Axis Flipkart Credit Card

About Axis Flipkart Credit Card

Are you spending thousands on Flipkart every month but missing out on direct savings? The Axis Flipkart Credit Card is built to turn your shopping habits into a steady stream of cashback.

This card simplifies your rewards by putting money back into your statement. You can expect to save up to ₹12,000 annually if you are a frequent online shopper. There are no complex point systems or catalogs to browse. You spend, you earn, and the bank adjusts the value directly against your next bill.

Targeted at professionals and self-employed individuals earning at least ₹25,000 monthly, this card is a go-to for anyone who prefers the Flipkart ecosystem. Whether you are buying the latest smartphone or restocking your wardrobe, this card ensures you do not leave money on the table.

What sets it apart:

• ✓ No-Hassle Redemption: Unlike cards that make you wait to reach a certain point threshold, this card adjusts your cashback automatically in your monthly statement.
• ✓ Welcome Perks: Start your journey with a ₹250 Flipkart voucher just for joining and making a small initial transaction.
• ✓ Low Maintenance Cost: With a joining fee of just ₹500, the card pays for itself through its direct cashback mechanism.

Quick check: To qualify for this card, you should ideally be between 21-65 years old with a credit score (CRIF) of 720 or higher.

Let's break down why this card stands out in a crowded market:

Key Benefits and Features of Axis Flipkart Credit Card

The Axis Flipkart Credit Card is designed for people who want their credit card to work as hard as they do. Here is a detailed look at the benefits you can access:

Direct Cashback into Your Statement

The standout feature here is the cashback delivery. You do not have to log into a portal or browse a reward catalog. The bank calculates your earnings and deducts the amount from your monthly statement balance. This makes the process entirely automatic and transparent.

Welcome Rewards for New Users

When you get the card, you are greeted with a ₹250 Flipkart voucher. To trigger this benefit, you simply need to make a minimum transaction of ₹100 within the first 30 days of receiving your card. This effectively covers half of your joining fee immediately.

Annual Fee and Waiver Conditions

The card comes with a joining fee of ₹500 and an annual fee of ₹500. However, the bank offers a way to get the annual fee waived. If you spend more than ₹3,50,000 in a year, the ₹500 fee is removed. For a person spending roughly ₹30,000 a month, this waiver is easily achievable.

Exclusions to Keep in Mind

While the card is great for shopping, it is important to know where you will not earn rewards. The following categories are excluded from cashback earnings:

• Utility and Telecom payments
• Education expenses and Rent
• Wallet loads and Government-related transactions
• Insurance payments and Fuel spends
• Jewellery purchases and Cash advances

Eligibility Requirements

To maximize your chances of approval, you should meet the following criteria:

• Age: While the bank accepts ages 18-70, we recommend being between 21 and 65 for a higher success rate.
• Income for Salaried: A monthly income of ₹25,000 is required.
• Income for Self-Employed: An annual income (ITR) of ₹3.5 Lakh is necessary.
• Credit Score: A CRIF score of 720 or higher is the ideal benchmark.

How to Apply for the Axis Flipkart Credit Card

The application process is straightforward. Follow these steps to get your card:

1. Check Your Income: Ensure you meet the minimum monthly income of ₹25,000 if you are salaried, or have an ITR of ₹3.5 Lakh if you are self-employed.
2. Visit the Portal: Go to the official application link or use the Flipkart app to start the process.
3. Fill in Details: Provide your personal information, Aadhaar number, and PAN details.
4. VKYC (Video KYC): Complete the video verification. Ensure you are within 50km of your Aadhaar or communication address, otherwise, the application might be rejected.
5. Document Submission: Upload your income proof (salary slips or ITR) and address proof.
6. First Transaction: Once the card arrives, spend at least ₹100 within 30 days to keep the card active and claim your ₹250 voucher.

Processing Timeline: Applications are processed within 7 to 14 working days, subject to successful document verification.

Credit Limit and What to Expect

Credit limits are assigned based on your income, credit score, and existing banking relationship. Most applicants receive a limit between ₹40,000 and ₹3,00,000 depending on their profile strength.

A higher income and a CRIF score above 720 ensure a more generous limit. Consistent card usage and timely bill payments qualify you for a limit increase after 6-12 months of disciplined usage.

Comparison Table: Axis Flipkart vs. Competitors

To help you decide, we have compared this card with other popular cashback options in the Indian market.

Feature	Axis Flipkart Credit Card	Amazon Pay ICICI Card	Axis Ace Credit Card	SBI Cashback Card
Joining Fee	₹500	₹0	₹499	₹999
Annual Fee	₹500	₹0	₹499	₹999
Best For	Flipkart & Myntra	Amazon Shopping	Offline & Bill Payments	Universal Online Spends
Fee Waiver	Spend ₹3.5 Lakh	N/A (Life Time Free)	Spend ₹2 Lakh	Spend ₹2 Lakh
Winner For	Flipkart Loyalists	Amazon Prime Users	Utility & Google Pay	High Volume Online Shoppers

If you do the bulk of your shopping on Flipkart and Myntra, the Axis Flipkart card is the clear winner. However, if you want a card that covers all online platforms equally, the SBI Cashback card might be worth the higher fee. For those who want a completely free card and use Amazon, the ICICI Amazon Pay card is the better choice.

Documents Required for Axis Flipkart Credit Card Application

You'll need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the Axis Flipkart Credit Card:

The Flipkart Loyalist: If you are someone who spends ₹15,000 to ₹20,000 monthly on Flipkart for electronics, groceries, and fashion, this card is a no-brainer. Your annual savings will easily cross the ₹10,000 mark, making the ₹500 fee irrelevant.

The "Keep it Simple" Professional: You earn ₹40,000 a month and hate tracking reward points or expiration dates. You want a card where the benefits are handled automatically. Since this card adjusts cashback in your statement, it fits your low-maintenance lifestyle perfectly.

The First-Time Card Holder: If you have a decent credit score of 720 and meet the ₹25,000 income criteria, this is an excellent entry-level card. It teaches you how to manage credit while giving you tangible value back on every purchase.

You might want to skip this card if:

• You already have another Axis bank credit card (as you won't be eligible for the welcome rewards).
• You do most of your shopping on Amazon or local retail stores.
• You spend heavily on utilities and rent, as these categories are excluded from rewards.

BankKaro Expert Review

Based on the card's features, this card excels at providing high value to a specific segment of online shoppers. The automatic statement credit is a huge plus because it removes the friction of "earning vs. using" rewards. You don't have to think about it; the savings just happen.

However, the biggest limitation is the restrictive nature of the welcome benefits and the VKYC rules. If you already hold an Axis card, the lack of joining rewards makes it less attractive. Also, the ₹3.5 Lakh waiver for the annual fee is quite high compared to competitors like the Axis Ace or SBI Cashback card, which offer waivers at the ₹2 Lakh mark.

Our verdict: Choose this card if Flipkart is your primary shopping destination. It is a reliable, high-earning tool for the average Indian consumer. If you are looking for a more "all-rounder" card for utility bills and general offline spends, you might find more value elsewhere.

Terms and Conditions

Please note the following terms for the Axis Flipkart Credit Card:

• If you currently use or have used any Axis Credit card, you are not eligible for the joining rewards.
• Applying for a different card after being redirected will result in receiving the reward rates for that specific card instead.
• There are no rewards provided on the Axis Neo Credit card.
• Application tracking takes approximately 72 hours after the ID is generated.
• The confirmation timeline for your card rewards is within 75 days of card activation.
• A minimum transaction of ₹100 is mandatory within 30 days of card issuance to keep the account active.
• Video KYC (VKYC) must be performed within a 50km radius of your Aadhaar or communication address to avoid rejection.
• Rewards are not applicable for applications made directly through the Axis Bank App.

Refer to the official Axis Bank website for the complete and most current terms and conditions.