Why you should get it
Flipkart & Myntra Shoppers
- 5% Cashback on Flipkart (Capped at ₹4,000/quarter per merchant)
- 4% Unlimited Cashback on Swiggy, Uber, PVR, Cult.fit
- 1.5% Unlimited Cashback on other spends
- Welcome Benefits worth ₹600
Back to Browse
Why get it Why skip it Step 1 Annual fee₹500 Fee waiver₹3,50,000 Best return5% Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Visits listed42 visits Access rule₹4,000 / quarter Coverage sourceIssuer mapped
Axis • MasterCard
Flipkart Axis Bank Credit Card
Decision memoUpdated 13 Feb 2026
Get it if
Use this card first for flipkart & myntra shoppers-aligned spends before routing to general-spend cards
Skip it if
Lounge Access Discontinued (June 2025)
Verified 13 Feb 2026VerifiedHigh confidence2 sources checked
Latest change: Updated as per Axis page including 20-Jun-2025 terms update references
For Flipkart & Myntra Shoppers. 5% on shopping spend. ₹500 fee, waiver at ₹3,50,000. Lounge rule: ₹4,000 / quarter.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- Lounge Access Discontinued (June 2025)
- Cashback on Flipkart/Myntra is now capped (quarterly)
- High Annual Fee Waiver threshold (₹3.5L)
Annual Fee₹500Joining fee ₹500
Spend to Waive Fee₹3,50,000Waived on ₹3.5 Lakhs spend
Best Category Return5%Shopping spend
Lounge Access Condition₹4,000 / quarter42 visits listed
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- Use this card first for flipkart & myntra shoppers-aligned spends before routing to general-spend cards.
- Prioritize transactions in accelerated bands (shopping 5.0%, dining 4.0%) and shift overflow after cap pressure appears.
- Track annual spend against fee-waiver threshold and reassess renewal if utilization remains low.
Watch before applying
- Lounge Access Discontinued (June 2025)
- Cashback on Flipkart/Myntra is now capped (quarterly)
- Term changes and partner-list updates can shift effective value; review issuer terms periodically.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Same-bank step-up path
These are objective same-bank step-up options from the current rewards and lounge model.
Airtel Axis Bank Credit Card
Annual fee: ₹500
Shared focus: Dining, CashbackHigher top earn rate (25.0%)Estimated +₹4,032/yr value
View DetailsSimilar Cards You Might Like
Value & Fees
Check if the card clears its own fee.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹500
Waived on ₹3.5 Lakhs spend
Shopping spend
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
31 domestic • 11 international
- Source file: Visa India participating airport lounges PDF (generic domestic programme section). - Imported lounge rows are network-level; access is card-tier and issuer-policy dependent. - Verify spend thresholds, card eligibility, and visit caps in latest issuer terms before travel.
Mapped from issuer lounge dataset + card policy signals
Decision Details
Open the dense rulebook only when you are close to applying.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Keep proof and verification at the bottom.
This is the validation layer. Use it after the card already feels like a possible yes.