Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Cashback Credit Card vs Axis Bank - Flipkart Axis Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Cashback Credit Card

8.2/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
View Full Details

Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Cashback Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹1,000₹500
Joining Fee₹1,000₹500
Fee Waiver Spend₹4,00,000₹3,50,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkVisaVisa
Editor Rating8.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Cashback Credit Card

  • 0% on Online Spends
  • 0% on Online Spends
  • 0% on Online Spends

Axis Bank - Flipkart Axis Bank Credit Card

  • 0% on Myntra — 4000 pts/month
  • 0% on Flipkart — 4000 pts/month
  • 0% on Cleartrip — 4000 pts/month
  • 0% on Preferred Merchants (Swiggy...

Pros & Cons

Axis Bank Cashback Credit Card

Pros

  • High tiered cashback up to 7% on online spends above ₹40,000 monthly.
  • Unlimited 0.75% cashback on all offline and travel-related transactions.
  • Welcome benefit of 5,000 EDGE points (₹1,000) fully offsets the joining fee.
  • Automatic cashback redemption as statement credit every month.

Cons

  • No complimentary domestic or international airport lounge access.
  • Complicated tiered structure for online cashback compared to flat-rate competitors.
  • Low 0.5% cashback on utility bills with a strict ₹100 monthly cap.

Axis Bank - Flipkart Axis Bank Credit Card

Pros

  • 7.5% cashback on Myntra spends (capped at ₹4,000 per quarter)
  • 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
  • Unlimited 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit
  • Unlimited 1% cashback on all other eligible spends with no minimum transaction value

Cons

  • Complimentary domestic airport lounge access has been discontinued since June 2025
  • High annual fee waiver threshold of ₹3.5 lakh compared to other entry-level cards
  • Cashback exclusions include fuel, wallet loads, rent, insurance, and utilities

Our Verdict

Axis Bank Cashback Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Cashback Credit Card if

Best value for those spending over ₹40,000 monthly on online platforms to hit the 7% tier.

Choose Axis Bank - Flipkart Axis Bank Credit Card if

High cashback rates on these platforms make it the best choice for frequent shoppers.

Frequently Asked Questions

Which is better: Axis Bank Cashback Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank Cashback Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Cashback Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank Cashback Credit Card has an annual fee of ₹1,000, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Axis Bank Cashback Credit Card offers a fee waiver on ₹4,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Axis Bank Cashback Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank Cashback Credit Card offers a base reward rate of 1% with accelerated rewards on Online Spends and Online Spends. Axis Bank - Flipkart Axis Bank Credit Card offers 1% base rewards with bonuses on Myntra and Flipkart. The better choice depends on your primary spending categories.
Can I have both Axis Bank Cashback Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Cashback Credit Card and Axis Bank - Flipkart Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Cashback Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Axis Bank - Flipkart Axis Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Cashback Credit Card vs Axis Bank ACE Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs Axis Bank ACE Credit CardAxis Bank Cashback Credit Card vs Amazon Pay ICICI Bank Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Bank Credit Card

Explore More

Axis Bank Cashback Credit Card Full ReviewAxis Bank - Flipkart Axis Bank Credit Card Full ReviewAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips