AXIS

Axis Bank Flipkart Credit Card

Good for Myntra purchases.

AXIS MASTERCARD

Flipkart

Should you get this?

Conditional fit

Confirm terms

Why this card

Up to 7.5% on Myntra
You can comfortably spend ₹3,50,000 a year on the card.
You spend on myntra.

Issuer evidence · 3 sources →

Trade-off

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

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

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%——

Annual fee break-even math

When does this card pay for itself

₹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

Best verified lane

Myntra (domestic)

7.5%

View bonus categories →

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

Annual fee waiver₹3,50,000yearAnnual fee waiverhighstrong

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: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
~₹6,000/year back · net +₹5,500 after ₹500 fee
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

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor
International (cardholder): Not included

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor

Rewards

Base cashback: 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: ₹3,50,000 Above catalog median waiver (₹2,00,000 vs ₹3,50,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

4 sources agree · verify issuer terms before applying

Where to verify

CardInsider
BankBazaar
CardExpert
Issuer site (verify current terms) , opens external site
Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

1% fuel surcharge waived on transactions ₹400–₹4,000.
Maximum waiver ₹400 per statement cycle.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

ICICI Bank Coral RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Monthly cap:₹4,000 per quarter.
After a category 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. Axis MITC confirms complimentary lounge access was removed for new and existing cardholders 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 at ₹3,50,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit worth ₹250 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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