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Flipkart Axis Bank credit card

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

Personal score55/100● 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

Personalise Official page ↗

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

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

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 ₹3,708/yr is calculated: Flipkart Axis Bank
+ Reward value on your spendat ₹1/Cashback realistic value: ₹3,938
+ Fuel surcharge waiver1% up to ₹400/month: ₹360
− Annual fee incl. 18% GSTcharged every year: −₹590
= Recurring net savings: ₹3,708/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 1.1%

How the score of 55 is built

weights total 100% · methodology

Net savings rate23/100 × 55%12.7

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.

What changed on this card

20 Jun 2025DevaluationAxis Bank
Axis Bank 2025 devaluation: spend-gated or withdrawn domestic lounges, fewer guest visits
In phases across June, July and October 2025 Axis Bank removed complimentary domestic lounge access from several cards, made it conditional on ₹50,000 spend in the previous three months on others, cut guest visits on Atlas from 8 to 4 a year and revised the accelerated EDGE Rewards structure on Magnus for Burgundy from 20 June 2025. Cards on CardLens carry the post-change entitlements.
Cards: Atlas, Magnus, ACE, Flipkart Axis Bank, SELECT, Privilege, MY ZONE · Source: Finology – Axis Bank credit card devaluation 2025: key changes explained · verified 2026-09-19

All credit card changes →

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

Compare Flipkart Axis Bank with

Community Q&A on the Flipkart Axis Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the 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

Axis Bank – Flipkart Axis Bank Credit Card

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Flipkart Axis Bank lounge access by airport · all Axis Bank cards · change log.