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Side-by-Side Comparison|Updated March 2026

Axis Bank - Flipkart Axis Bank Credit Card vs Amazon Pay ICICI 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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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank - Flipkart Axis Bank Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹500Free
Joining Fee₹500Free
Fee Waiver Spend₹3,50,000N/A
Base Reward Rate1%1%
Reward CurrencyCashbackAmazon Pay Balance
NetworkVisaVisa
Editor Rating7.2/109.5/10
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...

Amazon Pay ICICI 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

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

Amazon Pay ICICI 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 Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Axis Bank - Flipkart Axis Bank Credit Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI 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 Amazon Pay ICICI Bank Credit Card?
Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500, while Amazon Pay ICICI Bank Credit Card has no annual fee. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Axis Bank - Flipkart Axis Bank Credit Card or Amazon Pay ICICI Bank Credit Card?
Axis Bank - Flipkart Axis Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Myntra and Flipkart. Amazon Pay ICICI 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 Amazon Pay ICICI 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 Amazon Pay ICICI 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 Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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