Flipkart Axis Bank Credit Card Vs Amazon Pay ICICI Bank Credit Card: Which is Better?

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Flipkart Axis bank credit card vs Amazon Pay ICICI Credit Card

Are you a shopping freak who loves to shop online every other week or two from shopping giants- Amazon and Flipkart and is confused about what credit card you should be using? Worry not because we have done the major part for you and are here with the two best credit cards offering you numerous benefits on Amazon and Flipkart. These are Amazon Pay ICICI Bank Credit Card and Flipkart Axis bank Credit Card.

Both of these cards are co-branded shopping credit cards made exclusively for those who shop from these marketplaces frequently. But it might be difficult for people to select one card from these two options as both of them offer great benefits on their respective sites. To help you out, we have also provided a fine difference between these cards so that you can make a perfect choice and select the card that is best suited for you.

Flipkart Axis Bank Credit Card:

The Flipkart Axis Bank Card is a co-branded card issued by Axis Bank in collaboration with a famous shopping site, Flipkart. The card comes with a joining fee of Rs. 500 and with the same annual fee. Though the card is best suited for individuals who shop from Flipkart, it also offers benefits when you make transactions on Myntra, Swiggy, Cure.fit, Uber, and PVR.

Being a cashback rewarding card, it offers up to 5% cashback when you make purchases and transactions on the aforementioned merchants. Apart from the benefits in shopping, the Flipkart Axis Card offers benefits in travel where you can get access to airport lounges and in Dining where you can get offers under Axis Bank’s dining Delights program.

Detailed benefits and features of the Flipkart Axis Card:

  • As a Welcome Benefit, the card offers plenty of benefits including, 15 months of Gaana Plus subscription (provided at a discounted price of Rs. 399), 15% cashback (up to Rs. 500) on your first purchase on Myntra, 50% discount on the first purchase made on Swiggy, and Rs. 500 worth Flipkart vouchers.
  • The card offers 5% cashback on transactions made on Flipkart and Myntra and 4% cashback on transactions made on Swiggy, Uber, PVR and cure.fit. It also offers 1.5% cash back on every other offline and online transaction that you perform.
  • The card offers 4 complimentary access to airport lounges in India. You get 4 complimentary visits every year with this card. Post the complimentary visits, all the visits will be chargeable.
  • Also, it offers up to 20% off on dining bills at all partner restaurants under Axis Bank’s dining Delights program.
  • The cashback provided on transactions done with the card comes with no capping, which means that you can earn unlimited cashback for purchases that you make with the card.
  • The card also offers a 1% fuel surcharge waiver applicable at all fuel stations across India or transactions between Rs. 400 and Rs. 4,000.

Amazon Pay ICICI Bank Credit Card:

The Amazon Pay ICICI Bank Credit Card is also a co-branded credit card issued by ICICI Bank in collaboration with Amazon. It is also a cashback-based card that offers plenty of cashback for all transactions that you make with the card. If you are an Amazon Prime member, the benefits would be more rewarding, as you can get 5% cashback on all of your purchases made through Amazon.

Not only this, the Amazon ICICI card does not charge any joining or annual fee which makes it a lifetime free credit card. The card also offers other benefits in dining and fuel transactions as well.

Detailed features of the Amazon Pay ICICI Credit Card:

  • The card offers Rs. 1,500 in Amazon Pay balance as a welcome benefit on card activation.
  • As mentioned earlier, if you are a Prime member you will get 5% cash back on all purchases made on Amazon India. For Non-prime members, the cashback is 3% of the transaction amount. 
  • The card also offers 2% cash back on other purchases like books, air ticket bookings, movie or bus tickets, and much more.
  • The cashback earned is automatically added to your Amazon Pay balance which can be further used to make purchases on Amazon or at merchants accepting Amazon Pay.
  • As a dining benefit, the card provides you with a 15% or above discount at the member restaurants under ICICI bank’s Culinary Treats program.
  • You also get a 1% fuel surcharge waiver at all fuel stations across India for transactions up to Rs. 4,000.

Quick Comparison:

Basis Flipkart Axis Bank Credit Card Amazon Pay ICICI Bank Credit Card
Reward Rate 5% cashback on Flipkart and Myntra.

4% cashback on preferred partners including Swiggy, Uber, PVR and cure.fit.

1.5% cashback on all other online and offline spends.

 

5% cashback for prime members while shopping on Amazon

3% cashback for non-prime members while shopping on Amazon

2% cashback on partner merchants

1% cashback on all other transactions except fuel

5% cashback on first fuel transaction of the month

Reward Redemption Cashback earned with the card would be credited to the credit card statement. RP’s are transferred to Amazon Pay Balance and can be used to purchase products on Amazon or pay the partner merchants. 

1 Amazon Pay Balance = Re. 1

Welcome Benefit Welcome benefit worth Rs. 1,100 on the issuance of the card.

15 months Gaana Plus subscription at a discounted price of Rs. 399.

Rs. 500 worth Flipkart vouchers.

15% cashback (up to Rs. 500) on your first purchase using this card on Myntra.

50% discount on your first purchase for new to Swiggy (maximum discount capped at Rs. 100).

Amazon Pay Balance of Rs. 1,500

 

Fuel Surcharge Waiver 1% fuel surcharge waived at all fuel stations across India for transactions between Rs. 400 and Rs. 4,000. 1% waiver on a maximum transaction of Rs. 4,000
Dining Benefits Up to 20% off on dining bills at all partner restaurants under Axis Bank’s dining Delights program.

 

15% off on dining bills at partnered restaurants under the ICICI Bank Dining Delights Program
Travel Benefits 4 complimentary domestic lounge visits annually NA

 

Joining and Renewal Fee Rs. 500 (plus applicable taxes) NIL
Foreign Currency Mark-up 3.5% on all foreign currency spends. 3.5% on all foreign currency spends.

Bottom Line:

Both Amazon ICICI and Flipkart Axis Cards offer great benefits in shopping. However, to pick one, you have to differentiate with the help of your requirements. If you are looking for a card that offers benefits in only amazon then the Amazon Pay ICICI Bank card is a good choice for you. But If you want to get benefits in more than one merchant like flipkart, myntra, Swiggy and more then the Flipkart Axis Bank Credit card would be a great choice for you.

Also, the card offers travel benefits where you can get complimentary visits to airport lounges in India. However, we should not ignore the fact that the Amazon ICICI card is a lifetime free credit card, which means that you do not need to pay the annual charges for a credit card when you are utilizing its features. Therefore, the choice depends on your requirements and expectations. Always compare credit cards and choose the one that suits your need and lifestyle the best.

Additional Reading: Reasons You Should Get An American Express Credit Card

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