The verdict
Regular Flipkart aur Myntra shoppers jo SuperCoins ko checkout discounts aur OTT plans ke liye use karte hain unke liye super profitable card. 12% SuperCoin yield aur 500 welcome coins ₹500 fee ko instantly compensate kar dete hain.
Flipkart pe monthly ₹12,000 spend (multiple orders mein) karne pe monthly ~1,440 SuperCoins (saal ka ₹17,280 value) + 500 welcome SuperCoins milakar ₹500 annual fee ke against ₹17,700+ net value deliver hoti hai (35.4× ROI).
Har single transaction pe 150 SuperCoins ka strict cap hai, isliye ₹1,250–₹2,500 se upar ki single large electronic purchase pe return dilute ho jata hai.
✓What works
- +Flipkart Plus members ke liye Flipkart pe 12 SuperCoins per ₹100 (12% return).
- +Non-Plus members ke liye Flipkart pe 6 SuperCoins per ₹100 (6% return).
- +Card activation ke pehle 30 days mein 500 SuperCoins welcome gift.
- +All other retail transactions pe 2 SuperCoins per ₹100 (2% valueback).
- +YouTube Premium aur Gaana Plus trial subscriptions welcome bundle mein included.
- +RuPay network pe available with full UPI QR merchant scan support.
✕What doesn't
- −SuperCoins earnings per single transaction 150 SuperCoins pe strictly capped hain.
- −Koi domestic airport lounge access nahi milta.
- −SuperCoins credit date se 12 months baad expire ho jate hain.
What it earns
1 SuperCoin = ₹1.00 when used on Flipkart app checkout, brand vouchers, ya OTT subscriptions.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Flipkart Spends (Plus Members) | 12% (12 SC / ₹100) | 150 SC / transaction | 12,000 SC (Subject to 150 SC/txn) |
| Flipkart Spends (Non-Plus Members) | 6% (6 SC / ₹100) | 150 SC / transaction | 6,000 SC (Subject to 150 SC/txn) |
| All Other Non-Flipkart Retail Spends | 2% (2 SC / ₹100) | Uncapped | 2,000 SC (₹2,000 value) |
| Fuel, Rent & Utilities | 0% | Excluded | 0 SC |
Accelerated earn
Up to 12 SuperCoins per ₹100 on Flipkart
Flipkart pe fashion, electronics, aur routine orders pe maximum SuperCoins earn karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Flipkart (Plus)12 SuperCoins per ₹100 spent. | 12 SC · 12% | 150 SC / txn | — |
| Flipkart (Non-Plus)6 SuperCoins per ₹100 spent. | 6 SC · 6% | 150 SC / txn | — |
| Other Retail Spends2 SuperCoins per ₹100 spent. | 2 SC · 2% | Uncapped | — |
Redemption options
Flipkart app mein direct checkout discount, OTT plans, ya brand vouchers ke liye 1 SC = ₹1 pe redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Flipkart Order DiscountsBEST VALUE | ₹1.00 / SuperCoin | 1 SC | None | Nil |
| Brand Vouchers & SubscriptionsBEST VALUE | ₹1.00 / SuperCoin | 50 SC | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Flipkart, Myntra aur Cleartrip bookings.
- +General domestic retail online aur offline shopping.
- +500 welcome SuperCoins on first activation swipe.
✕Excluded Spends & Fee Traps
- −Single transactions exceeding 150 SuperCoin earning cap.
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹4,000).
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST (500 SuperCoins welcome gift) |
| Annual Renewal Fee | ₹500 + GST (Waived at ₹2,00,000 spend) |
| Forex Markup | 3.5% + 1.5% DCC |
| Finance Charges | 3.75% / month (55.55% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.5 Lakhs per annum |
Frequently Asked Questions
Kya Flipkart Axis Bank Super Elite Credit Card par airport lounge access milta hai?
Flipkart Axis Bank Super Elite Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Flipkart Axis Bank Super Elite Credit Card par reward rate aur points ki real rupee value kya hai?
Flipkart Axis Bank Super Elite Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Flipkart Axis Bank Super Elite Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: Flipkart Axis Bank Super Elite Credit Card
Flipkart Axis Bank Super Elite Credit Card ek co-branded retail rewards credit card hai jo Flipkart ke collaboration mein develop kiya gaya hai specifically Flipkart Plus loyalty tier members ke SuperCoin accumulation ko accelerate karne ke liye. ₹500 + GST annual fee par issue hone wale is card ki renewal fee anniversary year mein ₹2,00,000 retail spend complete karne par 100% waive ho jaati hai.
Standard cashback Flipkart card ke opposite, Super Elite variant high-velocity SuperCoins accrue karta hai: Flipkart Plus members ke liye 12 SuperCoins per ₹100 on Flipkart (capped at 300 SuperCoins/order) aur non-Plus members ke liye 6 SuperCoins per ₹100 (capped at 150 SuperCoins/order), supported by 500 SuperCoins welcome gift aur general retail spending par 2 SuperCoins per ₹100.
Key Privileges aur Everyday Benefits
- Guaranteed 500 SuperCoins Welcome Gift: Card issuance ke first 30 days mein transaction complete karne par directly linked Flipkart account mein 500 bonus SuperCoins ka credit.
- Accelerated Flipkart SuperCoin Earnings:
- Flipkart Plus Members: 12 SuperCoins per ₹100 spent on Flipkart (capped at 300 SuperCoins per order).
- Non-Plus Members: 6 SuperCoins per ₹100 spent on Flipkart (capped at 150 SuperCoins per order).
- General Retail SuperCoins: Flipkart ke bahar other offline aur online retail spending par 2 SuperCoins per ₹100.
- Direct Checkout 1:1 Redemption: SuperCoins directly Flipkart checkouts par product discounts ke liye (1 SuperCoin = ₹1), partner vouchers (Myntra, Cleartrip), aur OTT subscriptions ke liye redeem hote hain.
- Accessible ₹2,00,000 Annual Fee Waiver: Card anniversary year mein ₹2,00,000 retail spend complete karne par ₹500 annual renewal fee 100% waive ho jaati hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Per-Order SuperCoin Limit: Flipkart orders par maximum cap 300 SuperCoins per order for Plus members aur 150 SuperCoins for non-Plus members hai.
- SuperCoins 365 Days Validity: Earn kiye gaye SuperCoins 1 year (365 days) mein expire hote hain agar use na kiye jaayein.
- No Airport Lounge Access: Card mein complimentary domestic ya international airport lounge visits shamil nahi hain.
- Excluded Spend Categories: Fuel, rent payments, wallet reloads, cash advances, utilities, aur government payments par SuperCoins nahi milte.
- DCC Charge 1.0%: International merchants agar INR currency mein bill karein toh 1.0% + GST ka DCC fee lagta hai.
Yeh Card Kinke Liye Best Fit Hai
- Active Flipkart Plus Members: Loyal Flipkart users jo checkout discounts, partner vouchers aur streaming subscriptions ke liye SuperCoins actively use karte hain.
- Frequent Small-Ticket Buyers: Spenders jo ₹1,000 to ₹2,500 ke orders place karte hain jahan 300 SuperCoin cap hit nahi hoti.
- Flipkart Rewards Ecosystem Fans: Consumers jo ₹2,00,000 spend waiver target easily meet karke zero annual cost par SuperCoins maximize karte hain.
- Axis Bank — Flipkart Super Elite Credit Card schedule of charges
- Flipkart Super Elite Rewards Matrix — SuperCoins earn and redemption rules
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.