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 named, Amazon ICICI Credit Card vs Flipkart Axis Credit Card, which will make you understand the difference between these two cards.

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

Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Credit Card

Joining/Annual Fee

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 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

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.

Other Benefits

Flipkart Axis Bank Credit Card Amazon Pay ICICI Credit Card
  • A discount of up to 20% on dining.
  • 1% fuel surcharge waiver off for fuel transactions between Rs. 400 & Rs. 4,000.
  • The cashback you earn is a credit to your account as the statement balance and you can use it anywhere you want.
  • A discount of 15% or more on dining.
  • 1% fuel surcharge is waived off for all fuel transactions up to Rs. 4,000.
  • The earned cashback is credited to your Amazon Pay account and you can use it only to make payments using Amazon Pay.

Bottom Line

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.

5 Comments

  1. Flipkart Axis card is NOT free.
    There is a spend based reversal on annual charges, but its not free.

  2. Suraj kumat Reply

    It’s free .. i got my credit card with no changes and reversal ..flipkart axis bank credit card

  3. As both cards are free, is it a good idea to have both cards? I am new to CCs. Also, seems there’s a typo, Domestic Lounge access is offered by Flipkart Axis CC.

    • Hi, thanks for pointing this out, infographic has been updated.And regarding your query, as you are starting with credit cards, I would suggest to go with only 1 card initially. Both cards are good, so you can choose any.

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