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Side-by-Side Comparison|Updated March 2026

HDFC Bank Snapdeal 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.

HDFC Bank

HDFC Bank Snapdeal Credit Card

6.5/10
Annual Fee₹500
Base Rewards0.052000000000000005%
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

FeatureHDFC Bank Snapdeal Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹1,50,000₹3,50,000
Base Reward Rate0.052000000000000005%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating6.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Snapdeal Credit Card

  • 0% on Snapdeal
  • 0% on Dining/Travel/Entertainment

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

HDFC Bank Snapdeal Credit Card

Pros

  • 5% instant discount on Snapdeal purchases (capped at ₹500 per month)
  • 10X Reward Points (20 points per ₹150) on Snapdeal shopping
  • Accelerated 4 Reward Points per ₹150 on Dining, Entertainment, and Travel
  • Welcome benefit of 500 Reward Points and ₹2,000 worth of Snapdeal vouchers

Cons

  • Reward points are primarily valuable for Snapdeal vouchers
  • No complimentary airport lounge access
  • Low base reward rate of 1.33% on general spends

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, HDFC Bank Snapdeal Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Snapdeal Credit Card if

High reward multiplier and instant discounts specifically for the Snapdeal platform.

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: HDFC Bank Snapdeal 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, HDFC Bank Snapdeal Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Snapdeal Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
HDFC Bank Snapdeal Credit Card has an annual fee of ₹500, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. HDFC Bank Snapdeal Credit Card offers a fee waiver on ₹1,50,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: HDFC Bank Snapdeal Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
HDFC Bank Snapdeal Credit Card offers a base reward rate of 0.052000000000000005% with accelerated rewards on Snapdeal and Dining/Travel/Entertainment. 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 HDFC Bank Snapdeal Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Snapdeal 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: HDFC Bank Snapdeal Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, HDFC Bank Snapdeal 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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