As an avid online shopper, I am always on the lookout for ways to save money while making purchases. That's why I was intrigued when I came across the Flipkart Axis Bank Credit Card. Being a frequent shopper on Flipkart, I decided to do some research to determine if this credit card is worth it. In this comprehensive review, I will be discussing the pros and cons of the Flipkart Axis Bank Credit Card, its benefits and features, cashback and rewards program, fees and charges, eligibility and application process, as well as customer reviews and ratings.
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| Pros and Cons of Using the Flipkart Axis Bank Credit Card |
Introduction to Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card is a co-branded credit card offered by Axis Bank in partnership with Flipkart, one of India's largest e-commerce companies. This credit card is designed to offer a range of benefits and rewards to frequent shoppers on Flipkart.
The Flipkart Axis Bank Credit Card comes in two variants - Flipkart Axis Bank Credit Card and Flipkart Axis Bank Buzz Credit Card. The former is a regular credit card, while the latter is a co-branded credit card with Flipkart's Buzz rewards program.
Benefits and Features of Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card offers a range of benefits and features to its users. Some of the key benefits include:
Cashback and Rewards Program of Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card offers a cashback and rewards program to its users. Users can earn cashback and reward points on their purchases made on Flipkart and other partner merchants.
For instance, users can earn 4 reward points for every Rs. 200 spent on Flipkart using the Flipkart Axis Bank Credit Card. These reward points can be redeemed for a range of products and services on Flipkart and other partner merchants.
Fees and Charges of Flipkart Axis Bank Credit Card
While the Flipkart Axis Bank Credit Card offers a range of benefits and rewards, it also comes with certain fees and charges. Some of the key fees and charges include:
Above details as on July 17, 2023. To check lates update Click Here
Eligibility and Application Process for Flipkart Axis Bank Credit Card
To be eligible for the Flipkart Axis Bank Credit Card, users must meet certain eligibility criteria. Some of the key eligibility criteria include:
The application process for the Flipkart Axis Bank Credit Card is simple and can be done online. Users need to visit the Axis Bank website and fill in the application form with their personal and financial details. Once the application is approved, users will receive their credit card within a few days.
Document Required
The Flipkart Axis Bank Credit Card is a popular choice among online shoppers due to its exclusive benefits and rewards. However, like any credit card, it has both pros and cons. Let's take a closer look at them:
Pros of Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card offers a range of benefits and features that make it an attractive option for frequent shoppers on Flipkart. Some of the key pros of the Flipkart Axis Bank Credit Card include:
The Flipkart Axis Bank Credit Card offers attractive welcome benefits gift voucher worth Rs. 500 on your first transaction within 30 days of card issuance, 15% cashback up to Rs. 500 on your first transaction on Myntra and 50% instant discount up to Rs.100 on 1st Swiggy order and other partner websites.
Cardholders can enjoy exclusive 5% cashback on Flipkart, Myntra and you get 4% cashback from partner brands like cleartrip, cure.fit, PVR Cinema, Swiggy, TATA 1mg, Tata Sky and Uber. You get 1.5% cashback on other shopping. you can got unlimited cashback, Complimentary airpot lounge.
This credit card allows you to earn reward points on every purchase, both online and offline. These points can be redeemed for discounts, cashbacks, or vouchers on Flipkart and partner websites.
Cardholders can enjoy exclusive discounts and cashback offers on Flipkart, Myntra, and other partner websites. These discounts can help you save money and get better deals on your purchases.
The Flipkart Axis Bank Credit Card offers a 1% fuel surcharge waiver on fuel transactions made at select partner outlets. This feature can be beneficial for cardholders who frequently use their card for fuel purchases.
With this credit card, you can convert your high-value purchases into easy monthly installments at no additional cost. This feature allows you to buy expensive items without putting a strain on your budget.
Cardholders can convert their high-value purchases into easy monthly installments with flexible tenure options.
The card provides complimentary insurance coverage against lost card liability, personal accident, and fraudulent transactions.
Cons of Flipkart Axis Bank Credit Card
While the Flipkart Axis Bank Credit Card offers a range of benefits, it also comes with certain cons. Some of the key cons of the Flipkart Axis Bank Credit Card include:
For Rs.500 gift voucher eligibility you will have to make a transaction within 30 days of card issuance and it is used on next shooping in flipkart.
For Myntr 15% discount upto Rs.500 gift voucher eligibility you will have to make a transaction within 30 days of card issuance.
50% Instant discount up to Rs.100 on the minimum cart value of Rs 129 transactions done within 30 days of card issuance.
Customers can enjoy a fuel waiver of up to Rs. 500 per month on transactions made at fuel stations across India. This waiver is applicable on a minimum transaction amount of Rs. 400. The maximum waiver amount is subject to the total monthly spends on the credit card.
While the Flipkart Axis Bank Credit Card is widely accepted across most online platforms, it may not be accepted at all physical stores. This limited acceptance may cause inconvenience in certain situations. Complimentary airpot lounge with limited airpot and some company with lots of term & conditions.
If the outstanding balance is not paid in full within the due date, the credit card attracts high-interest rates. It is important to use the card responsibly and pay the bills on time to avoid accumulating debt as below.
| Late payment Charges | Due |
|---|---|
| Nill | upto Rs. 300 |
| Rs. 100 | upto Rs. 301 to rs. 500 |
| Rs. 500 | upto Rs. 501 to rs. 10,000 |
| Rs. 750 | upto Rs. 10,001 to rs. 25,000 |
| Rs. 1000 | upto Rs. 25,001 and above |
The rewards and benefits offered by the Flipkart Axis Bank Credit Card are primarily focused on online shopping. If you prefer shopping at physical stores or have diverse spending habits, the card's rewards may not be as valuable to you.
a flat 2.5% (Min. Rs. 500) of the cash amount of Rs. X for domestic cash withdrawals.
Flipkart Axis Bank credit card charges 2.5% on over limit are applicable when the cardholder exceeds their credit limit. For example, if your credit limit is Rs. 50,000 and the over limit terms allow you to spend up to Rs. 5,000 beyond your limit.
Comparison of Flipkart Axis Bank Credit Card with other credit cards
To determine if the Flipkart Axis Bank Credit Card is worth it, it is important to compare it with other credit cards in the market. While the Flipkart Axis Bank Credit Card offers a range of benefits and rewards, it is important to note that other credit cards may offer better rewards programs and lower fees and charges. Some of the key credit cards to compare with the Flipkart Axis Bank Credit Card include:
Conclusion – Is Flipkart Axis Bank Credit Card worth it?
After conducting extensive research and analysis, I can conclude that the Flipkart Axis Bank Credit Card is a good option for frequent shoppers on Flipkart. While it may come with certain fees and charges, its discounts and cashback offers make it an attractive option for those who shop frequently on Flipkart and other partner merchants. However, it is important to compare it with other credit cards in the market to determine if it is the best option for your specific needs.