Flipkart Axis Bank Super Elite
CancelThe only credit card that feeds SuperCoins — and it still isn't a travel card.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 500 SuperCoins on activation, plus 1 year of Lenskart Gold, 3 months of Gaana Plus, 2 months of YouTube Premium, ₹500 off Myntra (first 3 orders over ₹2,999), 15% off Flipkart Flights (max ₹1,500) and 30% off a first Flipkart Health+ order
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹6,000 a month
At ₹6,000 a month — ₹72,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against its ₹500 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #606
Why #606 Ranked last on purpose: this is a shopping card that Axis itself files under "Shopping", carried here only because SuperCoins is a currency we price and this is the one credit card that feeds it.
SuperCoins are marketed at ₹1 each; our house value is ₹0.40, set by the best real exit (5:2 into Air India Maharaja Club at ₹1/mile). On Flipkart itself they cap out at a slice of order value, which is why the marketing number never survives contact with a checkout.
The take
Let's be blunt about why this is on a travel desk at all: SuperCoins is a currency we price, its exits are genuinely interesting (5:2 into Air India Maharaja Club, 2:1 to and from Marriott Bonvoy), and until now nothing in our data actually earned them. The Super Elite is that card. It is also, on any travel measure, thin. Outside Flipkart it pays 2 SuperCoins per ₹100 — 0.8% at our ₹0.40 mark — and forex is 3.5%. There is no lounge access, none: not domestic, not international, not gated on spend. The card's real trick is on Flipkart itself, where a Plus member picks up 12 extra SuperCoins per ₹100 (4.8%) until the 300-coins-per-transaction cap bites at ₹2,500 an order. The ₹500 fee is waived at ₹2 lakh of annual spend, so most holders never pay it, and the activation bundle (500 SuperCoins, Lenskart Gold, 15% off Flipkart Flights) is worth more than the fee in year one. Keep it in the drawer for Flipkart orders if you already have it. As a card you carry, book flights on, or take abroad, it does not belong in the wallet. Whether you can still GET one is a question Axis answers two ways: the credit-card shelf badges it "Best Seller" but gives it a Know More button and no Apply Now, while the product page's own hero banner is still a live, clickable link into the application form. We refuse to call that either way — see the watch-out.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹500/yr
The waiver ₹2,00,000 of spend in the year before renewal — about ₹16,667 a month — and the renewal fee is not charged.
Break-even ₹6,000 a month — ₹72,000 a year — is where this card's value crosses its fee.
At your spend
₹2,300 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹4,500 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹9,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹27,100 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹45,100 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 28 Aug 2026 Axis more than doubles its DCC markup — 3.5% generic, but Olympus and Magnus get their own rates issuer-wide
- 28 Aug 2026 Priority Pass stops opening Indian domestic lounges on every Axis card issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 4.8% on Flipkart for Plus members (12 extra SuperCoins per ₹100, up to 300 a transaction)
- ₹500 fee waived at ₹2 lakh of annual spend — most holders never pay it
- 500 SuperCoins on activation plus Lenskart Gold, Gaana Plus and YouTube Premium trials
- The only tracked card that actually earns SuperCoins — the coin exits 5:2 to Air India Maharaja Club
Watch out
- No lounge access whatsoever — domestic or international, gated or otherwise
- 0.8% outside Flipkart, and 3.5% forex kills it for any spend abroad
- SuperCoins are marketed at ₹1 and worth ₹0.40 on their best real exit
- Fuel, rent (MCC 6513), wallet loads, gift cards, jewellery, EMI and Flipkart Health earn zero
- Axis lets you hold only ONE Flipkart Axis card — taking this closes the base variant
- Axis's own two surfaces disagree on whether you can still get it: the credit-card shelf gives it a Know More link and NO Apply Now (the signature the closed Samsung Axis Infinite carries), but the product page's hero banner is a LIVE link into the application form — not commented out the way the withdrawn Atlas and Aura hero CTAs are. We hold it at PAUSED and assert neither side (checked 15-Aug-2026)
What these points actually fly
Flipkart SuperCoins move to Air India Maharaja Points , Marriott Bonvoy and Mag Miles — and those price every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
13 sourced rules · 5 pay zero
- Fuel · excluded Zero SuperCoins; 1% fuel surcharge waiver instead (₹400–₹5,000 txns)
- Rent & property management · excluded Zero SuperCoins on MCC 6513 since 15-Mar-2022; 1% rent fee since 5-Mar-2023; rent also excluded from the ₹2L fee-waiver count
- Wallet loads · excluded Zero SuperCoins on wallet loads (MCC 6540); also excluded from the ₹2L fee-waiver count
- Jewellery / gold · excluded Zero SuperCoins on jewellery purchases
Does your spend count toward the fee waiver?
not published — and we say which
₹2,00,000 a year is the bar that waives the ₹500 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Axis Bank states what the Flipkart Axis Bank Super Elite earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹2,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Paused — the issuer has stopped taking new applications for now and has not withdrawn the card; existing cardholders are unaffected.
Unclear, and Axis is the reason. Its credit-card shelf gives the Super Elite a "Know More" link and NO "Apply Now" — the signature the openly-closed Samsung Axis Infinite carries, while every live co-brand next to it (SpiceJet Voyage, Voyage Black, Samsung Signature, Shoppers Stop, Fibe) shows both. But the product page tells the other story: its hero banner is a live anchor into Axis's application webform, tagged for this card (utm_campaign=ccfksuperelite, axisreferralcode=fksuperelitebanner). That matters because the Atlas and Aura pages carry the SAME element with the SAME tagging commented out — someone at Axis deliberately disabled those and did not disable this one. There is no closure notice on the page either, and Axis does publish them (the Samsung Infinite page still carries "We are currently not accepting applications"). The 17-Jul-2026 Key Fact Sheet still prices the card at ₹500/₹500. So: the front door is shut, a side door is still wired, and we will not tell you it is definitely one or the other. Existing holders keep the construct regardless.
Axis Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official Axis Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining ₹500, annual ₹500 from year 2, waived on >₹2,00,000 of annual spend — rent (MCC 6513) and wallet loads (MCC 6540) do NOT count toward that waiver. Card replacement ₹100; cash payment at branch ₹175. 1% rent transaction fee since 5-Mar-2023. A cardholder may hold only ONE Flipkart Axis Bank card at a time — Axis may close the other at its discretion (SuperCoin T&C).
per the official Axis Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 1 Sept 2026Burgundy Private's lapse fee doubles to ₹1 lakh
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 7 of them, each with the day we read it
- official Product page — 12/6 additional SuperCoins per ₹100 on Flipkart, 2 per ₹100 elsewhere, 500 SuperCoins on activation, memberships; hero banner still links live into the application form
- official Axis Bank credit-card shelf — the Super Elite is badged "Best Seller" but carries ONLY a "Know More" link, no "Apply Now"
- official SuperCoin issuance T&C — 300 (Plus) / 150 (non-Plus) coins-per-transaction caps, uncapped 2 per ₹100 outside Flipkart, exclusion list incl
- official Axis Key Fact Sheet, updated 12-Aug-2026 — joining ₹500 / annual ₹500, waiver on ₹2,00,000 preceding-year spend, 55.55% APR, 3.5% foreign transaction fee, 1.5% DCC markup
- official Launch press release (22-Nov-2022) — 8 total SuperCoins per ₹100 on Flipkart (16 for Plus), 2 outside, ₹500 fee waived at ₹2 lakh
- community CardInsider — flags the card as discontinued and confirms no lounge access; corroborated 26-Jul-2026 by the missing Apply Now on Axis's own shelf
- official Axis Bank Domestic Airport Lounge Access Program — the Super Elite appears in NEITHER Set A nor Set B, and the base Flipkart Axis card lost its lounge access on 20-Jun-2025