Synopsis: Flipkart Axis Bank Credit Card is being offered with a First Year Free benefit waving the standard ₹500 joining fee till 31st July for all eligible applicants. This article discusses the latest offer, fees, cashbacks, welcome benefits, eligibility, important features, and more before you apply.
The use of online shopping credit cards has increased with people seeking to save as much as possible on their daily shopping. One of the best choices is the Flipkart Axis Bank Credit Card where the user can avail rebates for purchases done through the credit card including shopping, travel, food delivery, lifestyle spends, etc. Now, the card has been brought to the fore with a limited time promotion of First Year Free (FYF) which means that for the first year eligible customers can enjoy its benefits without paying the joining fee.
What’s new: First Year Free offer
Axis Bank has launched a limited-time “First Year Free (FYF)” promotion for its Flipkart Axis Bank Credit Card. On this offer, customers who meet the card’s requirements will be eligible to apply for the card for free up to July 31.
There is a little difference between the FYF variant and the regular paid one. While the joining fee is waived, the ₹250 flipkart welcome voucher is not available on FYF card. However, cardholders will continue to receive the Swiggy welcome offer of 50% off up to ₹100, in addition to the cashback benefits and other perks of the card. Annual fee and renewal conditions apply from the second year onwards.
Fees & Charges
- Joining fee: ₹500 + GST (Free under First Year Free offer till 31/07).
- Annual Fee (from 2nd year): ₹500 + GST.
- Annual fee waiver: Waived off on spending of ₹3.5 lakh or more during the previous year.
Cashback Structure
- 7.5% cashback on Myntra, capped at ₹4,000
- 5% cashback on Flipkart and Cleartrip, capped at ₹4,000
- 4% cashback on preferred merchants like Swiggy, Uber, PVR INOX, Cult.fit
- 1% unlimited cashback on all other eligible online & offline spends.
Exclusion: No cashbacks on fuel purchases, EMI transactions, wallet loads, rent, government services, insurance payments, and gift card purchases.
Welcome Benefits & Partner Offers
The Flipkart Axis Bank Credit Card offers welcome benefits worth up to ₹350 upon card activation. Cardholders can receive a ₹250 Flipkart voucher by making their first transaction on Flipkart within 30 days of card issuance. However, this benefit is available only on paid card variants and is not applicable to the First Year Free (FYF) offer. Additionally, both paid and FYF cardholders can enjoy a 50% discount of up to ₹100 on their first Swiggy Food order by using the coupon code AXISFKNEW.
Key Features & Benefits
The Flipkart Axis Bank Credit Card comes with several lifestyle and convenience benefits. Under the Wednesday Delight offers, cardholders can enjoy 15% off on flight and hotel bookings through MakeMyTrip, 10% off on Swiggy orders, and 10% off on Tira purchases up to ₹1,000. The card also supports contactless payments, allowing quick and secure tap-and-pay transactions. Users can avail a 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹4,000, subject to a maximum waiver of ₹400 per statement.
Additionally, Axis Bank provides an EMI conversion facility, enabling eligible purchases to be converted into easy monthly instalments. For enhanced security, the card is equipped with EMV chip technology and further security measures. Cardholders can also conveniently manage their card through the Axis Bank Mobile App and Internet Banking, making it easy to track spending, monitor transactions, and pay credit card bills.
Eligibility
To apply for the Credit Card, applicants must be between 18 and 70 years of age and the Individual should be a Resident of India. The Card can be applied for by salaried as well as self-employed individuals, subject to the bank’s eligibility criteria.
To apply for the card, please visit the Official Website
Who should consider this card?
The Flipkart Axis Bank Credit Card is well-suited for individuals who frequently shop online and spend on lifestyle purchases. It is particularly beneficial for regular Flipkart shoppers looking to maximise cashback on their purchases. The card is also a good choice for Myntra customers who spend on fashion and lifestyle products, as well as Cleartrip users who regularly book flights and hotels. Additionally, frequent users of Swiggy, Uber, and PVR INOX can benefit from the enhanced cashback offers available on these partner platforms.
Things to keep in mind
The First Year Free (FYF) offer is available only to eligible applicants who apply on or before July 31. It is also important to note that the ₹250 Flipkart welcome voucher is not available with the FYF variant. From the second year onwards, the card carries an annual fee of ₹500 plus applicable taxes, which can be waived if the cardholder spends ₹3.5 lakh or more during the preceding card anniversary year.
If airport lounge access is a priority, consider these alternatives
- BOBCARD Eterna: Unlimited domestic lounge access, 5x rewards on flight and hotel bookings. (15 reward points per ₹100 spent, 1 reward point = ₹0.25 if converted points-to-cash)
- IndusInd Bank Tiger credit card: 2 complementary domestic lounge visits per quarter, and 2 complementary international lounge visits per year.
- Scapia Credit card: Unlimited domestic lounge access and complementary domestic privilege(Eat,Shop & Spa) (unlocked on monthly spend of ₹20,000); Duty-free shopping or dining at international terminals within India(unlocks with ₹50,000 or more international booking made directly through the Scapia App)
Conclusion
With its First Year Free offer valid till July 31st, 2026, the flipkart Axis Bank Credit Card has become a more attractive option for new applicants. It provides great value cashbacks on purchases at Flipkart, Myntra, Cleartrip and on items that are used in daily life, a low annual fee waiver and more. It’s important to note that cashback is excluded on certain purchases and the benefits have been changed, so applicants should also take these factors into account before deciding whether or not the card suits their spending habits.
