Flipkart Axis Bank Credit Card Review – How to apply, charges
Introduction to Flipkart Axis Bank Credit Card – In the fast-paced landscape of credit cards, the Flipkart Axis Bank Credit Card emerges as a compelling choice for avid shoppers, offering a gateway to a realm of rewards and benefits. In this comprehensive review, we delve into the intricacies of this co-branded card, exploring its features, application process, charges, eligibility criteria, and more.
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Table of Content
- Table of Content
- Flipkart Axis Bank Credit Card Overview
- Overview
- What is a Flipkart Axis Bank Credit Card?
- Credit Card Limit
- Benefits And Features of Flipkart Axis Bank Credit Card:
- Cashback Bonanza
- Welcome Benefits
- Annual Fee Waiver
- Zero Joining Fee
- Lounge Access
- Top 10 Must-Read Points For Axis Bank Flipkart Credit Card
- Flipkart Axis Credit Card Charges, Annual, Joining, And Fees
- Flipkart Axis Credit Card Apply Eligibility Criteria
- How to Apply
Checking Flipkart Axis Bank Credit Card Application Status- How to Activate
- How to Log in
- Customer Care Number
- How to increase Flipkart Axis Bank Credit card Limit
- Additional Points
- FAQs: Flipkart Axis Bank Credit Card
- Credit Improvement Articles
- Our Finance Products
Flipkart Axis Bank Credit Card Overview
List | Overview |
---|---|
Annual Fee | Rs. 499 (Waived off on spending Rs. 3.5 lakh or more) |
Joining Fee | Zero |
Cashback Rates | – 5% on Flipkart purchases – 4% on preferred merchants (Swiggy, Uber, PVR, etc.) – 1.5% on Myntra and Flipkart flight & hotel payments – 1.5% on all other categories |
Welcome Benefits | – Rs. 500 Flipkart voucher on the first transaction – 50% discount up to Rs. 100 on the first Swiggy transaction (code: AXISFKNEW) – Two free movie tickets per quarter on BookMyShow and Paytm – Airport lounge access through Priority Pass |
Annual Fee Waiver | Applicable on spending Rs. 3.5 lakh or more in the previous year |
Finance Charges | 3.6% per month (52.86% per annum) |
Late Payment Fee | – Nil for outstanding amount up to Rs. 500 – Rs. 500 for the outstanding amount between Rs. 501 to Rs. 5,000 – Rs. 750 for the outstanding amount between Rs. 5,001 to Rs. 10,000 – Rs. 1,200 for outstanding amount exceeding Rs. 10,000 |
Cash Withdrawal Fee | 2.5% of the total amount withdrawn (minimum Rs. 500) |
Fuel Surcharge Waiver | 1% for transactions worth Rs. 400 to Rs. 4,000 (Maximum waiver of Rs. 400 in a month) |
Additional Benefits | – Accidental death insurance cover – Priority Pass membership for lounge access |
Eligibility Criteria | – Age: 18 to 70 years – Occupation: Salaried or Self-employed – Minimum Income: Salaried – Rs. 18,000 per month, Self-Employed – Rs. 25,000 per month |
Documents Required | – Address Proof: Aadhar card, utility bills (last 3 months), government-approved address documents – Identity Proof: Aadhar card, PAN card, passport, voter ID, other government-approved identity documents – Income Proof: Salary slips, bank statements, Form 16, copy of IT return |
Overview
The Flipkart Axis Bank Credit Card, a collaborative effort between Axis Bank and Flipkart, is not just a payment tool but a strategic entry into a world of cashback rewards and exclusive benefits. Positioned as an ideal companion for Flipkart enthusiasts, this credit card caters to both online and offline transactions, making every spend count.
What is a Flipkart Axis Bank Credit Card?
At its core, the Flipkart Axis Bank Credit Card is a cashback-centric financial instrument designed to reward users for their spending, particularly on Flipkart and partner merchants. This co-branded card amplifies the joy of shopping by offering cashback on Flipkart purchases, preferred merchants, and other everyday transactions.
Credit Card Limit
Determining the exact credit limit for your Flipkart Axis Bank credit card is contingent upon several individual factors, including your creditworthiness, income, employment status, and your relationship with Axis Bank. Generally considered an entry-level card, it typically offers credit limits ranging from ₹15,000 to ₹5 Lakhs. Your specific credit limit can vary based on the mentioned factors.
To find your credit limit:
- Check your statement: Your monthly credit card statement should display your credit limit.
- Online Banking or Mobile App: Log in to your Axis Bank online banking portal or mobile app to view your credit limit.
- Customer Care: Contact Axis Bank customer care at 1860 419 5555 or 1860 500 5555 to inquire about your credit limit.
Benefits And Features of Flipkart Axis Bank Credit Card:
Cashback Bonanza
The standout feature of this credit card is its cashback structure, ensuring that every swipe yields tangible rewards. The key cashback categories include:
- Flipkart Feast: Enjoy an unlimited 5% cashback on all purchases made on Flipkart, spanning categories from electronics to fashion.
- Beyond Flipkart: Extend the rewards to other preferred merchants such as Uber, Swiggy, Zomato, MakeMyTrip, and PVR, earning a generous 4% cashback.
- Universal Bonus: For all other transactions, whether it’s fuel, groceries, or utilities, earn a steady 1.5% cashback.
Welcome Benefits
Upon issuance, the card welcomes users with a bundle of benefits, including:
- A welcome voucher worth Rs. 500 for Flipkart, injecting an immediate dose of savings into your shopping endeavors.
- Two free movie tickets per quarter on BookMyShow and Paytm, adding entertainment value to your card.
- Airport lounge access through the Priority Pass program, transforming travel layovers into comfortable experiences.
- Accidental death insurance cover, providing an extra layer of security.
Annual Fee Waiver
While the card carries an annual fee of Rs. 499, this fee becomes a non-issue if you spend Rs. 3.5 lakh or more in a year, ensuring a fee waiver for active users.
Zero Joining Fee
The Flipkart Axis Bank Credit Card welcomes users with open arms, requiring no joining fee, making it accessible to a broader audience.
Lounge Access
- Number of Visits: Enjoy 4 complimentary domestic lounge access visits annually, with one visit allowed per calendar quarter.
- Type of Access: The access is exclusive to the cardholder, and guest access is not provided.
- Participating Lounges: Access lounges under the Axis Bank Airport Lounge Access Program, including those at various domestic airports operated by Plaza Premium Lounges, TFS, DreamFolks, and others.
- Availing Access: Simply present your Flipkart Axis Bank credit card at the lounge reception to verify eligibility and gain access.
- Additional Information: Be aware that certain lounges may charge extra for specific services like food, beverages, or spa treatments, which are not covered by the complimentary access. Some lounges may have limited capacity or require advance reservations, so it’s recommended to check details and policies in advance for a smooth experience.
Top 10 Must-Read Points For Axis Bank Flipkart Credit Card
- Flipkart Cashback: Enjoy an unlimited 5% cashback on all Flipkart purchases, covering a wide array of products, including gadgets, groceries, and furniture.
- Beyond Flipkart: Earn a generous 4% cashback on select partner brands, including Uber, Swiggy, Zomato, MakeMyTrip, and PVR, enhancing the rewards on your indulgences.
- Universal Bonus: Receive a steady 1.5% cashback on all other eligible transactions, ensuring rewards on everyday expenses like fuel, groceries, and utilities.
- Welcome Benefits: Kickstart your credit card journey with Rs. 500 worth of Flipkart vouchers upon your first transaction within 30 days of card issuance, providing an initial taste of the cashback benefits.
- Annual Fee Waiver: Benefit from an annual fee waiver of Rs. 499 by spending Rs. 3.5 lakh or more in a year, making the card cost-effective for active users.
- Free Movie Tickets: Indulge in cinematic experiences with two complimentary movie tickets per quarter on BookMyShow and Paytm, adding entertainment perks to your card.
- Airport Lounge Access: Embrace the luxury of airport lounge access through the Priority Pass program, allowing you comfortable retreats during layovers.
- Zero Joining Fee: Experience the convenience of a credit card with no upfront charges, as the Flipkart Axis Bank Credit Card welcomes you with open arms and no joining fee.
- Accidental Death Insurance Cover: Ensure peace of mind with the card’s accidental death insurance cover, adding an extra layer of security to your financial well-being.
- Straightforward Eligibility: Become eligible with ease by meeting simple criteria, making the Flipkart Axis Bank Credit Card accessible to a wide range of individuals.
Flipkart Axis Credit Card Charges, Annual, Joining, And Fees
Charges | Amount (INR) |
---|---|
Annual Fee | ₹500 (Waived off on annual spends of ₹3.5 lakh or more) |
Finance Charges | 3.6% per month (52.86% per annum) |
Late Payment Fee | – Less than ₹500: Nil – ₹501 to ₹5,000: ₹500 – ₹5,001 to ₹10,000: ₹750 – Greater than ₹10,000: ₹1,200 |
Cash Withdrawal Fee | 2.5% of Total Amount (Minimum ₹500) |
Overdue Payment Fees | – Up to ₹300: Applicable – ₹301 to ₹500: Flat ₹100 – ₹501 to ₹1,000: ₹500 – ₹1,001 to ₹10,000: ₹500 – ₹10,001 to ₹25,000: ₹750 – ₹25,001 to ₹50,000: ₹1,000 – Up to ₹50,000: ₹1,000 |
EMI Bounce Charges | 2% on the EMI bounce |
Add-on Card Fee | No Annual and Joining fees are required |
Note: The information provided is subject to change, and it’s advisable to check the official sources for the latest updates.
Flipkart Axis Credit Card Apply Eligibility Criteria
To apply for the Flipkart Axis Bank Credit Card, meeting specific eligibility criteria is crucial, ensuring a smooth and successful application process. Here’s a comprehensive guide, emphasizing clarity and brevity:
Eligibility Criteria:
- Age Requirement: Applicants must fall within the age bracket of 18 to 70 years.
- Income Criteria: A minimum income of ₹15,000 for salaried individuals and ₹30,000 for self-employed or business professionals is required.
- Occupation: Both salaried and self-employed individuals are eligible to apply.
- Credit Score: Generally, a minimum credit score of 700 is necessary for approval.
Documents Required:
Ensure you have the following documents ready for a streamlined application process:
- For Address Verification: Aadhaar card, utility bills (last 3 months), or other government-approved address documents.
- For Income Verification: Recent salary slips, bank statements, Form 16, or income tax return copies (not older than 3 months).
- For Identity Verification: Aadhaar card, PAN card, passport, voter ID, or any other government-approved identity proof like a driving license.
Certainly! Here’s a concise guide on how to check eligibility and apply for the Flipkart Axis Bank Credit Card seamlessly through pricemint:
- Check Eligibility on Pricemint:
- Visit pricemint’s website.
- Navigate to the section dedicated to pricemint credit cards page.
- Enter the required details, such as your income, employment status, and personal information.
- Pricemint’s platform will provide you with an instant assessment of your eligibility for the Flipkart Axis Bank Credit Card.
- Apply Through Pricemint:
- Upon receiving a positive eligibility result, proceed to the application section on pricemint.
- Complete the application form with essential details, ensuring accuracy.
- Attach necessary documents for verification, including address proof, income documents, and identity proof.
- Submit your application through Pricemint’s secure platform.
How to Apply
To apply for the Flipkart Axis Bank Credit Card, follow these simple steps:
- Visit Flipkart or Axis Bank Website: Go to the official website of Flipkart or Axis Bank on your computer or smartphone.
- Search for the Credit Card: Use the search bar on the website and type “Flipkart Axis Bank Credit Card” to find the relevant information.
- Check Eligibility on Pricemint: Before applying, assess your eligibility for the credit card on the Pricemint website. If your chances of approval are higher, proceed with the application. This step can save time and ensure a smoother application process.
- Click on Apply Now: Once you find the credit card details, click on the “Apply Now” button to initiate the application process.
- Fill in Basic Information: You’ll be directed to a form where you need to provide basic details. Enter your full name, PAN card number, date of birth, and select your occupation (salaried or self-employed).
- Provide Occupation Details: Depending on your occupation, furnish accurate information. If you’re salaried, input your salary details; if self-employed, provide business information.
- Submit the Application: Double-check all the information you’ve entered and click on the “Submit Application” button.
- Wait for Verification: After submission, the bank will review your application. This process may take a few days.
- Receive Approval Notification: Once approved, you’ll receive a notification through email or SMS. It will contain your credit card details and further instructions.
- Activate Your Card: Follow the instructions in the approval notification to activate your Flipkart Axis Bank Credit Card. This usually involves calling a designated number.
- Start Using Your Card: After activation, your card is ready for use. You can make purchases and avail of the cashback benefits on Flipkart and partner merchants.
Checking Flipkart Axis Bank Credit Card Application Status
Follow these simple steps to Track the status of your Flipkart Axis Bank Credit Card application on Axis Bank site. also, you can read – How to Track Axis Credit Card Status – Check With Mobile Number.
- Visit the Website: Go to https://application.axisbank.co.in/cctracker/cctracker.aspx?cta=track-your-application-lic-cards-website.
- Enter Details: Input your application ID and date of birth into the designated fields.
- Submit Information: Click on the “Submit” or “Check Status” Track button.
- Real-time Updates: Receive real-time updates on the progress of your credit card application.
- Stay Informed: Stay informed about your approval status effortlessly.
- Convenient Tracking: Utilize this user-friendly platform for a hassle-free tracking experience.
- Anticipate Arrival: Keep track of your application to anticipate the arrival of your Flipkart Axis Bank Credit Card.
How to Activate
To activate your Flipkart Axis Bank credit card swiftly, you have multiple convenient options:
- Mobile App Activation:
- Log in to the Axis Bank mobile app.
- Navigate to “Banking” > “Services” > “Credit Card.”
- Opt for “Set/Reset PIN.”
- Input the OTP sent to your registered mobile number.
- Set a 4-digit PIN for your card.
- Net Banking Activation:
- Log in to your Axis Bank net banking account.
- Go to “Accounts” > “My Credit Cards” > “More Services” > “Credit Card PIN Change.”
- Confirm and enter your desired PIN along with the NETSECURE code sent to your mobile.
- ATM Activation:
- Insert your card at any Axis Bank ATM.
- Opt for “Set PIN” and choose “Generate OTP.”
- Enter card details and the received OTP.
- Set and confirm a new PIN.
- Customer Care Activation:
- Call Axis Bank customer care at 1860 419 5555 or 1860 500 5555.
- Choose “Credit Card PIN Generation” and provide details.
- Follow the prompts to generate an activation passcode.
- Call back with the passcode to set your PIN.
How to Log in
For seamless access to your Flipkart Axis Bank credit card details, two convenient options are available:
- Through Axis Bank:
- Net Banking: Log in to your Axis Bank net banking account. Navigate to “Accounts” > “My Credit Cards” for comprehensive management of your Flipkart Axis Bank credit card.
- Mobile App: Download and log in to the Axis Bank mobile app. Access your Flipkart Axis Bank card details and features under the “Credit Card” section.
- Flipkart Platform:
- Flipkart Website/App: While Flipkart allows limited credit card management, you can view essential details like credit limit and available balance within the “Flipkart Pay Later” section. Note that for transaction management, disputes, and PIN changes, Axis Bank platforms remain the primary avenue.
Customer Care Number
For assistance regarding your Flipkart Axis Bank credit card, choose the appropriate customer care option based on your query:
Flipkart Customer Care: For inquiries related to Flipkart Advanz services like loan products, EMI conversions, or Flipkart Pay Later, reach out to Flipkart customer care at 1800-208-9898. This toll-free number operates 24/7.
Axis Bank Customer Care: If your query pertains to the credit card itself, covering areas such as billing, statements, rewards, disputes, or technical issues, contact Axis Bank customer care using the following numbers:
- 1860 419 5555: A chargeable landline number available 24/7.
- 1860 500 5555: Another chargeable landline number accessible 24/7.
- 1800 103 5577: A toll-free number available on weekdays from 8:00 AM to 8:00 PM and on Saturdays from 9:00 AM to 5:00 PM.
How to increase Flipkart Axis Bank Credit card Limit
To enhance your Flipkart Axis Bank credit card limit, follow these steps:
Before initiating the process, ensure:
- Eligibility Check:
- Confirm that your card is at least 3 months old.
- Ensure no payment delays on your card.
- Verify no limit increase/decrease requests were made within the last 6 months.
- Document Preparation:
- If you don’t have a salary account with Axis Bank, gather the last 2 months’ salary slips.
Now, request a limit increase:
- Online or Mobile App:
- Log in to your Axis Bank net banking or mobile app.
- Navigate to “My Credit Cards” and select your Flipkart Axis Bank card.
- Locate the “Credit Limit Enhancement” option.
- If eligible, submit your request online.
- Await feedback, usually provided within a few days.
Additional Points
Feature | Details |
---|---|
Due Date | 5th of every month |
Statement Date | 15th of every month (previous month’s statement) |
EMI Interest Rate | 3.6% per month (52.86% per annum) |
bill cycle | billing cycle is usually 28–31 days long |
Lifetime free | Mostly in Flipkart Mega Sales |
EMI Conversion Charges | No charges |
Billing Date | 15th of every month (for transactions made in the previous month) |
Cashback Not Received | Contact Axis Bank customer care at 1860 419 5555 or 1860 500 5555 |
Video KYC Not showing | Contact Customer Care |
Age limit | Minimum 18 Maximum 65 |
Minimum Limit | ₹15,000 (general range, can vary based on creditworthiness) |
Terms and Conditions | Check PDF |
Card Delivery Time | 2 To 7 Working Days |
Reward points redeem | How to redeem rewards on Axis Bank credit card? |
Rent payment Charges | 1% capped at INR 1,500 per transaction on rental transactions |
Statement download | Login through Axis Mobile App And Download it |
Customer care Email ID | Read this – https://www.axisbank.com/contact-us |
FAQs: Flipkart Axis Bank Credit Card
Yes, pricemint.in allows you to check your eligibility for the Flipkart Axis Bank Credit Card.
Use the Axis Bank mobile app, net banking, ATM, or customer care.
Online: Log in to net banking, go to “Credit Cards,” and request cancellation.
Cashback is typically credited within the billing cycle after the eligible transaction.
Shop on Flipkart, add items, proceed to checkout, apply the voucher code, and get a Rs. 500 discount.
Online: Log in, go to “Credit Card,” select “Bill Payment,” and follow instructions.
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