In the crowded world of credit cards, those co-branded with major online shopping platforms often catch the eye due to their enticing rewards and cashback offers. Among these, the Flipkart Axis Bank Credit Card and the Amazon Pay ICICI Bank Credit Card stand out as two popular choices. Both cards cater to avid online shoppers but differ in their rewards, benefits, and overall value. Here’s a detailed comparison to help you decide which card might be better suited to your needs.
Comparison Overview
Annual Fee and Waivers
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Annual Fee | Rs. 500 | Nil |
| Fee Waiver Condition | On annual spends of Rs. 3.5 Lakh | Not Applicable |
Flipkart Axis Bank Credit Card has an annual fee of Rs. 500, which can be waived if you spend Rs. 3.5 lakh in a year. In contrast, the Amazon Pay ICICI Credit Card offers a lifetime-free card with no annual fee, making it more attractive for those who want to avoid annual charges altogether.
Welcome Benefits
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Welcome Offers | Rs. 500 Flipkart voucher, Rs. 100 Swiggy coupon | 3 months Amazon Prime membership, EazyDiner membership for a month |
The Amazon Pay ICICI Credit Card offers a higher total value in welcome benefits, including a complimentary Amazon Prime membership and other perks. On the other hand, the Flipkart Axis Bank Credit Card provides immediate shopping and food delivery discounts.
Cashback Benefits
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Maximum Cashback | 5% on Flipkart and Cleartrip | 5% for Amazon Prime members, 3% for non-Prime members |
| Base Cashback | 1% | 1% |
| Cashback on Partner Merchants | 4% on PVR, Swiggy, Uber, Cult.fit | 2% on Yatra.com, Faasos, Haptik, BookMyShow, redBus, FreshMenu, Chumbak, etc. |
| Cashback Credit | Flipkart Wallet | Amazon Pay Wallet |
The Flipkart Axis Bank Credit Card offers a consistent 5% cashback on Flipkart purchases and Cleartrip, making it ideal for frequent users of these platforms. The Amazon Pay ICICI Credit Card provides up to 5% cashback for Amazon Prime members and 3% for non-Prime members, which could be more beneficial if you frequently shop on Amazon and hold a Prime membership.
Lounge Access
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Complimentary Lounge Access | 4 visits per year (spend-based) | None |
The Flipkart Axis Bank Credit Card provides complimentary access to domestic airport lounges, which is beneficial for frequent travellers. This is a significant perk missing from the Amazon Pay ICICI Credit Card.
Categories Covered
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Primary Categories | Shopping, Cashback, Travel | Shopping, Cashback, Utilities, Wallet Load |
| Utility Bill Payments | Not Covered | Covered |
The Amazon Pay ICICI Credit Card covers utility bill payments, which is a notable advantage as the Flipkart Axis Bank Credit Card does not.
Related Article:- Unveiling the Pros and Cons of Credit Cards: Empowering Your Financial Journey
Partner Merchant Benefits
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Partner Merchant Cashback | 4% on PVR, Swiggy, Uber, Cult.fit | 2% on various partners |
Flipkart Axis Bank Credit Card provides higher cashback on a select list of partner merchants, while Amazon Pay ICICI Credit Card has a broader list but offers lower cashback rates.
Fuel Surcharge Waiver
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Fuel Surcharge Waiver | 1% waiver on transactions between Rs. 400 and Rs. 4,000 | 1% waiver on fuel transactions |
Both cards offer a 1% fuel surcharge waiver, which is a useful benefit for frequent drivers.
Dining Benefits
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| Dining Discount | 15% off at partner restaurants | 15% off at 2,500+ partner restaurants |
The Flipkart Axis Bank Credit Card offers a more significant discount at its partner restaurants compared to the Amazon Pay ICICI Credit Card, but the latter has a more extensive list of dining partners.
EMI Conversion
| Particulars | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
| EMI Conversion | Available on transactions above Rs. 2,500 | No Cost EMI for Amazon purchases only |
Flipkart Axis Bank Credit Card allows EMI conversion on a broader range of transactions, while Amazon Pay ICICI Credit Card limits this to Amazon purchases.
Related Article:- Credit Card Reward Points Explained: Tips to Maximize Your Savings and Cashback
Summary and Recommendations
Flipkart Axis Bank Credit Card is an excellent option if you:
- Frequently shop on Flipkart.
- Prefer Cleartrip for travel bookings.
- Want cashback benefits on multiple popular brands and categories.
- Value complimentary airport lounge access.
- Can manage an annual fee of Rs. 500 and spend Rs. 3.5 lakh annually to waive it.
Amazon Pay ICICI Credit Card is suitable if you:
- If you are an Amazon Prime member or plan to become one.
- Frequently use Amazon Pay for bill payments and recharges.
- Prefer a lifetime-free card with no annual fees.
- Do not require airport lounge access.
- Value a higher cashback percentage on Amazon and utility payments.
- If you use Wallets it offers 1% cashback on Wallet loads too.
If your shopping habits revolve around Amazon and you use Amazon Pay extensively, the Amazon Pay ICICI Credit Card may offer more benefits. However, if you seek a card with broader cashback opportunities and additional perks like lounge access, the Flipkart Axis Bank Credit Card stands out as a strong contender. Evaluate your spending patterns and preferences to make the best choice for your financial needs.
The Flipkart Axis Bank Credit Card offers a consistent 5% cashback on Flipkart purchases and Cleartrip, making it ideal for frequent users of these platforms. The Amazon Pay ICICI Credit Card provides up to 5% cashback for Amazon Prime members and 3% for non-Prime members, which could be more beneficial if you frequently shop on Amazon and hold a Prime membership.
The Flipkart Axis Bank Credit Card offers a consistent 5% cashback on Flipkart purchases and Cleartrip, making it ideal for frequent users of these platforms. The Amazon Pay ICICI Credit Card provides up to 5% cashback for Amazon Prime members and 3% for non-Prime members, which could be more beneficial if you frequently shop on Amazon and hold a Prime membership.
Pay your Credit Card Bills with the MobiKwik App
For those managing their credit card payments, the MobiKwik app offers a valuable feature. With MobiKwik, users can pay their credit card bills seamlessly while enjoying exciting cashback and SuperCash rewards. Additionally, the app provides easy reminders to ensure users never miss a payment due date. This feature helps in maintaining a good credit score and avoids late fees, making it a smart choice for managing credit card expenses effectively.
Ultimately, the choice between Flipkart Axis Bank and Amazon Pay ICICI Bank Credit Card depends on your shopping preferences and whether you prioritize travel perks or broader cashback benefits.
Download MobiKwik App for credit card bill payments!
Disclaimer: The information on this page is not updated. Kindly refer to the bank website for the latest credit card features.
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