Axis Bank Flipkart Axis Bank credit card
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Flipkart Axis Bank credit card

5% on Flipkart and Cleartrip, 4% on Swiggy, Uber, PVR and Cult.

53
Personal score53/100● Good fit
Recurring net savings₹3,708/yrafter fee, GST and caps · bills paid in full
First-year value₹4,158incl. ₹450 welcome, ₹590 joining fee
Effective savings rate1.1%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹590waiver at ₹3,50,000 spend
Lounge access✈4 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: Axis Bank – Flipkart Axis Bank Credit Card · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹2,006/yr1% on other spends
−₹590Fee you pay
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! You pay the ₹590 annual fee (incl. GST) – waiver needs ₹3,50,000 spend.

Where the money comes from

₹3,708/yr · 1.1%
1% on other spendson ₹2,00,640₹2,006
5% on Flipkart & Cleartripon ₹25,200₹1,260
4% on Swiggy, Uber, PVR INOX, Cult.fiton ₹16,800₹672
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360
Renewal fee incl. GSTyou pay it−₹590

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 53 is built

weights total 100% · methodology
Net savings rate19/100 × 55%10.4
Usable lounge access100/100 × 15%15.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety56/100 × 5%2.8

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
4 per yeardomestic · needs ₹50,000 spend per quarter
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated5% 5% on Flipkart & Cleartrip4% 4% on Swiggy, Uber, PVR…1% 1% on other spends
🚫 No rewards onfuelrentinsuranceeducationutilities
🏷️ Fees₹590/yr incl. GSTwaived on ₹3,50,000 spend · joining ₹500
🎁 Welcome (year 1)≈ ₹450₹500 Flipkart voucher + Swiggy/Uber offers
🏁 Milestonesnone
✈️ Lounge✈4/yr dom🌏0 intlneeds ₹50,000/quarter · 4 domestic visits on ₹50k prior-quarter spend
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Auto-credited to statement within 45 days.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Uncapped 5% on Flipkart
  • 4% on Swiggy, Uber and PVR
  • Cashback lands automatically
  • Only 1% outside partners
  • Myntra removed from 4% list in 2024
  • Fee waiver needs ₹3.5L

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Community Q&A on the Flipkart Axis Bank

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Frequently asked questions

What is the annual fee of the Axis Bank Flipkart Axis Bank?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹3,50,000 in the card year.

Does the Flipkart Axis Bank give airport lounge access?

4 domestic/yr. 4 domestic visits on ₹50k prior-quarter spend. Access needs ₹50,000 spend per quarter.

How much can I save with the Flipkart Axis Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹3,708 a year, an effective savings rate of 1.1% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Flipkart Axis Bank's reward exclusions and caps?

No rewards on fuel, rent, insurance, education, utilities. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.