Flipkart Axis Bank Credit Card vs. Amazon Pay ICICI Bank Credit Card: Which One Should You Choose?
If you're looking for a cashback credit card to maximize your savings, the Flipkart Axis Bank Credit Card and Amazon Pay ICICI Bank Credit Card are two of the best options in India. Both offer generous rewards, but they cater to different shopping habits. In this detailed comparison, we’ll break down their features, benefits, and drawbacks to help you decide which card suits you best.
1. Key Differences: Flipkart Axis Bank vs. Amazon Pay ICICI Bank
| Feature | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
|---|---|---|
| Joining Fee | ₹500 + GST | No joining fee |
| Annual Fee | ₹500 + GST | No annual fee (Lifetime free) |
| Cashback Type | Direct cashback | Amazon Pay balance cashback |
| Flipkart Cashback | 5% on Flipkart | Not applicable |
| Amazon Cashback | Not applicable | 5% for Prime members, 3% for non-Prime members |
| Other Partner Cashback | 4% on Swiggy, Uber, PVR, cult.fit | 2% on Amazon Pay partner merchants |
| General Cashback | 1% on all online & offline spends | 1% on all spends (except fuel) |
| Welcome Benefits | ₹500 Flipkart voucher | Up to ₹2,000 in cashback benefits |
| Lounge Access | 4 domestic lounge visits/year (with conditions) | No lounge access |
| Dining Benefits | Up to 15% discount at partner restaurants | Up to 15% discount at partner restaurants |
| Fuel Surcharge Waiver | No | 1% waiver on transactions up to ₹4,000 |
| Reward Redemption | Cashback credited directly | Cashback credited as Amazon Pay balance |
2. Flipkart Axis Bank Credit Card: Best for Flipkart & Travel Benefits
Pros:
- 5% Unlimited Cashback on Flipkart: Ideal for Flipkart shoppers looking to save more.
- 4% Cashback on Travel & Entertainment: Earn on Swiggy, Uber, PVR, and Cleartrip.
- 1 Free Domestic Lounge Access per Quarter: Good for frequent travelers.
- Dining Discounts: Get up to 15% off at partner restaurants.
Cons:
- Annual Fee of ₹500: Waived only if your cashback earnings exceed the fee.
- No Cashback on Fuel, Rental Payments, Insurance, EMI, and Wallet Loads.
- Lounge Access Now Requires ₹50,000 Spent in the Last 3 Months (Effective May 2024).
Who Should Get It?
This card is perfect for Flipkart shoppers and people who frequently use Swiggy, Uber, and PVR. If you also want lounge access, this card is a good choice.
3. Amazon Pay ICICI Bank Credit Card: Best for Amazon Shoppers & No Annual Fees
Pros:
- Lifetime Free Credit Card: No joining or annual fees.
- 5% Cashback on Amazon (for Prime Members): Huge savings if you shop regularly on Amazon.
- 2% Cashback at Amazon Pay Partner Merchants: Useful for digital payments.
- 1% Cashback on General Spends: Earn on most other transactions.
- Automatic Cashback to Amazon Pay Balance: No need to redeem points manually.
Cons:
- No Lounge Access or Travel Perks.
- 5% Amazon Cashback Only for Prime Members (Non-Prime Members Get 3%).
- No Cashback on Fuel, Gold, EMI, and Amazon Business Purchases.
Who Should Get It?
This card is the best choice for Amazon shoppers, especially Prime members. If you prefer a lifetime free credit card with automatic cashback, this is a great option.
4. Which Card Should You Choose?
Choose the Flipkart Axis Bank Credit Card if:
- You shop frequently on Flipkart.
- You want 4% cashback on Swiggy, Uber, and travel bookings.
- You need airport lounge access.
Choose the Amazon Pay ICICI Bank Credit Card if:
- You are an Amazon Prime member and shop on Amazon often.
- You prefer a lifetime free card with automatic cashback.
- You want cashback on Amazon Pay partner merchants.
Final Verdict:
If you shop more on Flipkart, the Flipkart Axis Bank Credit Card is a better fit. But if you prefer Amazon and want a lifetime free card, go for the Amazon Pay ICICI Bank Credit Card.
5. FAQ – Frequently Asked Questions
1. Can I apply for both the Flipkart Axis Bank and Amazon Pay ICICI Bank Credit Cards?
Yes. If you shop on both Flipkart and Amazon, getting both cards will help you maximize your savings.
2. Does the Flipkart Axis Bank Credit Card have a minimum spending requirement for lounge access?
Yes, starting May 1, 2024, you need to spend ₹50,000 in the last 3 months to avail of free domestic lounge access.
3. Can I get cashback on fuel transactions with these cards?
- Flipkart Axis Bank Credit Card: No cashback on fuel transactions.
- Amazon Pay ICICI Bank Credit Card: 1% fuel surcharge waiver (but no cashback).
4. How is cashback credited for these cards?
- Flipkart Axis Bank Credit Card: Cashback is credited directly to your statement.
- Amazon Pay ICICI Bank Credit Card: Cashback is credited as Amazon Pay balance automatically.
5. Do I need an Amazon Prime membership to get 5% cashback?
Yes, only Prime members get 5% cashback on Amazon purchases. Non-Prime members receive 3%.
6. Which card is better for travel benefits?
The Flipkart Axis Bank Credit Card is better for travel as it offers airport lounge access and 4% cashback on Cleartrip bookings. The Amazon Pay ICICI Bank Credit Card does not have any travel benefits.
Conclusion
Both the Flipkart Axis Bank Credit Card and Amazon Pay ICICI Bank Credit Card are excellent cashback cards, but they serve different types of shoppers. If you primarily shop on Flipkart, the Flipkart Axis Bank Credit Card is a better option. If you prefer Amazon and want a lifetime free credit card, the Amazon Pay ICICI Bank Credit Card is ideal.
Choose the one that aligns with your shopping habits and spending preferences.