Flipkart Axis Bank Credit Card review
Good for regular Flipkart, Myntra and Swiggy shoppers who want plain cashback on the statement. The quarterly caps limit heavy spenders, and bill payers will earn nothing on utilities, so pair it with another card for those.
Fees
₹500 a year + GST. Renewal fee waived on ₹3.5 lakh spend in the card year, not counting rent and wallet loads. Forex markup 3.5%.
Rewards
Cashback is credited straight to the card statement
- Flipkart: 5% – 5% on Flipkart up to ₹4,000 cashback a statement quarter; Myntra earns 7.5% under its own ₹4,000 quarterly cap
- Swiggy & Zomato: 4% – 4% with no cap on Swiggy food orders (a preferred merchant); Zomato earns the 1% base
- Fuel: 0%
- Flights & hotels: 1% – 5% only on Cleartrip bookings, capped at ₹4,000 a quarter; other travel sites earn 1%
- Bills: 0%
- Rent: 0%
- Insurance: 0%
- Education: 0%
- UPI with a credit card: 0% – Not issued on RuPay, so it can't be used on UPI
- Everything else: 1%
On a typical spending pattern this card gives back about ₹5,400 a year.
What’s good
- 5% back on Flipkart and Cleartrip and 7.5% on Myntra, credited to the statement
- Uncapped 4% at preferred partners such as Swiggy
- 1% back on most other spends with no upper limit
- Low ₹500 fee, waived at ₹3.5 lakh annual spend
What’s not
- Flipkart, Myntra and Cleartrip rewards are each capped at ₹4,000 a quarter
- Long list of categories that earn nothing, including utilities, insurance and fuel
- No lounge access since June 2025
- 3.5% foreign-currency markup
Lounge access
Domestic: None (withdrawn from 20 June 2025). International: None.