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Side-by-Side Comparison|Updated March 2026

ICICI Bank Unifare 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.

ICICI Bank

ICICI Bank Unifare Credit Card

6.5/10
Annual Fee₹299
Base Rewards0.25%
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

FeatureICICI Bank Unifare Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹299₹500
Joining Fee₹299₹500
Fee Waiver Spend₹50,000₹3,50,000
Base Reward Rate0.25%1%
Reward CurrencyICICI Bank RewardsCashback
NetworkMastercardVisa
Editor Rating6.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Unifare Credit Card

No accelerated rewards listed

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

ICICI Bank Unifare Credit Card

Pros

  • Dual-purpose card acting as both a credit card and a Metro Smart Card
  • Auto-recharge facility of ₹200 when balance falls below threshold
  • Up to 15% discount on Metro travel fares (varies by city)
  • Accelerated 4 reward points per ₹100 on auto-recharge transactions

Cons

  • No airport lounge access or travel insurance benefits
  • Reward rate is relatively low for non-transit spends
  • City-specific variants limit utility if you move between metros

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

Choose ICICI Bank Unifare Credit Card if

Saves time with auto-recharge and money with direct fare discounts in Delhi, Mumbai, or Bangalore.

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: ICICI Bank Unifare 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, ICICI Bank Unifare Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Unifare Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
ICICI Bank Unifare Credit Card has an annual fee of ₹299, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. ICICI Bank Unifare 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: ICICI Bank Unifare Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
ICICI Bank Unifare Credit Card offers a base reward rate of 0.25%. 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 ICICI Bank Unifare Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Unifare 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: ICICI Bank Unifare Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, ICICI Bank Unifare Credit Card may be more approachable with a lower annual fee of ₹299. However, evaluate based on your expected spending pattern rather than fee alone.

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