Amazon Pay ICICI vs Flipkart Axis Bank Credit Card: Best Choice for Online Shoppers

Online shopping has become a daily habit, and the right credit card can make it more rewarding. Two of the most popular options are the Amazon Pay ICICI and the Flipkart Axis Bank Credit Card. Both offer excellent cashback and benefits — but which one fits your shopping style better? Let’s compare.

Feature Comparison

Feature Amazon Pay ICICI Credit Card Flipkart Axis Bank Credit Card

Annual Fee

₹0 (Lifetime Free)

₹500 (Waived on spends above ₹2 lakh/year)

Cashback on Partner Sites

5% on Amazon purchases for Prime members (3% for others)

5% on Flipkart and Myntra purchases

Cashback on Other Spends

1% on all other transactions

1.5% on all other online spends

Welcome Benefits

₹500 Flipkart voucher on activation

₹500 Flipkart voucher on activation

Lounge Access

Not available

4 complimentary domestic lounge visits per year

Fuel Surcharge Waiver

1% on transactions between ₹500–₹4,000

1% on transactions between ₹400–₹4,000

Reward Redemption

Auto-credit as Amazon Pay balance

Cashback directly credited to statement

Key Differences

  • Amazon Pay ICICI: Lifetime free card with automatic cashback into your Amazon Pay wallet — ideal for frequent Amazon shoppers.
  • Flipkart Axis Bank: Offers broader online cashback benefits and complimentary lounge access, making it better for frequent online spenders and travelers.
  • Annual Fee: Amazon Pay ICICI is completely free, while Flipkart Axis offers better benefits but comes with a nominal fee.

Which Card Should You Choose?

  • Choose Amazon Pay ICICI if you shop primarily on Amazon and want a zero-fee credit card with direct cashback benefits.
  • Choose Flipkart Axis Bank if you prefer shopping on Flipkart, Myntra, or other e-commerce platforms and value lounge access and higher overall cashback.

Tips to Maximize Benefits

  1. Use Amazon Pay ICICI for Amazon and partner website purchases to get the full 5% cashback.
  2. Use Flipkart Axis for Flipkart, Myntra, and other online shopping portals to maximize rewards.
  3. Always pay your bill in full each month to enjoy interest-free cashback.

Track your monthly spends to ensure your annual fee (if applicable) gets waived.

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