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

Flipkart and Amazon are two key players in the online business world. These two brands are the giants in the Indian e-commerce market, providing easy means to buy things. But these brands are also providing hoards of benefits with their co-branded credit cards. Yes, Flipkart Axis Bank Credit Card and Amazon Pay ICICI Bank Credit Card are in the financial market with lots of benefits both by the banks and the brands as well.

Both of these credit cards are competing shopping credit cards. Axis Bank and ICICI Bank are one of the significant financial institutions in the Indian market. And both banks hold one of the highest credit card user ratios. The credit cards issued by these two banks have some major benefits and rates.

These two credit cards are highly in demand and are very well suited for people shopping online most of the time. The reward structure, features, and benefits are naturally good with the credit. The cards are an excellent fit to deliver the spending from our primary cards.

Both these credit cards are well-suited for shopping and can be considered as one of the best choices for online shoppers. Not only that but with both these credit cards, you get cashback rewards on almost every purchase you make. Let’s have a deeper look into these credit cards for what they offer and what are the charges and fees –

Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Credit Card

Joining/Annual Fee

Both Flipkart Axis Bank Credit Card & Amazon Pay ICICI Bank Credit Card used to be lifetime-free credit cards. But, the Flipkart Axis Bank Card has started charging an annual fee of Rs. 500 now. This makes the Amazon Pay ICICI Credit Card even more affordable for low-income individuals. It can also be considered the best credit card in India in the lifetime-free category.

Welcome Gift

With the Flipkart Axis Bank Credit Card, you get welcome gift vouchers worth Rs. 600. On the other hand, you get welcome benefits worth Rs. 2,000 with the Amazon pay ICICI Credit Card, which includes a cashback of Rs. 250 on electricity bill payments, and a cashback of Rs. 250 on LPG booking). However, the welcome offers keep changing from time to time for the Amazon Pay ICICI Credit Card; this is the offer that is currently going on.

Rewards & Cashback

Both Flipkart Axis Bank Credit Card and Amazon Pay ICICI Bank Credit Card reward their customers in the form of cashback on all their spends. Following are the details about the cashback offer on both cards:

Flipkart Axis Bank Credit Card

• A cashback of 5% on spends on Flipkart.
• A cashback of 4% on partner brands, including Uber, Swiggy, PVR, and Cult.fit.
• A cashback of 1.5% on all other online/offline spends.
• A cashback of 1.5% on Myntra and other eligible spends.

Amazon Pay ICICI Bank Credit Card

• A cashback of 5% for Amazon Prime members for purchases made on Amazon.
• A cashback of 3% for non-Prime members for purchases made on Amazon.
• A cashback of 2% on over a hundred partner merchants who accept Amazon Pay.
• A cashback of 1% on all other spends.

Free Airport Lounge Access

In terms of travel benefits, the Flipkart Axis Bank Credit Card is better as it provides 4 complimentary domestic lounge access every year, unlike the Amazon Pay ICICI Credit Card, which has no airport lounge benefits.

Other Benefits

Bottom Line

Amazon ICICI Bank Credit Card and Flipkart Axis Credit Card are very well designed for the basic needs of an online shopper. Both cards have a good reward program and have many other benefits. If you are a continuous shopper and most of your shopping is done with Amazon, then the Amazon ICICI Credit card is the best suited for you. But if you prefer Flipkart and Myntra, then no doubt go with Flipkart Axis Credit Card.

For shoppers who love travelling, you can go with the Flipkart Axis bank credit card, as it gets you complimentary domestic lounge access, making your travels comfortable. However, if we talk about the Amazon Pay Axis Bank ICICI Credit Card, your earned rewards, there is no limit for you to earn in a month, and it also does not have any expiry date.

Both credit cards have their perks and benefits; if you are going to choose any of these credit cards, you need to check whether your needs are fulfilled or not. And, more importantly, which will be the best fit for you according to your needs?