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Side-by-Side Comparison|Updated March 2026

Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
NetworkMastercard
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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 Titanium Smart Traveler Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹100₹500
Joining Fee₹250₹500
Fee Waiver Spend₹50,000₹3,50,000
Base Reward Rate0.04000000000000001%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkMastercardVisa
Editor Rating6.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

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 Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

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 Titanium Smart Traveler Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

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 Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank Titanium Smart Traveler Credit Card has an annual fee of ₹100, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Axis Bank Titanium Smart Traveler Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on International Spends and Domestic Travel (Hotels, Ai.... 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 Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Axis Bank Titanium Smart Traveler Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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