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Side-by-Side Comparison|Updated March 2026

Flipkart Axis Bank Super Elite Credit Card vs Axis Bank ACE Credit Card

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

Axis Bank

Flipkart Axis Bank Super Elite Credit Card

7.2/10
Annual Fee₹500
Base Rewards2%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFlipkart Axis Bank Super Elite Credit CardAxis Bank ACE Credit Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹2,00,000₹2,00,000
Base Reward Rate2%1%
Reward CurrencySuperCoinCashback
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Flipkart Axis Bank Super Elite Credit Card

  • 0% on Flipkart (Plus Members) — 300 pts/month
  • 0% on Flipkart (Non-Plus Members) — 150 pts/month

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Flipkart Axis Bank Super Elite Credit Card

Pros

  • Earn up to 16 SuperCoins per ₹100 spent on Flipkart for Plus members.
  • Welcome benefits worth ₹20,000 including trial memberships for YouTube Premium and Gaana Plus.
  • Low annual fee of ₹500 with a reachable waiver threshold of ₹2 lakhs.
  • Flat 2 SuperCoins per ₹100 on all non-Flipkart eligible spends with no capping.

Cons

  • No complimentary airport lounge access.
  • Rewards are in SuperCoins, which are primarily useful within the Flipkart/Myntra ecosystem.
  • Capping on SuperCoins earned per transaction on Flipkart (300 for Plus, 150 for Non-Plus).

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

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

Choose Flipkart Axis Bank Super Elite Credit Card if

High SuperCoin earn rate specifically for Flipkart Plus members and frequent shoppers on the platform.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: Flipkart Axis Bank Super Elite Credit Card or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Flipkart Axis Bank Super Elite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Flipkart Axis Bank Super Elite Credit Card and Axis Bank ACE Credit Card?
Flipkart Axis Bank Super Elite Credit Card has an annual fee of ₹500, while Axis Bank ACE Credit Card has an annual fee of ₹499. Flipkart Axis Bank Super Elite Credit Card offers a fee waiver on ₹2,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Flipkart Axis Bank Super Elite Credit Card or Axis Bank ACE Credit Card?
Flipkart Axis Bank Super Elite Credit Card offers a base reward rate of 2% with accelerated rewards on Flipkart (Plus Members) and Flipkart (Non-Plus Members). Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Flipkart Axis Bank Super Elite Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Flipkart Axis Bank Super Elite Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Flipkart Axis Bank Super Elite Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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