Flipkart Axis Bank Credit Card
Axis Bank · Visa · Entry card
A strong platform card for Myntra and Flipkart users, with current issuer rates modeled separately so Myntra’s 7.5% does not leak into unrelated online spend.
Frequent Flipkart, Myntra, and Cleartrip shoppers.
Terms checked 13 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹0
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.
Named merchant rates
- Myntra
- 7.5%
- Flipkart
- 5%
- Swiggy
- 4%
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Groceries & essentials | 1% |
| Subscriptions & streaming | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
Caps and fee waiver
- Reward caps
- Myntra cashback: ₹4,000/quarter · Flipkart cashback: ₹4,000/quarter · Cleartrip cashback: ₹4,000/quarter
- Annual fee waiver
- At ₹3,50,000 annual spending
- Monthly income requirement
- Approx. ₹25,000/month
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 9 items
Myntra cashback
Usage-based value7.5% applies only to eligible Myntra purchases and excludes gift cards, EMI, gold and other listed transactions.
Conditions: 7.5% applies only to eligible Myntra purchases and excludes gift cards, EMI, gold and other listed transactions.
Flipkart cashback
Usage-based value5% applies only to eligible Flipkart purchases and excludes gift cards, EMI, gold and other listed transactions.
Conditions: 5% applies only to eligible Flipkart purchases and excludes gift cards, EMI, gold and other listed transactions.
Cleartrip cashback
Usage-based value5% applies only to eligible Cleartrip bookings.
Conditions: 5% applies only to eligible Cleartrip bookings.
Preferred-merchant cashback
Usage-based value4% applies only to the issuer’s current preferred-merchant list; merchant membership can change.
Conditions: 4% applies only to the issuer’s current preferred-merchant list; merchant membership can change.
Other eligible cashback
Usage-based value1% applies to other eligible transactions outside excluded MCCs.
7.5% cashback on Myntra, capped at ₹4,000 per statement quarter
Shown without a cash value5% cashback on Flipkart and Cleartrip, each capped at ₹4,000 per statement quarter
Shown without a cash valueUnlimited 4% cashback on the issuer’s current preferred merchants
Shown without a cash value1% cashback on all other eligible spends
Shown without a cash value
Fees · 1 item
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹3,50,000 of eligible annual spending.
Conditions: Reach ₹3,50,000 eligible annual spending
Welcome benefits · 1 item
First Swiggy order discount
Recorded value ₹10050% off the first eligible Swiggy order, capped at ₹100.
Conditions: Use the current issuer coupon on the first eligible Swiggy order · The ₹250 Flipkart voucher is not counted because current first-year-free issuance is ineligible
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible ₹400-₹4,000 transactions, capped at ₹400 per statement cycle
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Applicants must be resident Indians aged 18-70; the reviewed product page does not publish a universal numeric income threshold.
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 7.5% cashback on Myntra, capped at ₹4,000 per statement quarter
- ✓ 5% cashback on Flipkart and Cleartrip, each capped at ₹4,000 per statement quarter
- ✓ Unlimited 4% cashback on the issuer’s current preferred merchants
- ✓ 1% cashback on all other eligible spends
What to watch
The nil joining fee is a limited-period offer; the ₹500 renewal fee is waived only above ₹3.5 lakh annual eligible spend. Fuel and rent are excluded.
Recorded exclusions
Fuel · Rent · Wallet load · Gold Jewellery · Utility · Telecom · Insurance · Education Family · Government payments · Emi · Cash withdrawal · Fees and charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026