Vyaya
Side-by-Side Comparison|Updated March 2026

PhonePe HDFC Bank Uno 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

PhonePe HDFC Bank Uno Credit Card

8/10
Annual Fee₹499
Base Rewards0%
NetworkRuPay
View Full Details

Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeaturePhonePe HDFC Bank Uno Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹3,50,000
Base Reward Rate0%1%
Reward CurrencyCashPointsCashback
NetworkRuPayVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

PhonePe HDFC Bank Uno 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

PhonePe HDFC Bank Uno Credit Card

Pros

  • 1:1 reward redemption ratio for statement credit (cashback)
  • Joining fee effectively zeroed out through welcome gift cards
  • Seamless UPI integration on RuPay network with rewards for scan & pay
  • Accelerated rewards on popular online brands like Amazon and Flipkart

Cons

  • No airport lounge access provided in this variant
  • Strict monthly caps of 500 points per category
  • No reward points on offline/in-store swipes (non-UPI)

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

PhonePe HDFC Bank Uno 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 PhonePe HDFC Bank Uno Credit Card if

Users who heavily utilize PhonePe for bill payments, recharges, and travel bookings will benefit most from the 2% reward rate.

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: PhonePe HDFC Bank Uno Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
PhonePe HDFC Bank Uno 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 PhonePe HDFC Bank Uno Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: PhonePe HDFC Bank Uno Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
PhonePe HDFC Bank Uno Credit Card offers a base reward rate of 0%. 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 PhonePe HDFC Bank Uno Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. PhonePe HDFC Bank Uno 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: PhonePe HDFC Bank Uno Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, PhonePe HDFC Bank Uno 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.

Related Comparisons

PhonePe HDFC Bank Uno Credit Card vs Swiggy HDFC Bank Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs Swiggy HDFC Bank Credit CardPhonePe HDFC Bank Uno Credit Card vs Amazon Pay ICICI Bank Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Bank Credit Card

Explore More

PhonePe HDFC Bank Uno Credit Card Full ReviewAxis Bank - Flipkart Axis Bank Credit Card Full ReviewAll HDFC Bank CardsAll Axis Bank CardsBest Cashback CardsBest Shopping CardsBrowse All Credit CardsCredit Card Guides & Tips