Axis Bank Flipkart Super Elite Credit Card

The Axis Bank Flipkart Super Elite Credit Card is the ultimate choice for frequent online shoppers who want to maximise savings on e-commerce purchases whilst enjoying premium travel and lifestyle benefits. This co-branded masterpiece combines Flipkart's dominant e-commerce ecosystem with Axis Bank's banking excellence to deliver India's most rewarding shopping credit card. 

Designed for digitally-savvy consumers who make regular purchases on Flipkart and partner platforms, this card transforms everyday spending into substantial cashback rewards. Whether you're shopping for electronics during Big Billion Days, booking flights on Cleartrip, enjoying movies at PVR, or making international purchases, the Super Elite ensures every transaction delivers exceptional value. The completely unlimited cashback structure with no caps or restrictions makes this card particularly attractive for high-spending households looking to optimise their online shopping rewards. 

With industry-leading benefits like 0% forex markup, premium lounge access, and automatic cashback crediting, this card serves as both a powerful shopping tool and a comprehensive lifestyle companion for modern Indian consumers. 

Overview 

Flipkart Ecosystem Integration: The card is co-branded with Flipkart, India's largest homegrown e-commerce marketplace with over 450 million registered users and 150 million products across 80+ categories. As a Super Elite cardholder, you gain privileged access to the entire Flipkart ecosystem including Flipkart.com, Myntra (fashion), and the extensive 2X partner network, ensuring comprehensive coverage of your shopping, travel, and lifestyle needs. 

Unlimited Cashback Philosophy: Unlike traditional reward point systems or capped cashback structures, this card offers truly unlimited 5% cashback on Flipkart and Myntra purchases with absolutely no annual or monthly earning restrictions. There are no complicated tier systems, no quarterly caps, and no thresholds to meet—simply earn 5% back on every eligible Flipkart transaction, whether you spend ₹10,000 or ₹10,00,000 annually. 

2X Partner Advantage: The card extends premium 4% cashback (2X the standard 2% rate) across carefully curated lifestyle partners including Cleartrip (flights, hotels, holiday packages), PVR Cinemas (movie tickets, F&B), Curefit (fitness memberships, wellness), and Café Coffee Day (dining, beverages). This network covers essential lifestyle categories beyond e-commerce, making the card valuable for holistic spending. 

Zero Forex Markup Leader: In an industry-first move for a co-branded shopping card, the Super Elite offers completely free international transactions with 0% foreign currency markup. Whether you're shopping on Amazon.com, booking Airbnb overseas, or swiping at a restaurant in Paris, you pay the exact Mastercard exchange rate with zero markup—a benefit typically reserved for ultra-premium travel cards costing ₹10,000+ annually. 

Automatic Cashback System: All earned cashback is automatically credited to your credit card statement within 90 days of earning, appearing as a statement credit that reduces your outstanding balance. There's no manual redemption, no separate cashback account, no minimum threshold, and no complicated conversion process—what you earn automatically reduces what you owe. 

Comprehensive Lounge Programme: Access 8 complimentary domestic airport lounge visits annually at major airports including Delhi, Mumbai, Bangalore, Hyderabad, Chennai, Kolkata, and more. Spend ₹15,000 in a calendar quarter to unlock 2 additional visits for the following quarter, potentially enjoying up to 16 complimentary visits annually for frequent travellers who meet the quarterly threshold. 

Premium Mastercard World Status: As a Mastercard World product, the card unlocks global privileges including LoungeKey membership for international airport lounges (visit charges apply), 24/7 travel and lifestyle concierge services, golf privileges at participating courses, exclusive dining experiences through Mastercard India Dining Programme, and special offers at luxury hotels worldwide. 

Flipkart Sale Privileges: Gain early access to Flipkart's marquee shopping events including Big Billion Days, Fashion Sale, End of Season Sale, and more. Enjoy exclusive pre-sale windows, additional discounts on top brands, priority customer service during high-traffic periods, and special card-exclusive deals across categories like electronics, fashion, appliances, and home décor. 

Family Coverage Strategy: Issue up to 3 complimentary add-on cards for family members, enabling them to earn cashback on their spends that accrues directly to your primary account. This family-centric approach accelerates rewards accumulation and helps you reach the ₹1,50,000 annual spend threshold for fee waiver more easily. 

Fuel Savings Benefit: Save 1% on all fuel transactions between ₹400 and ₹4,000 at any petrol pump in India, with a monthly cap of ₹400. Whilst this isn't the primary card benefit, it provides valuable savings on essential fuel expenses—potentially saving ₹4,800 annually for regular commuters. 

Digital-First Experience: The card integrates seamlessly with Axis Mobile app for instant card activation, real-time transaction alerts, spend tracking, statement downloads, payment scheduling, card lock/unlock functionality, and customer service. The entirely paperless application process through Flipkart ensures rapid approval and delivery within 7-10 working days. 

Flexible Fee Structure: With a reasonable ₹3,000 + GST (approximately ₹3,540) annual fee that's completely waived on spending ₹1,50,000 or more in the previous year, the card offers accessible premium benefits. Even for users who don't meet the waiver threshold, the fee is justified by the unlimited cashback structure—spending just ₹70,800 on Flipkart annually covers the fee through 5% cashback. 

Welcome Reward Simplicity: New cardholders receive a straightforward ₹500 Flipkart Gift Card upon making their first transaction of ₹500 or more within 30 days of card activation. This welcome benefit is credited within 7 days of the qualifying transaction, providing immediate gratification and encouraging early card usage. 

Merchant Category Flexibility: The 1.5% cashback on "all other spends" applies broadly across retail categories including grocery stores, department stores, online merchants, utility payments, insurance premiums, and more. Only specific exclusions like fuel (which has its own benefit), education fees, government payments, and cash transactions are ineligible for cashback. 

Security and Control: Advanced security features include EMV chip technology, secure 3-digit CVV, SMS/email transaction alerts, ability to instantly lock/unlock card through mobile app, set daily transaction limits, block international usage when not travelling, and comprehensive fraud protection with zero liability on unauthorised transactions reported within stipulated timeframes. 

This card represents the perfect convergence of e-commerce dominance and banking excellence, offering unparalleled value for India's growing community of online shoppers whilst maintaining the financial flexibility and premium benefits expected from a lifestyle credit card. 

 Rewards and Benefits 

Earning Cashback 

Flipkart & Myntra Purchases 

• 5% unlimited cashback on all Flipkart and Myntra purchases 

• No monthly or annual earning cap 

• No minimum or maximum transaction limits 

• Applies to all product categories including electronics, fashion, home appliances, books, groceries, and more 

• Cashback earned on both desktop and mobile app transactions 

• Valid on EMI transactions as well (cashback calculated on total transaction value) 

2X Partner Network 

• 4% cashback (2X the standard rate) on purchases from Flipkart 2X partners:  

• Cleartrip: Flight tickets, hotel bookings, holiday packages 

• PVR Cinemas: Movie tickets, food and beverage 

• Curefit: Fitness memberships, wellness services, workout sessions 

• Café Coffee Day: Dining, beverages, food orders 

• Partner network may expand over time—check Flipkart Super Elite portal for updates 

All Other Retail Spends 

• 1.5% cashback on all other eligible retail transactions 

• Includes:  

• Other online shopping platforms (Amazon, PayTM Mall, etc.) 

• Department stores and supermarkets 

• Dining at non-partner restaurants 

• Utility bill payments (electricity, water, gas, mobile recharge) 

• Insurance premium payments 

• Entertainment and lifestyle spends 

• Offline retail purchases at any merchant accepting Mastercard 

Excluded Categories (0% Cashback) 

• Fuel transactions at petrol pumps (separate 1% fuel surcharge waiver applies) 

• Education fee payments to schools, colleges, universities 

• Government-related payments (taxes, municipal fees, etc.) 

• Cash withdrawals from ATMs 

• Wallet loading transactions (Paytm, PhonePe, etc.) 

• Rent payments through certain platforms 

• EMI conversion fees and processing charges 

Cashback Crediting Process 

• All cashback automatically credited to your credit card statement within 90 days of earning 

• Appears as statement credit that reduces your outstanding balance 

• No manual redemption required—completely automatic 

• No minimum threshold for cashback credit 

• No separate cashback account or tracking needed 

• Cashback earned in a month typically appears 2-3 billing cycles later 

Example Cashback Calculation: 

• Flipkart purchases: ₹50,000 × 5% = ₹2,500 

• Cleartrip booking: ₹20,000 × 4% = ₹800 

• Other retail spends: ₹30,000 × 1.5% = ₹450 

• Total monthly cashback: ₹3,750 

Welcome Benefits 

₹500 Flipkart Gift Card 

• Receive ₹500 Flipkart Gift Card as welcome bonus 

• Eligibility: Make your first transaction of ₹500 or more within 30 days of card activation 

• Gift card credited within 7 working days of qualifying transaction 

• Valid for 12 months from date of issuance 

• Can be used across all product categories on Flipkart 

• Combinable with other Flipkart offers and discounts 

• No minimum purchase requirement when redeeming gift card 

How to Redeem Welcome Gift Card: 

1. Gift card will be sent to your registered email address 

2. Add products to cart on Flipkart 

3. Proceed to checkout and select 'Gift Card' payment option 

4. Enter your gift card number and PIN 

5. Complete purchase—gift card value will be applied 

Annual Fee Waiver Benefit 

Fee Waiver Structure 

• Joining Fee: ₹3,000 + GST (approximately ₹3,540)—one-time charge, not waivable 

• Annual Renewal Fee: ₹3,000 + GST (approximately ₹3,540) 

• Waiver Condition: Spend ₹1,50,000 or more in the previous membership year to get renewal fee completely waived 

How the Waiver Works: 

• Spends from anniversary date to next anniversary date are calculated 

• If total eligible spends ≥ ₹1,50,000, next year's renewal fee is waived 

• Automatic calculation—no need to apply for waiver 

• All card spends (primary + add-on) count towards threshold 

• Both retail and online transactions included 

Example: 

• Card issued: 1st April 2025 

• First renewal due: 1st April 2026 

• Spends from 1st April 2025 to 31st March 2026: ₹1,60,000 

• Renewal fee for April 2026: Waived (₹0) 

Lounge Access Benefits 

Domestic Airport Lounges 

Base Benefit: 

• 8 complimentary domestic airport lounge visits per membership year 

• Available at major airports including:  

• Delhi (DEL) - Indira Gandhi International Airport 

• Mumbai (BOM) - Chhatrapati Shivaji Maharaj International Airport 

• Bangalore (BLR) - Kempegowda International Airport 

• Hyderabad (HYD) - Rajiv Gandhi International Airport 

• Chennai (MAA) - Chennai International Airport 

• Kolkata (CCU) - Netaji Subhas Chandra Bose International Airport 

• Pune, Ahmedabad, Goa, Kochi, and 20+ other Indian airports 

• Access available across multiple lounge networks 

Quarterly Bonus Visits: 

• Spend ₹15,000 or more in a calendar quarter 

• Unlock 2 additional complimentary visits for the following quarter 

• Maximum potential: 16 total visits annually (8 base + 8 quarterly bonus if threshold met every quarter) 

How to Access: 

• Present your Axis Bank Flipkart Super Elite Credit Card and boarding pass at lounge reception 

• Lounge staff will verify your card and flight details 

• Temporary authorization of ₹2 may be charged and reversed automatically 

• Complimentary visits deducted from your annual/quarterly quota 

Lounge Facilities: 

• Comfortable seating and quiet environment 

• Complimentary food and beverages 

• High-speed Wi-Fi connectivity 

• Business centre with workstations 

• Charging stations for devices 

• Newspapers, magazines, and television 

• Clean washrooms and shower facilities (select lounges) 

Important Notes: 

• Lounge access is for primary cardholder only 

• Add-on cardholders not eligible for complimentary access 

• Visits beyond complimentary quota charged at lounge rates (typically ₹600-₹1,200 per visit) 

• Based on domestic flight bookings only 

International Benefits 

0% Forex Markup 

The Axis Bank Flipkart Super Elite Credit Card offers industry-leading zero foreign currency markup on all international transactions—completely free foreign exchange with no additional charges. 

How It Works: 

• Standard credit cards charge 3.5% forex markup on international spends 

• This card charges 0% markup—you pay only the Mastercard exchange rate 

• Applies to all foreign currency transactions:  

• International shopping websites (Amazon.com, eBay, AliExpress, ASOS, etc.) 

• Overseas hotel bookings (Booking.com, Expedia, Hotels.com) 

• International airline tickets 

• Subscription services (Netflix, Spotify, Apple, Adobe in foreign currency) 

• Point-of-sale transactions whilst travelling abroad 

• Restaurant, shopping, and entertainment spends during international trips 

Savings Example: 

• International spends: ₹1,00,000 annually 

• Standard card forex markup (3.5%): ₹3,500 

• Your savings with 0% markup: ₹3,500 annually 

Additional International Benefits: 

• Earn 1.5% cashback on all international spends (on top of 0% markup benefit) 

• Enhanced security for overseas transactions 

• Real-time SMS alerts for foreign currency spends 

• Ability to lock/unlock international usage via mobile app 

• Comprehensive fraud protection 

LoungeKey International Access: 

• As a Mastercard World product, receive LoungeKey membership 

• Access to international airport lounges worldwide (visit charges apply) 

• Discounted lounge access rates for Mastercard World cardholders 

• Over 1,000 lounges across 500+ airports globally 

Fuel Benefits 

1% Fuel Surcharge Waiver 

• Save 1% on all fuel transactions at petrol pumps across India 

• Applicable on transactions between ₹400 and ₹4,000 

• Monthly cap: Maximum ₹400 fuel surcharge waiver per month 

• Annual savings potential: Up to ₹4,800 per year 

How It Works: 

• Fuel surcharge (typically 2.5%) temporarily charged during transaction 

• 1% waived automatically within 2-3 billing cycles 

• Remaining 1.5% surcharge applies as per merchant policies 

• GST on fuel surcharge is non-refundable 

Coverage: 

• All petrol pumps across India accepting Mastercard 

• Includes both national chains (IOCL, BPCL, HPCL, Shell, Reliance) and independent stations 

• Applicable on petrol and diesel purchases 

Important Note: 

• Fuel transactions earn 0% cashback (excluded category) 

• This card is not optimal for maximising fuel rewards 

• Use primarily for fuel convenience, not as a fuel-focused card 

Dining Benefits 

Mastercard India Dining Programme 

• Access to exclusive dining experiences at premium restaurants across India 

• Special discounts and offers at partner establishments 

• Advance table reservations at select fine-dining restaurants 

• Complimentary beverages or desserts at participating restaurants 

• Chef's table experiences and tasting menus 

• Priority seating during peak hours 

Café Coffee Day Benefits 

• Earn 4% cashback (2X rate) at Café Coffee Day outlets nationwide 

• Applicable on food, beverages, and merchandise 

• Valid at all CCD locations across India 

• Combinable with ongoing CCD promotions 

Entertainment Benefits 

PVR Cinemas Partnership 

• Earn 4% cashback (2X rate) on PVR movie tickets and F&B 

• Applicable on:  

• Movie tickets (all formats: 2D, 3D, IMAX, 4DX) 

• Food and beverage at PVR outlets 

• Advance bookings and combo offers 

• Valid at all PVR cinemas across India 

• Book through PVR website, mobile app, or counter 

Additional Entertainment Value: 

• 1.5% cashback on other cinema chains and entertainment platforms 

• BookMyShow, Paytm Movies, and other ticketing platforms eligible 

• Streaming service subscriptions earn 1.5% cashback 

Lifestyle & Wellness Benefits 

Curefit Partnership 

• Earn 4% cashback (2X rate) on Curefit services 

• Applicable on:  

• Cultfit gym memberships 

• Cult.sport fitness equipment 

• Cultpass subscriptions 

• Wellness programmes and packages 

• Yoga and meditation classes 

• Personal training sessions 

Mastercard World Privileges 

• 24/7 global concierge services:  

• Travel planning and bookings 

• Dining reservations 

• Event tickets and entertainment 

• Gift delivery services 

• Emergency assistance 

• Golf privileges at select courses 

• Exclusive access to Mastercard events 

• Special offers at luxury hotels and resorts worldwide 

Travel Benefits 

Cleartrip Partnership 

• Earn 4% cashback (2X rate) on all Cleartrip bookings 

• Applicable on:  

• Domestic and international flight tickets 

• Hotel reservations in India and abroad 

• Holiday packages and tour bookings 

• Rail tickets (select routes) 

• No blackout dates or booking restrictions 

• Combine with Cleartrip's own offers and discounts 

Additional Travel Advantages: 

• 1.5% cashback on other travel platforms (MakeMyTrip, Yatra, Goibibo, etc.) 

• 0% forex markup on international bookings 

• Complimentary travel insurance (terms apply) 

• Lost baggage assistance 

• Emergency card replacement during overseas travel  

Add-on Card Benefits 

Complimentary Family Cards 

• Issue up to 3 add-on cards completely free 

• No annual fee for add-on cards 

• Available for:  

• Spouse 

• Parents 

• Children (18+ years) 

• Siblings 

Add-on Card Features: 

• Earn cashback on same rates as primary card:  

• 5% on Flipkart & Myntra 

• 4% on 2X partners 

• 1.5% on other spends 

• All cashback accrues to primary cardholder's account 

• Separate spending limits can be set for each add-on card 

• Individual transaction alerts for each card 

• Helps reach ₹1,50,000 annual spend threshold faster for fee waiver 

Control & Monitoring: 

• Track add-on card spends through Axis Mobile app 

• Set individual transaction limits 

• Enable/disable cards instantly 

• Real-time notifications for all transactions 

• Consolidated monthly statement 

Insurance Coverage 

Personal Accident Cover 

• Cover amount varies by cardholder profile (typically up to ₹2 lakh) 

• Applicable during air travel 

• Covers accidents whilst boarding, traveling, or alighting from aircraft 

• Primary cardholder only (add-on cardholders not covered) 

Lost Card Liability Protection 

• Zero liability on unauthorised transactions reported within stipulated timeframe 

• Card blocking available 24/7 via:  

• Axis Mobile app 

• Customer care: 1860 419 5555 or 1860 500 5555 

• SMS BLOCK to 5676782 

• Emergency card replacement available domestically and internationally 

Purchase Protection 

• Coverage on select high-value purchases (terms apply) 

• Protection against theft or damage 

• Valid for limited period from purchase date 

• Claim process through Axis Bank insurance desk 

Interest-Free Credit Period 

Grace Period 

• Enjoy up to 50 days interest-free period on purchases 

• Applicable when full outstanding amount paid by due date 

• Period calculated from transaction date to payment due date 

• Does not apply to cash advances, EMI conversions, or revolving credit 

How to Maximise: 

• Make purchases right after statement generation 

• Pay full outstanding amount before due date 

• Enjoy maximum float period of nearly 50 days 

• Schedule autopay for full payment to never miss due date 

EMI Conversion Facility 

Instant EMI on Flipkart 

• Convert purchases into easy monthly instalments directly at checkout 

• Available on purchases above ₹2,500 

• Tenure options: 3, 6, 9, 12, 18, 24 months 

• Competitive interest rates 

• No additional documentation required 

• Instant approval during checkout 

Post-Purchase EMI Conversion 

• Convert any retail purchase above ₹2,500 into EMI 

• Request via:  

• Axis Mobile app 

• Internet banking 

• Customer care call 

• Flexible tenure selection 

• Processing fee may apply 

Benefits: 

• Manage large purchases with affordable monthly payments 

• Cashback still earned on full transaction value 

• Pre-closure option available 

• No foreclosure charges on select tenures