The Flipkart Axis Bank Credit Card is one of India’s most popular shopping cards for a simple reason: it pays real cashback, not points, on apps most people already use. You get 7.5% on Myntra, 5% on Flipkart and Cleartrip, an uncapped 4% on Swiggy, PVR, Uber and Cult.fit, and 1% on almost everything else.
Limited-time offer: the card is first year free for applications made till 31 October 2026. After that, the joining fee may apply.
How the cashback works
| Where you spend | Cashback | Cap |
|---|---|---|
| Myntra | 7.5% | ₹4,000 per quarter |
| Flipkart (excluding Flipkart Health) and Cleartrip | 5% | ₹4,000 per merchant per quarter |
| Swiggy, PVR, Uber, Cult.fit | 4% | No cap |
| Other spends | 1% | No cap |
What you would actually earn
Say you spend ₹6,000 a month on Flipkart, ₹2,000 on Myntra, ₹4,000 on Swiggy and Uber and ₹10,000 on everything else. That earns ₹300 + ₹150 + ₹160 + ₹100 = ₹710 a month, or about ₹8,500 a year, well within the quarterly caps. Cashback is paid as money back rather than points, so there is nothing to convert and no redemption fee to worry about.
The Flipkart cap of ₹4,000 a quarter is reached at about ₹26,700 of Flipkart spending a month, so most people will never hit it. Your yearly spend in this example (about ₹2.6 lakh) falls short of the ₹3.5 lakh waiver, so budget for the ₹500 + GST fee from year two. It is easily covered by the cashback.
Other benefits
- Welcome benefits worth ₹350: a ₹250 Flipkart gift voucher and ₹100 off on Swiggy for new Swiggy users.
- Fuel surcharge waiver: 1% on transactions between ₹400 and ₹4,000, capped at ₹400.
Fees and charges
| Joining fee | Free (first year free till 31 October 2026) |
|---|---|
| Annual fee | ₹500 + GST from the second year |
| Annual fee waiver | Spend ₹3,50,000 or more in the previous year |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month |
| Income (self-employed) | ITR above ₹3,60,000 a year |
| Credit score | 736 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card, Form 60 or passport
- Address: Aadhaar, passport or a recent utility bill
- Income: bank statements, salary slips, Form 16 or ITR
- Photo: a recent passport-sized photograph
How to apply
- Tap Apply on Axis Bank site on this page to open Axis Bank’s credit card application.
- Fill in the form in one session, using the mobile number linked to your Aadhaar.
- If your home and office are 150 km or more apart, choose your residence as the mailing address.
- Complete video KYC when asked, from within about 50 km of your Aadhaar or communication address.
- Once the card arrives, activate it with a first purchase of ₹100 or more within 30 days.
Who should get it, and who shouldn’t
Get it if Flipkart, Myntra, Swiggy or Uber make up a big chunk of your monthly spending. Few cards return this much on those apps with so little effort.
Skip it if you mostly shop offline or on other sites, where it pays only 1%, or if you have never had a credit card before, since Axis Bank does not accept new-to-credit applicants for this card.
