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Side-by-Side Comparison|Updated March 2026

Pharmeasy HDFC Bank 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

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
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

FeaturePharmeasy HDFC Bank Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹70,000₹3,50,000
Base Reward Rate0.04%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating6.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 pts/month

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

Pharmeasy HDFC Bank Credit Card

Pros

  • 5% cashback on Pharmeasy spends including medicines and healthcare products
  • Complimentary 6-month Pharmeasy Plus membership worth ₹999
  • Up to 50% discount on diagnostic tests and health check-ups
  • Low annual fee waiver threshold of ₹70,000 per year

Cons

  • No airport lounge access benefits
  • Low base reward rate of 1 point per ₹150 spent
  • Monthly reward point cap of 3,000 points on partner 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, Pharmeasy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Pharmeasy HDFC Bank Credit Card if

High 5% value back on regular medicine and diagnostic requirements via Pharmeasy.

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: Pharmeasy HDFC Bank 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, Pharmeasy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Pharmeasy HDFC Bank Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Pharmeasy HDFC Bank Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Pharmeasy HDFC Bank Credit Card offers a base reward rate of 0.04% with accelerated rewards on Pharmeasy. 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 Pharmeasy HDFC Bank Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Pharmeasy HDFC Bank 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: Pharmeasy HDFC Bank Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Pharmeasy HDFC 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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