Axis Flipkart — creditmart.in

Key Details

₹500

Annual Fee

₹500

Joining Fee

3.5%

Forex Markup

₹3.0L

Min Income (Annual)

Rewards

5% on Flipkart/Myntra, 4% on preferred, 1.5% on others

Best For

Flipkart and Myntra shopping

Lounge Access

None

Fuel Surcharge Waiver

1% on ₹400-4000 transactions

Crediya's Verdict

The Axis Flipkart card mirrors what ICICI Amazon Pay does for Amazon — but for Flipkart. 5% unlimited on Flipkart/Myntra is unmatched. The 4% on Swiggy/Uber adds daily-use value. Just note rewards come as SuperCoins, not cash. If Flipkart is your primary shopping platform, pair this with the ICICI Amazon Pay card for maximum coverage.

Pros

✓ 5% unlimited cashback on Flipkart & Myntra

✓ 4% on Swiggy, Uber, PVR, Curefit

✓ 1.5% on all other spends

✓ Welcome benefit of ₹500 Flipkart voucher

✓ Annual fee waiver on ₹2L spend

Cons

✗ Cashback as Flipkart SuperCoins (limited use)

✗ No lounge access

✗ Co-branded card — limited bank benefits

Hidden Fees & Charges

⚠ Late payment fee: ₹400-1200

⚠ Over-limit fee: 2.5%

⚠ Cash advance: 2.5% (min ₹500)

⚠ Forex markup: 3.5%

⚠ Reward conversion to SuperCoins has variable rates