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Axis Flipkart Credit Card Review

Flipkart Credit Card

In my last post on free lifetime credit cards, many of you pointed out that, I missed out on including the Axis Flipkart credit card in that list. Therefore, I thought why not write a separate post on this card. Highlighting its features and comparing it with the few best lifetime free credit cards.

Axis Flipkart Credit Card

Axis Flipkart Credit Card

Fees and Eligibility

  • Joining and annual fee of 500 + GST.

Rewards and Benefits:

  • Joining Benefits:
    • INR 500 Flipkart voucher on doing the first transaction within 30 days.
    • 15% cashback up to Rs. 500 on your first transaction on Myntra on this card
  • Recurring Benefit:
    • None
  • Reward Points:
    • 1.5% cashback on all spends except Fuel, EMI, wallet transactions and GV purchase on Flipkart and Myntra
  • Accelerated Reward  Points:
    • Unlimited 5% cashback on spends done on Flipkart and Myntra.
    • Unlimited 4% cash back on select partners (Cleartrip, Cure.Fit, PVR, Swiggy, Tata 1mg, Tata Sky)

Flipkart Credit Card Details

Thoughts on Axis Flipkart Credit Card

The Axis Flipkart credit card is a no-nonsense credit card that gives a decent 1.5% cashback on nearly all spends. However, the highlight of this card is 5% unlimited cash back on Flipkart and Myntra. In addition, 4% cashback on preferred merchants, major ones are Cleartrip, Swiggy and Tata 1mg.

Obviously, this credit card is compared to ICICI Amazon credit card a lot.  The base 1.5% cashback on Axis Flipkart credit card is higher than what ICICI Amazon credit card offers (1%). However, you need to keep in mind that ICICI Amazon credit card offers 2% cashback on utility and insurance bill payment when done thru Amazon’s website. Moreover, if you load your Amazon Pay wallet you also get 2% cashback. This is something that Flipkart credit card lacks because Flipkart doesn’t provide any bill payments services on its platform.

However, the thing that goes in favour of the Flipkart credit card is it gives you 5% cashback if you hold the card. On Amazon, you need to hold the ICICI Amazon credit card and take Amazon Prime membership for 1000 a year to get 5% cashback, without the Prime membership, you get only 3%. But then again Amazon credit card is free for life and Axis Flipkart has an annual fee on 500+taxes and offers lounge access too.

Similarly, when you compare this card with Axis Ace credit card there are not only many similarities but also differences. The Axis Ace credit card is more suited for someone who has high utility bills payments to be made every month. On the other hand, the Flipkart credit card is suited for someone who has higher spends on co-branded partners.

So you get the point? These cards may be very similar but there are nuanced differences between the two. The better card between the two will depend on your usage pattern.

How the Axis Flipkart credit card compares to other cards

As mentioned earlier, many of you pointed out that I missed out on including this credit card in my comparison of best lifetime free credit cards. So below is the same dynamic benefits calculator that includes Axis Flipkart card. The only difference here is I have removed IDFC, SBI SimplyClick and HDFC Millennia credit cards from the comparison just for brevity. You can any time visit the last post and check the reward rates on these credit cards as the calculation methods have not changed.

Since the Axis Flipkart credit card comes with annual fees at annual spends of less than 2lakhs its reward rate takes a hit. However, once you cross the 2lakhs spend levels, the reward rate is at 2%+ which is very good and even higher than ICICI Amazon credit card in certain cases.


While the Axis Flipkart credit card is obviously a good credit card with a decent reward rate, I don’t hold this card since my spends on Flipkart and Myntra are very limited. However, for someone who regularly spends on these merchants, one should really consider this credit card.

What do you think of this credit card? Do share your views.

Photo by Tamanna Rumee on Unsplash

In the interest of full disclosure, Credit Cardz may earn a referral bonus for anyone that’s approved through some of the links in this post. However, opinions and views expressed here are of the author's alone and not those of the bank, credit card issuer, or anyone else and have not been reviewed, approved or otherwise endorsed by any of these entities.


  1. In you excel sheet why is the reward rate of regalia being calculated at 3.3%? Form what I know Regalia only has a default reward rate of 1.3% if you don’t consider smartbuy and also which does not apply for offline spends.

  2. sorry, forgot they were points, but even in that case.
    regalia gives only 4 points/150 so the total points should be 132 and not 165?

  3. Ragav

    Flipkart Axis Bank Credit Card is Lifetime Free Card now. They are not charging 500rs Per annum fees it’s a Lifetime Free card I recently applied got the credit card. You can even check details in the flipkart website too

  4. Test

    Axis Flipkart Credit Card is life time free card, I applied for this card from flipkart app and application has been approved

  5. Bruce

    I applied for this card in September. However, I was rejected. When again can I apply for it?

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