AXIS

Axis Bank Flipkart Credit Card

Good for Myntra purchases.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • Up to 7.5% on Myntra
  • 7.5% on eligible Myntra, subject to caps.
  • 5% cashback on eligible Cleartrip and Flipkart, subject to caps.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹500) is waived only when eligible annual spend exceeds ₹3,50,000.

Annual fee ₹500 per year
Base cashback 1%
Lounge access 0 removed
Forex markup 3.5% high
Compare with HDFC Bank Millennia →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend1%——
Myntra (domestic)7.5%—₹4,000 per quarter; then 1% base
Cleartrip (domestic)5%—₹4,000 per quarter; then 1% base
Flipkart (domestic)5%—₹4,000 per quarter; then 1% base
Show all 7 earning rules (3 more)
Cult.fit (domestic)4%——
Swiggy (domestic)4%——
Uber (domestic)4%——

When does this card pay for itself?

Rewards break-even estimate
₹50K

Conservative yearly spend needed at base cashback rates.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Base earn

1% base cashback

Caps

  • Myntra (domestic)₹4,000 per quarter
    Why?

    then 1% base

  • Cleartrip (domestic)₹4,000 per quarter
    Why?

    then 1% base

  • Flipkart (domestic)₹4,000 per quarter
    Why?

    then 1% base

View full earning rules →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹3,50,000yearAnnual fee waiver

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.
  • Lounge access removed from 20 June 2025

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Up to ₹500 base cashback if the entire ₹50,000 qualifies for the general-spend lane · uses base/general earn rate; partner and category bonuses not included
  • ~₹6,000/year base cashback · renewal annual fee waived at this spend (joining fee may still apply in year 1)
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Lounge benefit removed — effective 20 June 2025

Axis MITC confirms complimentary lounge access was removed for new and existing cardholders from 20 June 2025

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Complimentary lounge access was removed effective 20 June 2025. Axis MITC confirms complimentary lounge access was removed for new and existing cardholders from 20 June 2025

Domestic (cardholder)
Removed
International (cardholder)
Not included

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
1% base cashback
Reward type
Cashback
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹500
Joining fee
₹500 · verified 11 Jul 2026
Fee waiver spend
Above ₹3,50,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹3,50,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹500–₹1,200 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · single source · verify on issuer site

Where to verify
  • Operator-verified anchor
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹4,000.
  • Maximum waiver ₹400 per month.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
Axis Bank Flipkart
vs
HDFC Bank Millennia
SIDE BY SIDE
Axis Bank Flipkart
vs
HSBC India Live+
SIDE BY SIDE
Axis Bank Flipkart
vs
ICICI Bank Coral RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Myntra cashback cap: ₹4,000 per quarter.
  • Cleartrip cashback cap: ₹4,000 per quarter.
  • Flipkart cashback cap: ₹4,000 per quarter.
  • After the Myntra cashback cap is reached, further spends earn the base rate.
  • After the Cleartrip cashback cap is reached, further spends earn the base rate.
  • After the Flipkart cashback cap is reached, further spends earn the base rate.

Latest update

  • Annual fee: ₹500.
  • Forex markup currently listed at 3.5%.
  • Lounge access removed from 20 June 2025.

Common questions

From verified card facts

Is this good for lounge access?

Lounge access removed from 20 June 2025.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies above ₹3,50,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Last refreshed 4 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.