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| Celebrate Diwali with up to 7.5% cashback, welcome benefits and first-year free offer on the Axis Flipkart Credit Card. |
Diwali shopping often means spending more on smartphones, fashion, home appliances and gifts. For shoppers planning to buy through Flipkart or Myntra, the Axis Flipkart Credit Card offers an opportunity to earn up to 7.5% cashback on eligible purchases, along with rewards on selected everyday services.
The card also comes with a first-year fee waiver under the displayed offer, making it particularly relevant for consumers looking to maximise savings during the festive shopping season. Here is a closer look at the cashback rates, welcome benefits, annual fee and conditions.
A festive shopping card for Flipkart and Myntra users
The Axis Flipkart Credit Card offers different cashback rates depending on where the customer spends.
The highest cashback is available on Myntra, where eligible cardholders can receive 7.5% cashback. Eligible purchases on Flipkart can earn 5% cashback.
For consumers who regularly shop across both platforms, these rewards could add meaningful savings during the Diwali shopping period, especially when purchasing products they already planned to buy.
However, cashback on Flipkart and Myntra is subject to a Rs 4,000 cashback cap per merchant per quarter. Customers planning larger festive purchases should keep this limit in mind.
Cashback benefits at a glance
| Spending Category | Cashback |
|---|---|
| Myntra | Up to 7.5% |
| Flipkart | 5% |
| Swiggy | 4% |
| PVR | 4% |
| Uber | 4% |
| Cult.fit | 4% |
| Other eligible spends | 1% |
Flipkart Health and Cleartrip transactions are excluded from the stated 5% Flipkart cashback benefit.
More than just shopping cashback
The card's benefits are not limited to Flipkart and Myntra.
Eligible transactions with Swiggy, PVR, Uber and Cult.fit can earn 4% cashback. This covers several common spending categories, including food delivery, entertainment, travel and fitness.
Other eligible transactions can earn 1% cashback.
For cardholders who use one credit card for multiple everyday expenses, this wider cashback structure could provide value beyond festive shopping alone.
First year free under the current offer
One of the more attractive features for new applicants is the first-year fee waiver.
According to the displayed offer terms, customers do not have to pay a joining fee or annual fee for the first year until September 30, 2026.
From the second year, the card carries an annual fee of Rs 500 plus GST.
There is also a spending-based fee waiver. Customers who spend Rs 3,50,000 or more during the previous year may qualify for a waiver of the annual fee.
This means the card could be more valuable for frequent shoppers and regular credit card users who can comfortably meet the spending requirement through their normal expenses.
Diwali shoppers should look beyond the cashback percentage
A 7.5% cashback offer can sound attractive, particularly during the festive season when consumers often make larger purchases.
But the best way to use a cashback card is not to spend more simply to earn rewards.
Instead, consumers should compare the cashback benefits with their existing shopping habits. Someone who already purchases frequently from Myntra, Flipkart and other eligible merchants may receive more value from the card than someone who rarely uses these services.
The quarterly cashback cap should also be considered before making high-value purchases.
Credit card users should additionally check the latest terms and conditions before applying or making a purchase, as eligibility, merchant categories and promotional offers may have specific requirements.
Welcome benefits worth Rs 350
New customers can also receive welcome benefits worth up to Rs 350, according to the offer details.
These include:
- Rs 250 Flipkart gift voucher
- Rs 100 instant discount on Swiggy for eligible new Swiggy users
The actual value of these benefits depends on whether the customer uses the relevant platforms and meets the applicable offer conditions.
For someone planning Diwali shopping on Flipkart, the gift voucher could provide an additional benefit alongside regular cashback.
Fuel surcharge waiver is another feature
The Axis Flipkart Credit Card also includes a 1% fuel surcharge waiver on eligible transactions.
The waiver applies to fuel purchases between Rs 400 and Rs 4,000, subject to a maximum waiver of Rs 400.
This benefit may be useful for consumers who regularly use their credit card for eligible fuel payments. However, users should remember that a surcharge waiver is different from cashback.
Who could benefit the most this Diwali?
The card may be particularly suitable for:
- Regular Flipkart shoppers
- Frequent Myntra customers
- Consumers who use Swiggy, Uber or PVR
- People planning major festive purchases
- Cardholders looking for a cashback-focused credit card
- Users who can potentially meet the annual spending requirement for a fee waiver
The first-year fee waiver also reduces the upfront cost for eligible new customers.
The bigger picture for festive shoppers
Diwali sales often bring discounts across smartphones, electronics, fashion, appliances and other popular categories. When a credit card offers cashback on top of regular discounts, the potential savings can become more attractive.
Still, consumers should separate a genuine saving from unnecessary spending.
A credit card is most useful when its rewards match purchases that were already planned. For regular Flipkart and Myntra users, the Axis Flipkart Credit Card's cashback structure could make it a useful addition during the festive shopping season and beyond.
Before applying, customers should review the latest card terms, fees, cashback caps and eligibility requirements to understand exactly how the benefits apply to their spending.
Frequently Asked Questions
How much cashback does the Axis Flipkart Credit Card offer on Myntra?
Eligible Myntra purchases can earn up to 7.5% cashback, subject to the applicable cashback cap and terms.
Does the card offer cashback on Flipkart during Diwali shopping?
Eligible Flipkart transactions can receive 5% cashback, excluding specified categories such as Flipkart Health and Cleartrip.
Is the Axis Flipkart Credit Card free for the first year?
According to the displayed offer, there is no joining fee and the first year is free until September 30, 2026.
What is the annual fee from the second year?
The annual fee is Rs 500 plus GST from the second year onwards, subject to applicable waiver conditions.
How can the annual fee be waived?
The annual fee may be waived if the cardholder spends Rs 3,50,000 or more during the previous year, according to the offer terms.
Which apps and services offer 4% cashback?
Eligible transactions with Swiggy, PVR, Uber and Cult.fit can earn 4% cashback.
Is there a cashback limit on Flipkart and Myntra?
Yes. Cashback on Flipkart and Myntra is subject to a maximum cap of Rs 4,000 per merchant per quarter.
Is the Axis Flipkart Credit Card good for Diwali shopping?
It may be useful for consumers who already plan to shop on Flipkart or Myntra and can take advantage of the eligible cashback categories. The actual value depends on spending patterns, cashback limits and applicable card terms.
Diwali shopping par extra savings ka mauka! Get up to 7.5% cashback on eligible purchases with the Axis Flipkart Credit Card.
Don’t miss the festive benefits—check your eligibility and apply today!
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