The verdict
A high-velocity rewards engine for regular Flipkart and Myntra shoppers who redeem SuperCoins for product discounts, OTT subscriptions, and travel tickets. Earning 12 SuperCoins per ₹100 alongside 500 welcome SuperCoins easily justifies the ₹500 fee.
The maths for it
Spending ₹12,000/mo across multiple ₹1,200 Flipkart orders unlocks ~1,440 SuperCoins/mo (₹17,280/yr value) + 500 welcome SuperCoins = over ₹17,700 in net annual retail value against ₹500 fee (35.4× ROI).
The maths against
Earnings are capped at 150 SuperCoins per transaction, making it sub-optimal for single large electronic or smartphone purchases above ₹1,250–₹2,500.
✓What works
- +Earn 12 SuperCoins per ₹100 spent on Flipkart for Flipkart Plus members (12% return).
- +Earn 6 SuperCoins per ₹100 spent on Flipkart for non-Plus members (6% return).
- +500 SuperCoins welcome gift credited upon card activation within 30 days.
- +2 SuperCoins per ₹100 spent (2% valueback) on all other non-Flipkart retail transactions.
- +Welcome subscription bundle including YouTube Premium (2 months) and Gaana Plus (3 months).
- +Available on RuPay network with seamless UPI QR payments on merchant accounts.
✕What doesn't
- −SuperCoins earnings are strictly capped at 150 SuperCoins per individual transaction.
- −No complimentary airport lounge access.
- −SuperCoins expire 12 months after the credit date.
What it earns
1 SuperCoin = ₹1.00 when used for product discounts, vouchers, or OTT activations on Flipkart.
| Category | 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
Earn maximum SuperCoins on fashion, electronics, and daily essentials on Flipkart.
| 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
Redeem SuperCoins directly in Flipkart App for checkout discounts, brand vouchers, or OTT subs.
| 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, and Cleartrip flight bookings.
- +General domestic retail online and offline spending.
- +500 welcome SuperCoins on first 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
Does Flipkart Axis Bank Super Elite Credit Card offer airport lounge access?
No lounge access
What are the MITC charges, annual fees, and interest rates for Flipkart Axis Bank Super Elite Credit Card?
The annual renewal fee is ₹500 + GST (Waived at ₹2,00,000 spend). Fee waiver condition: Waived at ₹2,00,000 annual spend. Revolving balance finance charges: 3.75% / month (55.55% / year). Foreign currency markup: 3.5% + 1.5% DCC. Check the current issuer MITC for other or missing charges.
What is the reward rate and point redemption value on Flipkart Axis Bank Super Elite Credit Card?
Published earn rate: Up to 12 SuperCoins / ₹100 on Flipkart · 500 SuperCoins Welcome · 2 SC / ₹100 Base. Listed Flipkart Order Discounts value: ₹1.00 / SuperCoin.
Which transactions are excluded from earning rewards on Flipkart Axis Bank Super Elite Credit Card?
Listed exclusions: Single transactions exceeding 150 SuperCoin earning cap., Rent payments., Fuel purchases (1% surcharge waiver on ₹400–₹4,000).. Check the issuer terms for any fuel surcharge waiver.
Who is Flipkart Axis Bank Super Elite Credit Card best suited for in 2026?
The card details describe it as suited to Flipkart Plus members, SuperCoin rewards, Myntra shopping & Flipkart ecosystem discounts. Compare its terms with your spending and annual fee.
Editorial Deep-Dive Analysis
Comprehensive Overview: Flipkart Axis Bank Super Elite Credit Card
The Flipkart Axis Bank Super Elite Credit Card is a co-branded retail rewards credit card created in partnership with Flipkart, specifically designed to accelerate SuperCoin earnings for dedicated Flipkart Plus loyalty tier members. Issued at an annual fee of ₹500 + GST, the renewal fee is completely reversed upon spending ₹2,00,000 or more in eligible retail transactions during the card anniversary year.
Unlike the standard cashback Flipkart card, the Super Elite variant earns high-velocity Flipkart SuperCoins: 12 SuperCoins per ₹100 spent on Flipkart for Plus members (up to 300 SuperCoins per order) and 6 SuperCoins per ₹100 for non-Plus members (up to 150 SuperCoins per order), backed by a welcome gift of 500 SuperCoins on card activation and 2 SuperCoins per ₹100 on general retail spending.
Key Privileges and Practical Everyday Benefits
- Guaranteed 500 SuperCoins Welcome Gift: Receive 500 bonus Flipkart SuperCoins credited directly to your linked Flipkart account upon making the first retail transaction within 30 days of card issuance.
- Accelerated Flipkart SuperCoin Accrual:
- Flipkart Plus Members: Earn 12 SuperCoins per ₹100 spent on Flipkart (capped at 300 SuperCoins per transaction).
- Non-Plus Members: Earn 6 SuperCoins per ₹100 spent on Flipkart (capped at 150 SuperCoins per transaction).
- Everyday Retail SuperCoins: Earn 2 SuperCoins per ₹100 spent on general offline and online retail purchases outside Flipkart.
- SuperCoin Direct Checkout Redemption: SuperCoins can be used 1:1 (1 SuperCoin = ₹1) directly on Flipkart product checkouts, partner brand vouchers (Myntra, Cleartrip), and OTT subscriptions.
- Accessible ₹2,00,000 Annual Fee Waiver: The ₹500 annual renewal fee is 100% waived upon crossing ₹2,00,000 in qualifying retail spends in the previous card anniversary year.
Important Terms and Spend Conditions to Keep in Mind
- Per-Order SuperCoin Capping: SuperCoin earnings on Flipkart are capped at 300 SuperCoins per order for Plus members and 150 SuperCoins per order for non-Plus members.
- SuperCoin Expiration Policy: Flipkart SuperCoins are valid for 1 year (365 days) from the date of credit and will expire if not used.
- No Airport Lounge Access: The card carries no complimentary domestic or international airport lounge access.
- Excluded Spend Categories: Fuel purchases, rent payments, wallet reloads, cash advances, utilities, and government services do not earn SuperCoins.
- Dynamic Currency Conversion (DCC) Fee: A 1.0% + GST markup applies on foreign transactions processed in INR by overseas merchants.
Who Benefits Most
- Active Flipkart Plus Members: Shoppers with established Plus status who use SuperCoins for checkout discounts, OTT passes, and promotional voucher redemptions.
- Frequent Small-Ticket Flipkart Buyers: Spenders placing regular orders of ₹1,000 to ₹2,500 on Flipkart where the 300 SuperCoin cap is not exceeded.
- SuperCoin Ecosystem Loyalists: Cardholders who want an accessible card with an easily manageable ₹2,00,000 annual spend waiver threshold.
linkVerified Data & Notice Sources
- Axis Bank — Flipkart Super Elite Credit Card schedule of charges
- Flipkart Super Elite Rewards Matrix — SuperCoins earn and redemption rules
Independent Editorial & Statutory Disclaimers
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