Axis Bank · Entry
Flipkart Axis Bank
Where it ranks across all 187 cards
#2 Fashion
7.5%
at Myntra
direct
#7 Online shopping
5.0%
at Flipkart
direct
#7 Cabs & transit
4.0%
at Uber
direct
#12 Movies & events
4.0%
at BookMyShow
direct
#13 Food delivery
4.0%
at Swiggy
direct
#35 Gaming
1.0%
direct
#45 Train tickets
1.0%
direct
#49 Other
1.0%
direct
#53 Health & pharmacy
1.0%
direct
#56 Electronics
1.0%
direct
#64 Hotels
1.0%
direct
#66 Flights
1.0%
direct
#68 Groceries
1.0%
direct
#70 Dining out
1.0%
direct
28 Aug 2026
Lounge access ended 20 Jun 2025. From 28 Aug 2026: the markup when you pay abroad in rupees rises to 3.5%, late fees rise, and gift cards no longer earn.
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Reward rules4 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Flipkart Axis MITC - axisbank.com - read 20 Aug 2026
5% Flipkart + Cleartrip
5.00%this rule
5% cashback
source
Source: Flipkart Axis T&C - axisbank.com - read 20 Aug 2026
7.5% Myntra
7.50%this rule
7.5% cashback
source
Source: Flipkart Axis T&C - axisbank.com - read 20 Aug 2026
4% Swiggy/Uber/PVR
4.00%this rule
4% cashback
source
Source: Flipkart Axis T&C - axisbank.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on13 exclusions
Tolls and bridge fees
earns nothing
Bridge fees, road fees and tolls: no rewards (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Fuel
earns nothing
Fuel excluded from cashback (current category list).
→ use IndianOil RBL XTra here (7.5%)
detail & source
Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.
categories: Fuel
Source: Flipkart Axis T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Rent
earns nothing
Rental payments excluded.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: Flipkart Axis reward revision 5 Mar 2023 (axis.bank.in PDF) - campaign.axis.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Flipkart Axis T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance services excluded (Mar 2023 MCC list).
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6381, 5960, 6012, 6051
Source: Flipkart Axis reward revision 5 Mar 2023 (axis.bank.in PDF) - campaign.axis.bank.in - read 22 Aug 2026
Utility bills
earns nothing
Utility services excluded.
→ use FIRST Private here (6.6%)
detail & source
categories: Utility bills · MCCs: 4814, 4816, 4899, 4900
Source: Flipkart Axis reward revision 5 Mar 2023 (axis.bank.in PDF) - campaign.axis.bank.in - read 22 Aug 2026
Education
earns nothing
Educational services excluded.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8299, 8211, 8241, 8244, 8249
Source: Flipkart Axis reward revision 5 Mar 2023 (axis.bank.in PDF) - campaign.axis.bank.in - read 22 Aug 2026
Jewellery & watches
earns nothing
Gold in any form and jewellery excluded; gift cards on Flipkart/Myntra excluded too (category wording).
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: Flipkart Axis T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government services excluded (current category list).
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Flipkart Axis T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI, cash advances and repayments excluded; no cashback on transactions under ₹100.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Flipkart Axis T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Mobile / broadband
earns nothing
Utility & telecom grouped in the exclusion category list.
→ use FIRST Private here (6.6%)
detail & source
categories: Mobile / broadband
Source: Axis 28-Aug-2026 generic revision (campaign PDF) - campaign.axis.bank.in - read 22 Aug 2026
FASTag recharge
earns nothing
W.e.f. 28 Aug 2026: no rewards on bridge fees, road fees and tolls (portfolio-wide revision).
detail & source
Gift-card purchases also reclassified to an excluded Gift Card category.
merchants: FASTag recharge
Source: Axis 28-Aug-2026 generic revision (campaign PDF) - campaign.axis.bank.in - read 22 Aug 2026