It is the day and age of online shopping as it offers umpteen amounts of convenience along with many exciting rewards and offers. Today, a lot of online shopping sites are tying up with credit card issuers and banks to offer better deals for their frequent customers. As a recent noteworthy example, we can look at Axis bank’s Flipkart credit card.
Axis bank Flipkart credit card is designed for those who are looking to get frequent discounts and offers while shopping at Flipkart and many other associated online marketplaces like Myntra, Goibibo, Uber Eats, MakeMyTrip, Urban Clap, to name a few. Here, we will walk you through some must-know information about this credit card and also provide steps on easily getting the card.
Axis Bank is one of the leading banks in India and offers a range of financial products, including credit cards. The bank has various credit card offers designed to meet the needs of all its customers. Some credit card categories which the bank provides include shopping, lifestyle, travel, etc.
The Axis Bank Flipkart credit card is a shopping credit card launched jointly by Axis Bank and Flipkart. It comes with a wide range of features and multiple benefits like cashback, airport lounge access, fuel benefits, etc.
With this card, users can look forward to 5% cashback while shopping at Flipkart, Myntra, and other partner websites. This co-branded card also has the second-highest flat cashback of 1.5% flat cashback for other spends.
Here are some noteworthy features of Axis bank Flipkart credit card which make this card a sought-after financial instrument.
| Joining Fees | Rs.500/- |
| Annual Fees | Rs.500/- (this fee is waived off if annual spend is Rs.2 lakhs or more) |
| Ideal For | Cashback, Shopping, and Travel |
| Welcome Benefits of Card | Rs. 2,900 is given as joining and activation benefits from Flipkart, MakeMyTrip, Goibibo, Gaana, and Myntra |
| Cashback Benefits |
|
Noteworthy benefits offered by the Axis bank Flipkart credit card are as mentioned below:
The welcome/activation benefits of the card are:
Cashback benefits offered by the card are:
Some basic eligibility criteria set by Axis bank for this card are:
During the application of Axis bank Flipkart credit card, the bank requires an individual applicant to furnish any of the following documents under each of the categories as stated below:
| Identity Proof | PAN Card, Aadhaar Card, Voter’s ID Card, Passport, Driving Licence, or any other government-approved photo ID |
| Address Proof | Passport, Aadhaar Card, Utility bills (not more than 3 months old), or any other government-approved address proof |
| Income Proof | Bank statement for the last 3 months, Salary slips for the last 3 months, Audited financials for the last two years (for self-employed), Form 16, etc. |
There are two modes of applying for Axis bank Flipkart credit card, online and offline. Here are the steps to follow for each:
You can visit the nearest bank branch to apply for Axis bank Flipkart credit card and the process of post-application is the same as in online mode.
| Category | Amount |
| Joining Fees | Rs. 500 |
| Annual Fees | Rs. 500 (applicable from 2nd year and complete waiver in case annual spend exceeds Rs. 2 Lakhs) |
| Finance Charges | 3.40% per month (49.36% per annum) |
| Cash Withdrawal Fee | 2.5% of the cash amount/Minimum Rs. 500 |
| Cash Payment Fee | Rs. 100 |
| Late Payment Fee | Nil for total payment up to Rs. 300 Rs. 100 if the total payment is between Rs. 301-Rs 1,000 Rs. 500 if the total payment is between Rs. 501 – Rs 1,000 Rs. 750 if the total payment is between Rs. 1,001- Rs 10,000 Rs. 950 if the total payment is between Rs. 10,001 – Rs. 25,000 Rs. 1000 if the total payment is Rs. 25,000 – Rs. 50,000 Rs. 1200 if the total payment is above Rs. 50,000 |
| Cheque return or Dishonour Fee | Min. Rs. 450/ 2% of the amount |
| Fuel Transaction Surcharge | 1% of the transaction amount |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
If you are a regular customer at online shopping places like Flipkart, Myntra, and Axis bank’s other online partner merchants, the Axis bank Flipkart credit card can prove very beneficial for you. If you are looking to decide on applying for this card, here are some helpful tips:
It is easy to get the Axis bank Flipkart credit card. You can try it out after considering all the above factors. Before making an application, ensure that you have an excellent credit history and repayment track record. This will help in your application being easily accepted.
Axis bank requires a minimum credit score of 700 for its Flipkart credit card issuance. The bank offers it to salaried and self-employed individuals.
You can either apply for this card online through the bank website or by visiting the nearest bank branch. If you are new to Axis bank, furnish KYC documents for verification.
Any individual between the age bracket of 18-70 years is eligible to apply for this card. The bank allows Indian residents and also NRIs to apply for this card.
The bank decides the credit limit on the card, depending on the applicant’s credit profile and credit history.
The card provides direct cashback for all transactions which are directly credited to your account statement.
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