Overview
Flipkart Axis Bank Credit Card and Amazon Pay ICICI Credit Card both are considered the top players among the cashback credit cards. Offered by the India’s top private sector banks- AXIS and ICICI banks, both the cards offers benefits which makes both the cards attractive.
As both the co-branded cards are based on the India’s largest ecommerce based websites – Flipkart and Amazon so opting for these credit cards can a best option for those who prefers to shop online.
Lets look into the deeper analysis between the two cards:
Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Credit Card
Category
| Credit Card | Remarks |
|---|---|
| Flipkart Axis Credit Card | As real Cash Back credited to Credit Card Statement. |
| Amazon Pay ICICI Credit Card | Credited as Amazon Pay Balance. |
Joining Fee and Annual Fee
| Credit Card | Joining Fee | Annual Fee | Annual Fee Waiver |
|---|---|---|---|
| Flipkart Axis Credit Card | 500 + GST | 500 + GST | Rs 3.5 lakh in the proceeding year, excluding rent and wallet load transactions. |
| Amazon Pay ICICI Credit Card | NIL | NIL | Not Applicable |
Welcome Benefit
| Credit Card | Annual Fee |
|---|---|
| Flipkart Axis Credit Card | Welcome benefit of Rs.600, including exciting offers and partner discounts. |
| Amazon Pay ICICI Credit Card | NIL |
Also Read: AU Bank Credit Card- Apply for Lifetime Free
Cashback Rate
| Credit Card | Cash Back Rate | Remarks |
|---|---|---|
| Flipkart Axis Bank Credit Card | 1% to 5 % | No capping on Cashback. |
| Amazon Pay ICICI Credit Card | 1% to 5 % | 5% (for Amazon Prime members) 3% (for non-Amazon Prime members) No capping on Cashback. |
With Flipkart Axis Bank Credit Card, you earn 5% cashback every time you shop on Flipkart and Cleartrip, 4% cashback on spends at preferred merchants in categories like food delivery, fashion, and more, and 1 % on other spends.
Amazon Pay ICICI Credit Card gives you 5% cashback if you are a Prime member and 3% for non-Prime customers on shopping on Amazon, and also get 2% cashback on spending at 100+ partnered merchants and 1% cashback on other spends on shopping, dining, and travel, including insurance premium payments.
Free Airport Lounge Access
| Credit Card | Domestic | International | Condition |
|---|---|---|---|
| Flipkart Axis Credit Card | 4 visits/year | NA | Minimum spending of Rs 50,000 over the last three calendar months. |
| Amazon Pay ICICI Credit Card | NA | NA | NA |
Other Benefits
| Flipkart Axis Bank Credit Card | Amazon Pay ICICI Credit Card |
|---|---|
| 1. A discount of up to 15% on dining delights with EasyDiner. 2. Get 1 % Fuel Surcharge waiver at all fuel stations across India up to Rs. 400 per statement for valid transaction between Rs. 400 to Rs. 4000. 3. Get Exciting Benefits and Discount on Wednesday. | 1. Cash Back on Insurance and Govt. Transactions. 2. Get 1 % Fuel Surcharge waiver at all fuel stations across India. 3. The rewards points don’t expire. |
Final Thought
Amazon Pay ICICI Credit Card is an entry-level cashback credit card, which offers 5% to 1% cashback as Amazon Pay Balance. So if you are an Amazon Prime Member and shop frequently on Amazon, then this is a must have card. Moreover, this card comes with a lifetime free offer with no joining fee, which is an added advantage to have this card, as you don’t have to pay a penny for the card. Another important point of having this card is that the card also gives cashback on payment of insurance premiums, purchase of offline gold at stores, and on government transactions.
Flipkart Axis Credit Card, on the other hand, offers cashback 1-5%, and the cashback is directly credited to the credit card statement which is hassle free and is a advantage over Amazon Pay ICICI Credit Card, but it also has a joining fee and annual of Rs. 500 plus GST.
So, to sum up, in comparison between the two credit cards, Amazon Pay ICICI Credit Card is a step forward considering the factors that it’s lifetime free and provides cashback on payment of insurance premiums, purchase of offline gold at stores, and on government transactions, which no other card provides.
But if you frequently shop at Flipkart, then Flipkart Axis Credit Card can be your choice. However, instead of choosing Flipkart Axis Credit Card, another credit card from SBI, SBI Cashback Credit Card can be a preferable choice as it gives 5% cashback on all online transactions, irrespective of the platform—making it a more appealing preference for those who like flexibility in their spending.
Frequently Asked Questions
Is Flipkart Axis Bank credit card free?
No, it has a Joining Fee and Annual Fee of Rs. 500 plus GST. However, the annual fee can be waived if you spend Rs. 3.5 lakh with the card within a year.
.
Is it worth to take a Flipkart Axis Bank credit card?
As it is Cash Back category card, so if you are frequent shopper at Flipkart it can be good choice as it gives 5% cashback on purchase on Flipkart.
.
Is Amazon Pay ICICI credit card really free?
Yes, it comes with a Lifetime free offer with no Joining and Annual fees.
Disclaimer: The views and opinions expressed are solely those of the author and do not necessarily reflect the official policy or position of Finostry. The information provided in this review is for informational purposes only and should not be considered as professional advice.
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