Basic Information

Welcome Benefits Activation Benefits: Benefits worth ₹350; Flipkart Voucher: ₹250 on the first card transaction within 30 days of issuance, subject to eligibility and not applicable to First-Year-Free cards; Swiggy Welcome Offer: 50% off up to ₹100 for first-time Swiggy users using the applicable promotional code and terms

Card Details Card Name: Flipkart Axis Bank Credit Card; Bank Name: Axis Bank; Card Type: Co-branded Cashback Credit Card

Card Category Entry Level

Eligibility Age Criteria: 18–70 years; Residency: Resident of India

Rewards Program

Cashback Cashback Rate: 7.5% on Myntra, capped at ₹4,000 per statement quarter; 5% on Flipkart, capped at ₹4,000 per statement quarter; 5% on Cleartrip, capped at ₹4,000 per statement quarter; 4% on eligible preferred merchants, unlimited; 1% on other eligible transactions, unlimited; Cashback Limit: Merchant-specific quarterly caps apply to Myntra, Flipkart and Cleartrip; Cashback Credit: Directly credited to the credit card statement

Redemption Reward Redemption Options: Cashback credited directly to the credit card statement; Redemption Fee: Nil

Travel Benefits

Travel Offers Flight and Hotel Offers: Wednesday Delight promotions may provide up to 15% instant savings on eligible MakeMyTrip flight and hotel bookings; offer terms apply

Shopping Benefits

Online Shopping Flipkart Benefits: 5% cashback on eligible purchases, capped at ₹4,000 per statement quarter; Myntra Benefits: 7.5% cashback on eligible purchases, capped at ₹4,000 per statement quarter; Online Shopping Benefit: Cashback on eligible purchases is credited to the card statement

Brand Offers Preferred Merchant Cashback: 4% unlimited cashback on eligible preferred merchants; the merchant list and eligibility are subject to bank terms

EMI Offers Merchant EMI: Eligible purchases above ₹2,500 may be converted into EMIs by contacting the bank; EMI Interest and applicable processing charges depend on the selected plan

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% on eligible fuel transactions at fuel stations across India; Transaction Range: ₹400–₹4,000; Maximum Benefit: ₹400 per statement cycle; Cashback: Not earned on fuel transactions

Dining & Entertainment

Dining Dining Benefit: Access to the Axis Bank Dining Delights programme at participating restaurants, subject to programme terms

Entertainment Wednesday Delight: 10% off eligible Swiggy orders; additional terms and offer limits apply. Wednesday Delight: 10% off on eligible Tira purchases, up to ₹1,000; offer terms apply

Digital Features

Banking Features Mobile Banking: Axis Bank digital banking and credit card servicing facilities are available; specific features depend on account access and bank policies

Add-on Features

Family Benefits Add-on Card: Joining Fee: Nil; Annual Fee: Nil

Fees & Charges

Joining Charges Joining Fee: ₹0 under the current First-Year-Free offer; offer terms may change

Annual Charges Annual Fee: ₹500 from the second year; Annual Fee Waiver: Available on eligible annual spends exceeding ₹3,50,000; rent and wallet-load transactions are excluded from waiver calculations

Finance Charges Interest Rate: 3.75% per month (55.55% per annum); Late Payment Fee: ₹0 if total payment due is below ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for ₹10,001–₹50,000; ₹1,300 above ₹50,000; additional charges may apply for consecutive missed minimum payments

Cash Advance Charges Cash Withdrawal Fee: 2.5% of the amount withdrawn, minimum ₹500

Forex Charges Foreign Currency Markup: 3.5% of the transaction value; Dynamic Currency Conversion Markup: 3.5% on applicable international transactions billed in Indian rupees

Other Charges Card Replacement Fee: Nil; Overlimit Fee: 2.5% of the overlimit amount, minimum ₹500; Reward Redemption Fee: Nil; Cash Payment Fee: ₹175; Rent Transaction Fee: 1%; Education Payment Fee: 1% on payments through third-party apps; Utility Transaction Fee: 1% on cumulative eligible spends of ₹25,000 or more per statement cycle; Wallet Load Fee: 1% on cumulative eligible loads of ₹10,000 or more per statement cycle; Fuel Transaction Fee: 1% on cumulative eligible spends of ₹50,000 or more per statement cycle

Customer Support

Service Customer Support: Axis Bank phone banking at 1800 103 5577 for credit card assistance

Performance & Ratings

Best Usage Best For: Online shopping on Flipkart and Myntra; eligible Cleartrip purchases; selected partner merchants; everyday eligible spending with cashback

Advantages Pros: Cashback across multiple shopping and lifestyle merchants; statement-level cashback credit; unlimited cashback on eligible preferred merchants and other eligible transactions; annual fee waiver linked to eligible spending; fuel surcharge waiver

Limitations Cons: Cashback caps apply to Flipkart, Myntra and Cleartrip; many categories such as fuel, insurance, utilities, education, rent, wallet loads and government services are excluded from cashback; annual fee applies from the second year unless waived; foreign currency transactions attract markup; finance charges can be high when balances are not paid in full