Looking for a credit card that rewards your online shopping? The Flipkart Axis Bank Credit Card offers up to 5% unlimited cashback on Flipkart and Myntra purchases, plus 4% cashback on popular platforms like Swiggy, Uber, and PVR. Whether you prefer applying online from home or visiting a bank branch, this guide walks you through both methods step by step.
The card comes with a joining fee of โน500 and offers welcome benefits worth over โน500 on your first transaction. Let’s explore how you can apply for this cashback-focused credit card in the simplest way possible.
What You Need Before Applying
Before starting your application, make sure you meet the basic requirements and have all necessary documents ready.
Age and Residency Requirements:
- Primary cardholder: 18 to 70 years old
- Must be a Resident Indian or Non-Resident Indian (NRI)
Documents Required:
- PAN card copy or Form 60
- Identity proof (Aadhaar card, passport, driving license, or PAN card)
- Address proof (passport, ration card, electricity bill, or telephone bill)
- Recent color photograph
- Income proof (latest salary slips, Form 16, or Income Tax Returns)
- Bank statements from last 3-6 months
Keep scanned or photocopies of these documents ready before you begin.
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How to Apply for Flipkart Axis Bank Credit Card Online
The online application process is quick and can be completed from your home in just a few minutes.
Step 1: Visit the Official Website
Go to the Axis Bank official website or Flipkart website to start your application. You can also apply through the Flipkart mobile app.
Step 2: Check if You’re an Existing Customer
The application will first ask whether you’re already an Axis Bank customer. Select ‘Yes’ if you have any type of account with Axis Bank, or ‘No’ if you’re a new customer.
- For Existing Customers: You’ll only need to provide your registered mobile number and date of birth. The process is much faster since the bank already has your information.
- For New Customers: You’ll need to fill out a detailed application form with personal, employment, and income details.
Step 3: Fill Out the Application Form
Enter accurate information including:
- Full name and contact details
- PAN card number
- Employment details (company name, work experience, monthly income)
- Residential address
- Annual income
Double-check all information before submitting to avoid delays or rejections.
Step 4: Check Your Eligibility
After submitting basic details, the system will show which Axis Bank credit cards you’re eligible for. Select the Flipkart Axis Bank Credit Card from the available options.
Step 5: Verify with OTP
Enter the One-Time Password (OTP) sent to your registered mobile number to verify your application.
Step 6: Complete Video KYC
After OTP verification, you’ll receive an SMS with a video KYC link. Video KYC is a quick online verification process where you’ll show your documents and complete identity verification through a video call.
The video KYC usually takes 5-10 minutes and can be done at your convenience. Make sure you’re in a well-lit area with a stable internet connection.
Step 7: Wait for Approval
Once your video KYC is complete, the bank will review your application. Existing customers with good credit history may receive instant approval, while new applicants typically receive a decision within 14-21 working days.
You can track your application status on the Axis Bank website using your PAN number and registered mobile number.
Step 8: Receive Your Card
After approval, your Flipkart Axis Bank Credit Card will be delivered to your registered address within 7-14 days. You’ll receive SMS updates about dispatch and delivery status.
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How to Apply for Flipkart Axis Bank Credit Card Offline
If you prefer face-to-face interaction or need assistance with the application, you can apply offline through these methods.
Method 1: Visit an Axis Bank Branch
Walk into your nearest Axis Bank branch and request a Flipkart Axis Bank Credit Card application form. Bank staff will guide you through the entire process.
What to Bring:
- All original documents mentioned earlier
- Photocopies of these documents
- Duly filled application form
The bank representative will verify your documents on the spot and submit your application. You may also complete your KYC verification at the branch itself, which can speed up the approval process.
Method 2: Contact Customer Care
Call Axis Bank customer care and request a credit card application. The executive will either guide you through the online process or arrange for a bank representative to visit your location for document collection.
Method 3: Request Through a Bank Representative
Axis Bank representatives often visit residential and commercial areas for credit card promotions. You can request an application through them, and they’ll assist with documentation and submission.
Key Features and Benefits
Understanding what you get with this card helps you make an informed decision.
Cashback Rewards:
- 5% unlimited cashback on Flipkart and Myntra (on minimum spends of โน50,000 in previous 3 months)
- 4% unlimited cashback on Swiggy, Uber, PVR, and other partner merchants
- 1.5% cashback on all other purchases
Welcome Benefits:
- โน500 Flipkart voucher on first transaction within 30 days
- Additional activation benefits from partner merchants
Fees and Charges:
- Joining fee: โน500 (plus GST)
- Annual fee: โน500 from second year onwards (waived on annual spends above โน2,00,000)
Interest Rate:
- 49.36% to 55.55% per annum on outstanding balances
- Cash withdrawal charges: 2.5% (minimum โน500)
Important Points to Remember
Keep these tips in mind for a smooth application experience.
- Credit Score Matters: Your credit score significantly impacts approval chances. A score above 750 increases your likelihood of instant approval.
- Accurate Information: Always provide accurate information in your application. Incorrect details can lead to rejection or delays.
- Video KYC Readiness: Keep your original documents handy during video KYC. The process is mandatory and cannot be skipped.
- Cashback Exclusions: Cashback is not available on fuel purchases, gift card purchases, EMI transactions, wallet reloads, gold purchases, and government payments.
- Application Tracking: Save your application number to track status online. You can check progress anytime on the Axis Bank website.
What Happens After Approval
Once your application is approved, follow these steps to activate and start using your card. Your credit card will arrive at your registered address with an activation kit. Call the number provided or use the Axis Bank mobile app to activate your card. Set your PIN through ATM or phone banking.
Make your first transaction within 30 days to claim your welcome benefit of โน500 Flipkart voucher. Cashback earned will be credited to your card account in the next billing cycle, 3 days before statement generation.
Frequently Asked Questions
How long does approval take?
Existing Axis Bank customers with good credit may get instant approval. New customers typically receive a decision within 14-21 working days after document verification.
Can I apply without a salary account?
Yes, you don’t need an Axis Bank salary account to apply. However, having an existing relationship with the bank can speed up approval.
Is the annual fee refundable?
The annual fee of โน500 is waived if your annual spends exceed โน2,00,000. Rent and wallet load transactions don’t count toward this waiver.
Can I track my application status?
Yes, visit the Axis Bank credit card tracker page and enter your PAN number and registered mobile number to check your application status.
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Conclusion
Applying for the Flipkart Axis Bank Credit Card is straightforward whether you choose online or offline methods. The online process through video KYC is faster for most applicants, while the offline branch visit provides personal assistance. Make sure you have all required documents ready and maintain a good credit score for better approval chances. For specific queries about your application, contact Axis Bank customer support or visit their official website.
Disclaimer: The information provided in this article is for educational purposes only. Credit card eligibility, features, fees, and terms are subject to change. Please visit the official Axis Bank website or contact their customer service for the most current and accurate information. Taking credit involves risks including high interest rates and potential debt. Consult with a certified financial advisor before applying for any credit product.
