Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card is co-branded credit card partnership with flipkart is one of the top cashback credit card. You will get 5% unlimited cashback on flipkart and also on cleartrip so whether you buy apparael, grocery or anything from flipkart you will get 5% unlimited cashback. Apart from flipkart and cleartrip there is also 4% unlimited cashback on cult.fit, swiggy, uber & pvr. So if you are looking for shopping, travel, entertainment flipkart axis bank credit card is must have credit card. For details about this card please read below.
JOINING FEE
RS. 500+GST
RENEWAL FEE
RS. 500+GST
BENEFITS
Complimentary 4 Domestic Airport Lounge in Year
REWARDS &CASHBACK
5% unlimited Cashback on flipkart & cleartrip and 4% unlimited cashback on pvr, cultfit, uber, swiggy
Features & Benefits
Welcome Benefits
- Get Rs.500 worth of flipkart voucher after paying joining fee and making single transaction within 30 days of card issuance.
- Get 50% instant discount upto Rs.100 on 1st swiggy order.
Cashback
- Get unlimited 5% cashback on Flipkart & Cleartrip spends..
- Get unlimited 4% cashback on preferred partner i.e Cult.fit, PVR, Uber, Swiggy. This partners change from time to time.
- Get unlimited 1% cashback on all other spends online or offline.
- You will not earn cashback on Fuel, utilities, Insurance, Govt.Institution, EMI, Wallet loading, Rent payment, Jewelry & Gift card purchase from flipkart or myntra.
Airport Lounge
- Get 4 complimentary domestic airport lounge access in year on spending Rs.50000 in previous three months
- See the eligible lounge list here.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.4000. Maximum waiver is Rs.400 per month.
Spend Based Waiver
- The annual fee of Rs.500 is waived off if you have spent RS. 3.5 lakh in previous year.
Dining Benefits
- You can get upto 15% off at partner resturant with Axis bank dining delight.
Cashback Comparison
| Features | Flipkart Axis Card | Amazon ICICI Card | SBI Cashbak Card |
|---|---|---|---|
|
Annual Fee |
Rs.500+GST |
NIL |
Rs.999+GST |
|
Cashback Criteria |
5% unlimited on Flipkart & Cleartrip. 4% cashback on PVR, Swiggy, Cult.fit,uber |
5% unlimited cashback on Amazon for prime & 3% for Non prime member |
5% Cashback on all online spend with maximum cashback limit of Rs.5000 a month |
|
Cashback on offline |
1% |
1% |
1% |
|
Cashback Credited |
In the next billing cycle |
Added to Amazon pay balance |
Adjusted every month against the card statement balance. |
|
Other Benefits |
4 Domestic Complimentary lounge & 15% off in Axis Dining delight |
2% Cashback on utility bill, DTH & mobile recharge,gift cards, loading amazon pay balance etc. |
NA |
Fees & Charges
Reward Redemption Fee
- There is no Reward redemption fee. All you earn in the form of cashback and can be adjusted in next month billing cycle which is good thing so no need to worry about where the cashback is getting credited.
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
- Pros & Cons
Pros
- 5% unlimited cashback on flipkart & cleartrip.
- 4% unlimited cashback on Cult.fit, Uber, Swiggy, PVR.
- 4 complimentary lounge access in year.
Cons
- Only 1% cashback on Flights & hotels on flipkart.
- Only 1% cashback on Bills & recharge on flipkart smart store.
- Casback has reduced from 1.5% to 1% on many spends.
- No cashback on spends such as fuel, insurance etc.
- Final Thoughts
Flipkart Axis bank credit card is one of the best credit card in the market. If you love online shopping and mostly shops through flipkart then you can go for this credit card. The card have very nominal fee that is Rs.500 and give much more benefits than other competitor credit card like Amazon ICICI cashback credit card. Both cards are good on their own terms. But Flipkart Axis also provide lounge access and 4% cashback on preferred partners which is an edge. After major devaluation of Flipkart axis bank credit card, it reduces its cashback from 1.5% to1% but still at this segment and fee this beat major credit card in the market.
- Frequently Asked Questions
How much maximum cashback can be earned in Flipkart Axis Bank credit card?
You can earn as many as cashback depend upon how much did you spend and where you had spend. you will earn 5% unlimited cashback on flipkart but on other only 1%.
Do I get both complimentary Domestic & International lounge access?
You will get only domestic lounge access 4 in a year based on spend criteria that Rs.50000 in previous 3 month.
Does Flipkart Axis Bank credit card have spend based annual fee waiver?
Yes the annual fee is waived off on spending Rs. 3.5lakh in previous year.