Axis ACE Vs Flipkart Axis Credit Card
If you’re looking for a credit card that gives you solid cashback on everyday spends, both the Axis Bank ACE Credit Card and the Flipkart Axis Bank Credit Card are great entry-level options. While Axis ACE is ideal for those who frequently pay utility bills through Google Pay and enjoy dining or travel perks, the Flipkart Axis card is perfect for online shoppers who regularly use Flipkart, Myntra, or popular platforms like Swiggy and Uber.
Annual Fee, Welcome Benefits, and Spend-Based Fee Waiver
The Axis ACE Credit Card has no joining fee, and no joining benefits are provided. However, from the second year onward, the card incurs a renewal fee of ₹499 + GST. The Flipkart Axis card has the same joining and renewal fee of ₹500 + GST. Additionally, it offers a Flipkart voucher worth ₹500 + GST and a one-time Swiggy discount as a joining benefit.
| Particulars | Axis ACE | Flipkart Axis |
| Joining Fee | Nil | ₹500 + GST |
| Renewal Fee | ₹499 + GST | ₹500 + GST |
| Welcome Benefits | N/A |
|
| Spend-Based Annual Fee Waiver | Annual Fee From the 2nd Year Onwards is Waived on Annual Spends of ₹2 Lakh | Annual Charges Waived on Spends of ₹3.5 Lakh |
Reward Structure Comparison
Both cards help you earn cashback, but they work in different ways. Axis ACE offers fixed cashback on everyday expenses, including utility bills, whereas Flipkart Axis focuses more on shopping-related cashback.
| Particulars | Axis ACE | Flipkart Axis |
| Reward Structure |
|
|
| Reward Redemption | Cashback is Adjusted Every Month Against the Statement Balance. | Cashback is Adjusted Every Month Against the Statement Balance. |
Other Lifestyle Benefits
Besides cashback, these cards also give perks like free lounge access and dining discounts.
| Particulars | Axis ACE | Flipkart Axis |
| Travel Benefits | 4 Complimentary Domestic Airport Lounge Visits Per Year | N/A |
| Dining Benefits | 15% Off Up to ₹500 on Dining Bills at Partner Restaurants | 15% Off Up to ₹500 on Dining Bills at Partner Restaurants |
Bottom Line
The Axis Bank ACE Credit Card is a great choice for those who want simple and consistent cashback on a variety of everyday expenses. You earn 5% cashback on bill payments and mobile/DTH recharges via Google Pay, along with 4% cashback on platforms like Ola, Swiggy, and Zomato. The four complimentary domestic airport lounge visits each year are something rarely seen with other cards in this price range. With no joining fee and a reasonable annual fee waiver of ₹2 lakh, it’s ideal for first-time credit card users.
On the other hand, the Flipkart Axis Credit Card gives strong returns for those who frequently shop online, especially on Flipkart, Myntra, and ClearTrip. Along with 5–7.5% cashback on key partner platforms, it also offers 4% cashback on lifestyle brands, including Swiggy, Uber, PVR, and more. Plus, it includes 15% off on dining via Axis Bank’s Dining Delights.
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