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Side-by-Side Comparison|Updated March 2026

Axis Bank Freecharge Plus 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 Freecharge Plus Credit Card

6.5/10
Annual Fee₹350
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Freecharge Plus Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹350₹500
Joining Fee₹350₹500
Fee Waiver Spend₹50,000₹3,50,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkVisaVisa
Editor Rating6.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Freecharge Plus Credit Card

No accelerated rewards listed

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 Freecharge Plus Credit Card

Pros

  • 5% cashback on all bill payments and recharges made via the Freecharge app
  • 2% cashback on local commutes including Ola and Uber rides
  • Low annual fee of ₹350 with a reachable waiver threshold of ₹50,000
  • Direct statement credit of cashback, eliminating the need for manual redemption

Cons

  • Monthly cashback is capped at a relatively low limit of ₹150
  • No cashback on utility payments made outside the Freecharge platform
  • Lacks travel benefits like airport lounge access or fuel surcharge waivers

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

Choose Axis Bank Freecharge Plus Credit Card if

Maximizes value on monthly utility bills and mobile recharges through the 5% cashback rate.

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 Freecharge Plus Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank - Flipkart Axis Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Freecharge Plus 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 Freecharge Plus Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank Freecharge Plus Credit Card has an annual fee of ₹350, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Axis Bank Freecharge Plus Credit Card offers a fee waiver on ₹50,000 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 Freecharge Plus Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank Freecharge Plus Credit Card offers a base reward rate of 1%. 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 Freecharge Plus 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 Freecharge Plus 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 Freecharge Plus Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Axis Bank Freecharge Plus Credit Card may be more approachable with a lower annual fee of ₹350. However, evaluate based on your expected spending pattern rather than fee alone.

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