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 credit cards as well. Axis Bank and ICICI Bank are one of the major 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 a good fit to diver 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 just 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 (Flipkart Axis Bank Credit Card is also being offered as a lifetime free card under a limited period offer till 31st March 2022). This makes the Amazon Pay ICICI Credit Card even more affordable for low-income individuals and 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. 1000 (Flipkart gift vouchers worth Rs. 500 from Axis Bank & Rs. 500 credited into your Flipkart account) & discount offers on other brands like Gaana, Myntra, etc. On the other hand, you get welcome benefits worth Rs. 600 with the Amazon pay ICICI Credit Card, which includes an Amazon gift card worth Rs. 200, a cashback of Rs. 200 on electricity bill payments, and a cashback of Rs. 200 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 & Myntra.
• A cashback of 4% on partner brands, including, Uber, Swiggy, PVR, and Cure fit.
• A cashback of 1.5% on all other online/offline spends.
• A cashback of 1.5% on utility/mobile bill payments.

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 2% (in the form of reward points) on utility/mobile bill payments & travel-related spends.
• A cashback of 1% on all other spends.

Airport Lounge Access

In terms of travel benefits, the Flipkart Axis Bank Credit Card can be considered 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 traveling, 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 your according to your needs.