In a blender, add rolled oats, flaxseeds, salt, sugar, cinnamon and cardamom powder.
Blend the flax and oats to a fine powder consistency.
Now add finely chopped apples, bananas, and coconut milk to the blender.
Blend one last time to get evenly combined pancake batter. Transfer the batter to a bowl.
Heat a non-stick skillet or griddle over medium heat. Add a little coconut oil.
Once hot, pour about ¼ cup of the pancake batter onto the skillet for each pancake.
Cook for 2-3 minutes or until bubbles form on the surface, then flip and cook for another 1-2 minutes until golden brown. Adjust the heat as needed to prevent burning.
Serve apple pancakes warm with caramelised apples, a drizzle of maple syrup, and a sprinkle of cinnamon.