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Side-by-Side Comparison|Updated March 2026

Axis Bank - Flipkart Axis Bank Credit Card vs Airtel 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 - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Axis Bank

Airtel Axis Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank - Flipkart Axis Bank Credit CardAirtel Axis Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹3,50,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

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...

Airtel Axis Bank Credit Card

No accelerated rewards listed

Pros & Cons

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

Airtel Axis Bank Credit Card

Pros

  • 25% cashback on Airtel Mobile, DTH, and Broadband bills via Airtel Thanks App.
  • 10% cashback on Utility bills (Electricity, Gas, Water) via Airtel Thanks App.
  • 10% cashback on Swiggy, Zomato, and BigBasket spends.
  • Welcome benefit of ₹500 Amazon voucher effectively offsets the joining fee.

Cons

  • Monthly cashback caps (₹250 for Airtel, ₹250 for Utilities, ₹500 for Food/Grocery).
  • Lounge access is spend-based (₹50,000 in previous 3 months) and scheduled for removal in April 2026.
  • Cashback on utilities and Airtel services is only applicable if paid via the Airtel Thanks App.

Our Verdict

Airtel Axis Bank 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 - Flipkart Axis Bank Credit Card if

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

Choose Airtel Axis Bank Credit Card if

Unbeatable 25% return on telecom and broadband expenses.

Frequently Asked Questions

Which is better: Axis Bank - Flipkart Axis Bank Credit Card or Airtel Axis Bank Credit Card?
Airtel Axis Bank 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 - Flipkart Axis Bank Credit Card and Airtel Axis Bank Credit Card?
Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500, while Airtel Axis Bank Credit Card has an annual fee of ₹500. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend. Airtel Axis Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank - Flipkart Axis Bank Credit Card or Airtel Axis Bank Credit Card?
Axis Bank - Flipkart Axis Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Myntra and Flipkart. Airtel Axis Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank - Flipkart Axis Bank Credit Card and Airtel Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank - Flipkart Axis Bank Credit Card and Airtel Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank - Flipkart Axis Bank Credit Card or Airtel 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.

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