Amazon and Flipkart, being the most popular online shopping apps in India, have collaborated with the ICICI Bank & Axis Bank respectively to issue co-branded cards with them. These cards are Amazon Pay ICICI Bank Credit Card & Flipkart Axis Bank Credit Card. Both the credit cards have been launched newly in the market (in 2018 & 2019) and are entry-level credit cards. Most online shopaholics often find it confusing to choose one of these two credit cards as both come with exciting features and reward programs. To help you out choosing one, we are here with this article that will make you understand the difference between these two cards.
Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Credit Card
|Credit Card||Joining Fee||Renewal Fee|
|Flipkart Axis Bank Credit Card||Nil||Nil|
|Amazon pay ICICI Bank Credit Card||Nil||Nil|
Both Flipkart Axis Bank Credit Card & Amazon Pay ICICI Bank Credit Card are lifetime free credit cards. However, Axis bank used to charge an annual fee of Rs. 500 on the Flipkart Axis Bank Credit card earlier, but it has recently made the card absolutely free to have.
|Credit Card||Welcome Gift|
|Flipkart Axis Bank Credit Card||Benefits worth Rs. 2,500 (Flipkart gift vouchers worth Rs. 1,000 & exclusive discount on other brands.)|
|Amazon pay ICICI Bank Credit Card||Benefits worth Rs. 600 (Amazon gift card worth Rs. 200 & bonus cashback worth Rs. 400)|
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
|Credit Card||Reward Type||Minimum Cashback||Maximum Cashback|
|Flipkart Axis Bank Credit Card||Cashback||1.5%||5%|
|Amazon pay ICICI Bank Credit Card||Cashback||1%||
5% (for Amazon Prime members)
3% (for non-Amazon Prime members)
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
|Credit Card||Domestic Lounge Access||International Lounge Access|
|Flipkart Axis Bank Credit Card||4 every year||NA|
|Amazon pay ICICI Bank Credit Card||NA||NA|
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.
|Flipkart Axis Bank Credit Card||Amazon Pay ICICI Credit Card|
Before choosing one between the Flipkart Axis Bank Credit Card & Amazon Pay ICICI Credit Card, you need to understand where you like to spend more. It makes no sense if you have a Flipkart Axis Bank credit card and you spend more on Amazon and the opposite case. Both credit cards can help you save up to 5% on your spends, but you need to choose one wisely keeping your spending habits in mind. If you shop more on Amazon, choose the Amazon Pay ICICI Credit Card and if you shop more on Flipkart, choose the Flipkart Axis Bank Credit Card. So, which card are you going to have? Let us know in the comment section below.