Rent payments
Fuel transactions
Government payments
Utility payments through some channels
Cash withdrawal from ATM
This confuses many new users.

3. High Finance Charges if You Miss a Payment
Interest rate: 3.6% per month (43.2% annually)
This is similar to most credit cards but still very high.
So if you don’t manage payments properly, charges will quickly increase.

4. Not Suitable for People Who Don’t Shop Online
If you don’t use Flipkart or Myntra regularly, then you lose the biggest benefit.
In such cases, better options exist:
Axis Ace
HDFC Millennia
SBI Cashback Card

5. No Rewards on Fuel
Fuel transactions give no cashback but still charge 1% surcharge waiver only up to ₹500 per month.
For fuel-heavy users, this is not ideal.

6. Lounge Access Is Only Domestic
No international lounge access is provided.
Travelers looking for premium benefits will find this insufficient.

 Who Should Apply for This Card? (Ideal Users)

This card is best for a specific group of people.

✔ You shop frequently on Flipkart / Myntra
If you shop during BBD sales, Diwali sales, end-of-season sales — this is perfect.

✔ You order food from Swiggy regularly
4% cashback helps you save money every month.

✔ You book cabs through Uber
Frequent cab users benefit instantly with cashback.

✔ You travel within India
The free domestic lounge access is valuable for airport travellers.

✔ You want a simple Cashback Card
No complicated points, no conversions, no math.
Cashback comes automatically.

  Who Should Avoid This Card? (Not Ideal Users)

❌ You don’t shop on Flipkart or Myntra
You will lose the main 5% cashback advantage.

❌ You travel internationally
The forex markup is too high.

❌ You want premium travel rewards
No international lounge access, no travel miles.

❌ You prefer Amazon
Then Amazon Pay ICICI Credit Card is better.

❌ You often pay rent or add money to wallets
This card gives 0% cashback on these categories.

  Is This Card Good for Students or First-Time Users?

✔ YES, but only if:
You shop on Flipkart
You pay bills on time
You spend at least ₹15,000–₹20,000 monthly
❌ NO if:
You tend to miss payments
You don’t shop online
You want a card for fuel or travel

 Comparison with Other Popular Cards

To help you understand the value, here’s a brief comparison:

Flipkart Axis vs Amazon Pay ICICI
Choose based on where you shop more.

Flipkart Axis vs SBI Cashback Card
Flipkart Axis is better for daily use + travel.

Flipkart Axis vs HDFC Millennia
Both good, but Axis is easier for beginners.

  Final Verdict (CreditLogic) — Is Flipkart Axis Bank Credit Card Worth It?

⭐ Yes — this is one of the best low-fee cashback cards in India.
Especially if you shop online frequently.

Top Reasons to Buy
✔ Unlimited cashback
✔ 5% on Flipkart & Myntra
✔ 4% on Swiggy, Uber & PVR
✔ 1.5% on everything else
✔ Airport lounge access
✔ Easy annual fee waiver
✔ Low joining cost
✔ Perfect for online shoppers

Reasons to Avoid
❌ No cashback on wallets, fuel, rent
❌ Not good for international use
❌ High charges if you miss payments

Who Should Absolutely Get This Card?

Flipkart shoppers
Swiggy/Uber users
Students who pay responsibly
Anyone wanting a simple cashback card
People who travel domestically
Online shoppers during festival sales

Who Should Skip This Card?

Amazon-only shoppers
International travellers
Users who load wallets often
People who want premium travel rewards

Detailed Buying Guide & FAQ

This is one of the best-value credit cards for Indian online customers. To help your readers make an informed and confident decision, this part covers:

Flipkart Axis Bank Credit Card Buying Guide (Complete Steps)

Choosing a credit card should never be done in a hurry. Many people apply without understanding eligibility or benefits, which leads to rejection or misuse.
This guide explainseverything step-by-step.

1. Step 1 — Understand Your Spending Pattern
Before applying, check your monthly expenses:
Do you shop on Flipkart or Myntra regularly?
Do you order food through Swiggy often?
Do you travel using Uber?
Do you shop online more than offline?
Do you want simple cashback instead of points?
If your answers are mostly yes, then this card is perfect for you.

2. Step 2 — Check Eligibility
Axis Bank has certain minimum requirements.
✔ Indian resident
✔ Age: 18 to 60 years
✔ Income: Minimum ₹20,000–₹25,000 per month
✔ Stable job or business
✔ Clean credit history (CIBIL score 700+)
If your CIBIL score is below 650, chances of approval drop.

3. Step 3 — Documents Required
You must keep these ready:
Identity Proof
Aadhaar card
PAN card (mandatory)
Address Proof
Aadhaar
Passport
Voter ID
Utility bill
Income Proof
Salary slip (last 3 months)
Bank statement (last 6 months)
ITR (if self-employed)
Photograph
Passport-size photo (sometimes not required in online KYC)

4. Step 4 — How to Apply (3 Methods)

Method 1 — Apply through Flipkart App
This is the easiest method.
Open Flipkart
Search "Flipkart Axis Bank Credit Card"
Click Apply Now
Fill PAN, Aadhaar-linked mobile number
Complete e-KYC
Submit documents
Get instant approval/pre-approval
This is the most popular option.

Method 2 — Apply on Axis Bank Website
Steps:
Visit Axis Bank official site
Navigate to Credit Cards
Select Flipkart Axis Credit Card
Fill personal details
Complete OTP verification
Upload documents
Wait for approval call

Method 3 — Apply via Axis Bank Branch
You can visit a nearby branch and apply.
This method is slower but useful if:
You do not have online KYC
You want help filling forms
You want to ask questions in person

5. Step 5 — Approval Time
✔ Instant approval (30 seconds) for pre-approved users
✔ 2–3 days for normal online applications
✔ 5–7 days for branch applications
✔ 7–10 days to receive physical card by courier

2. Tips to Increase Approval Chances
Many people get rejected because of simple mistakes.
Follow these tips to improve your chances:

2.1. Maintain a CIBIL Score Above 700
Banks trust people with good credit history.
You can increase your score by:
Paying bills on time
Clearing old loans
Reducing high credit utilization
Keeping old credit cards active
Avoiding multiple card applications in the same month

2.2. Don’t Apply from Multiple Platforms
One mistake many applicants make:
They apply from Flipkart, Axis website, and branch at the same time.
This creates 2–3 hard inquiries → increases rejection risk.
Apply from only one platform.

2.3. Use a Salary Account or Regular Income Transaction Account
Axis Bank prefers users with:
Monthly salary credit
Regular inflow
Stable transactions
If your bank statement reflects this, approval is easier.

2.4. Keep Your PAN & Aadhaar Updated
Mismatch in:
Name
Date of birth
Address
will cause instant rejection.
Make sure Aadhaar + PAN name match 100%.

2.5. Keep Your Phone Number Linked with Aadhaar
OTP verification is mandatory during e-KYC.

3. Frequently Asked Questions (Detailed FAQ)
Below is a long, SEO-rich FAQ section that boosts Google ranking.

Q1: What is the annual fee of the Flipkart Axis Credit Card?
The annual fee is ₹500 + GST, but it becomes zero if you spend ₹2,00,000 in a year.

Q2: Is this card lifetime free?
Yes — but only if your annual spending is ₹2 lakh or more.
Otherwise, you pay ₹500 renewal fee.

Q3: How much cashback do I get?
5% on Flipkart & Myntra
4% on Swiggy, Uber, PVR, Cure.fit
1.5% on all other spending

Q4: Is there a limit on cashback?
No limit on Flipkart 5% cashback.
Preferred merchants have category-wise limits.

Q5: Do I get cashback on wallet load?
No. Cashback is 0% on Paytm, PhonePe, GPay wallet loads.

Q6: Are fuel transactions eligible?
No cashback on fuel, but you get 1% surcharge waiver.

Q7: Can I use this card internationally?
Yes, but the forex fee is 3.5% + GST, which is high.

Q8: Is EMI available?
Yes.
However, cashback may not be available on EMI purchases.

Q9: Who should apply for this card?
Flipkart shoppers
Swiggy & Uber users
Students
Online shopping lovers
Domestic travellers
Cashback seekers

Q10: Who should avoid this card?
Amazon shoppers
International travellers
Users who pay rent via credit card
Users who don’t shop online

Q11: How long does it take to receive the card?
Usually 7–10 working days after approval.

Q12: Is Aadhaar OTP KYC enough?
Yes. Physical KYC is rarely required.

Q13: Does cashback expire?
No — because it is directly credited to your statement.

Q14: Can students apply?
Yes, if they have:
Income proof
Good bank statement
Proper KYC

More..

1 How to Increase Your CIBIL Score Fast in 2026

2. Lifetime Free Credit Cards in India 2026

3. Best Cashback Credit Cards in India 2026

This post is part of CreditLogic.in — Your Trusted Source for Credit Card Reviews, Comparisons & Money-Saving Tips.