Introduction
When it comes to choosing the best shopping credit card in India, the debate often narrows down to Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Credit Card. Both cards are co-branded with major e-commerce platforms and offer attractive cashback and rewards tailored to online shoppers. While the Flipkart Axis card provides higher cashback on Flipkart, Myntra, and a few other partner platforms, the Amazon Pay ICICI card stands out with its Amazon Prime benefits and broader reward conversion. In this comparison, weโll break down the key differences to help you decide which card offers the most value for your shopping habits.
Quick Comparison Table
| Feature | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Credit Card |
| Annual Fee | โน500 (waived on โน3.5L spend) | โน0 (Lifetime Free) |
| Cashback on Platform | 5% on Flipkart & Myntra | 5% on Amazon (Prime members) |
| Other Cashback | 4% on partners, 1.5% others | 2% on partners, 1% others |
| Lounge Access | 4 domestic lounges/year | None |
| Fuel Surcharge Waiver | 1% (up to โน400/month) | 1% on all fuel transactions |
Fees and Charges
Flipkart Axis Bank Credit Card:
- Joining Fee: โน500
- Annual Fee: โน500 (waived if annual spend exceeds โน3.5 lakhs)
- Late Payment Charges: Varies from โน500 to โน1,200 based on the outstanding amount
- Foreign Currency Markup: 3.5%
- Cash Withdrawal Fee: 2.5% of the amount (minimum โน500)
Amazon Pay ICICI Credit Card:
- Joining Fee: None
- Annual Fee: None
- Late Payment Charges: Ranges from โน100 to โน1,200 based on the outstanding amount
- Foreign Currency Markup: 3.5%
- Cash Withdrawal Fee: 2.5% of the amount (minimum โน300)
Eligibility Criteria
Flipkart Axis Bank Credit Card:
- Age: 18 to 70 years
- Residency: Indian resident
- Income: Stable income source required
- Documents: PAN card, identity proof, address proof, income proof
Amazon Pay ICICI Credit Card:
- Age: 21 to 60 years
- Residency: Indian resident
- Income: Minimum monthly income of โน25,000 for ICICI customers; โน35,000 for others
- Documents: PAN card, identity proof, address proof, income proof
Milestone Benefit Comparison
Flipkart Axis Bank Credit Card:
- Annual Fee Waiver: Spend โน3.5 lakhs in a year to waive the annual fee
- Welcome Benefits: โน500 Flipkart voucher on first transaction; 50% off (up to โน100) on first Swiggy order
Amazon Pay ICICI Credit Card:
- Annual Fee Waiver: Not applicable as the card is lifetime free
- Welcome Benefits: None
Rewards, Cashback & Redemption
Flipkart Axis Bank Credit Card:
- 5% Cashback: On Flipkart and Myntra purchases
- 4% Cashback: On preferred partners like Swiggy, PVR, Uber
- 1.5% Cashback: On all other eligible spends
- Redemption: Cashback is credited to the card statement in the next billing cycle
Amazon Pay ICICI Credit Card:
- 5% Cashback: On Amazon.in for Prime members
- 3% Cashback: On Amazon.in for non-Prime members
- 2% Cashback: On payments to Amazon Pay partner merchants
- 1% Cashback: On all other spends
- Redemption: Cashback is credited as Amazon Pay balance in real-time
Lifestyle Benefits and Perks
Flipkart Axis Bank Credit Card:
- Airport Lounge Access: 4 complimentary domestic lounge visits per year (subject to spending โน50,000 in the previous 3 months)
- Dining Discounts: Up to 15% off at partner restaurants via EazyDiner
- Fuel Surcharge Waiver: 1% waiver on transactions between โน400 and โน4,000 (capped at โน400 per month)
Amazon Pay ICICI Credit Card:
- Dining Discounts: 15% off at partner restaurants under the Culinary Treats programme
- Fuel Surcharge Waiver: 1% waiver on all fuel transactions
- Other Perks: No travel or entertainment benefits
Which Card is Better for You?
Choose Flipkart Axis Bank Credit Card if:
- You frequently shop on Flipkart and Myntra
- You value travel perks like lounge access
- You're comfortable with an annual fee that can be waived with high spending
Choose Amazon Pay ICICI Credit Card if:
- You're a regular Amazon shopper, especially a Prime member
- You prefer a no-fee credit card
- You appreciate real-time cashback credited to your Amazon Pay balance
Final Thoughts and Recommendation
Both cards offer substantial benefits tailored to specific shopping behaviors. The Flipkart Axis Bank Credit Card is ideal for those who are loyal to Flipkart and value additional perks like lounge access and dining discounts. On the other hand, the Amazon Pay ICICI Credit Card is perfect for Amazon enthusiasts seeking a straightforward, no-fee card with instant cashback benefits. Assess your shopping habits and preferences to choose the card that aligns best with your lifestyle.
