Axis Bank and Flipkart have been running a co-branded credit card since 2019, and over the years, it has become a strong contender in the entry-level cashback credit card space. The Flipkart Axis Bank Credit Card is designed primarily for individuals who frequently shop on Flipkart and Myntra, but its benefits also extend to other platforms.
Now, for a limited time, Axis Bank is offering this card as a First Year Free option, meaning no joining fee, something that’s sure to draw attention for those looking to maximise returns on their everyday spending without worrying about yearly charges eating into their cashback.
Let’s take a detailed look at the Flipkart Axis Bank Credit Card, what it offers, and how the lifetime free proposition sweetens the deal.
Flipkart Axis Bank Credit Card: Snapshot
| Feature | Details |
|---|---|
| Card Issuer | Axis Bank |
| Card Network | Visa |
| Joining Fee | INR 500 + GST (currently waived) |
| Annual Fee | INR 500 + GST from the second year |
| Welcome Benefit | INR 350 (Only INR 100 for FYF) |
| Best Suited For | Cashback on online and retail spends, especially the Flipkart ecosystem |
Cashback Structure
The key draw of the Flipkart Axis Bank Credit Card is its straightforward cashback earning mechanism.
- 7.5% Cashback on Myntra (INR 4000 cashback per quarter, capped)
- 5% Cashback on Flipkart and Cleartrip (INR 4000 cashback per quarter, capped)
- 4% Cashback on select partners, including:
- Swiggy
- Uber
- PVR
- Tata 1mg
- 1% Cashback on all other eligible spends (excluding fuel, EMI, rent, wallet loads, etc.)
The cashback is auto-credited to the card account each month in the form of a statement credit—no need to track or redeem points.
There is no upper cap on cashback earnings, which is rare for a card in this segment.
Fees & Charges
Under standard conditions:
- Joining Fee: INR 500 + GST (Currently Waived)
- Annual Fee: INR 500 + GST (waived if you spend INR 2,00,000 or more in the preceding year)
However, under the current first-year free offer, these fees are being waived for the first year. This makes the card a no-brainer for frequent Flipkart shoppers and even casual users looking for a reliable cashback card with minimal commitment.
You can apply directly through the Axis Bank website. Ensure that the “Joining Fee Waived” benefit is mentioned at the time of application.
Bottomline
The Flipkart Axis Bank Credit Card remains one of the top cashback cards in India for frequent online shoppers. The 7.5% cashback on Myntra and 5% on Flipkart/Cleartrip is unmatched by any other card in the category. With the card now available for the first year free, it’s an easy recommendation. Even if you only use it for Flipkart sales, food orders on Swiggy, or the occasional Uber ride, you’re getting tangible value back with minimal overhead.
Suppose you already hold multiple Axis Bank credit cards (such as the Magnus or Reserve). In that case, you should check your eligibility before applying, as Axis does have internal limits on the number of cards one can hold. However, for first-time cardholders or those with limited budgets, this is a solid starter card to get into the cashback game.
Have you been using the Flipkart Axis Bank Credit Card? Are you planning to apply now that it’s available free? Let us know your experience in the comments below.
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