Axis Flipkart Review 2026
Last reviewed:
Quick verdict
The must-have card for Flipkart shoppers in India. 5% unlimited cashback on Flipkart plus 4% on Swiggy and PVR makes it incredibly rewarding for everyday spending. First year is free, and the ₹500/year fee after that is easily recovered with just ₹12,500 in Flipkart purchases.
Pros
- Airport lounge access: 4 domestic per year
- Accessible eligibility — minimum income around ₹15,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.40% per month (40.80% p.a.) if you carry a balance
Key benefits
- 4% cashback on preferred partners (Swiggy, PVR)
- 1.5% unlimited cashback on basic spends
- 4 complimentary lounge visits per year
- Instant discount offers on big billion days
Fees & charges at a glance
| Joining Fee | Nil |
|---|---|
| Annual Fee | ₹500 + GST |
| Rewards | 5% unlimited cashback on Flipkart |
| Welcome Benefit | None |
| Lounge Access | 4 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹15,000/month |
| Network | Mastercard |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The Axis Flipkart is best suited for flipkart loyalists. It is a cashback card on the Mastercard network, and Axis Bank generally looks for a minimum income of ₹15,000/month. If your spending matches its reward categories (5% unlimited cashback on flipkart), the card can pay for its annual fee of ₹500 + GST. If not, a lifetime-free card may give you better net value.
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Axis Flipkart: frequently asked questions
What is the annual fee of the Axis Flipkart?
The Axis Flipkart has a joining fee of Nil and an annual fee of ₹500 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with Axis Bank.
What rewards does the Axis Flipkart give?
5% unlimited cashback on Flipkart. 4% cashback on preferred partners (Swiggy, PVR). 1.5% unlimited cashback on basic spends.
Does the Axis Flipkart offer airport lounge access?
Yes. The Axis Flipkart offers 4 domestic per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with Axis Bank.
What is the eligibility and minimum income for the Axis Flipkart?
Axis Bank typically requires a minimum income of ₹15,000/month for the Axis Flipkart, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the Axis Flipkart?
The Axis Flipkart charges 3.40% per month (40.80% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the Axis Flipkart?
The foreign currency markup on the Axis Flipkart is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the Axis Flipkart to UPI?
No. The Axis Flipkart runs on the Mastercard network. Only RuPay credit cards can be linked to UPI in India at present.
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