Axis Bank ACE vs Flipkart Axis Bank Credit Card: Cashback and Lifestyle Benefits

Choosing the right credit card can make a significant difference in how you manage your expenses and earn rewards. In this blog, we compare the Axis Bank ACE and the Flipkart Axis Bank Credit Card to help you decide which card suits your lifestyle best.

Feature Comparison

Feature Axis Bank ACE Credit Card Flipkart Axis Bank Credit Card

Annual Fee

₹499

₹500

Welcome Benefits

₹500 Amazon/Flipkart voucher

₹250 Flipkart + ₹250 Myntra voucher

Cashback on Food & Bill Payments

5% on bill payments via Google Pay, 4% on Swiggy/Zomato

4% on Swiggy, Uber, PVR

Shopping Cashback

1.5% on all other spends

5% on Flipkart/Myntra (up to ₹4,000 per quarter)

Fuel Surcharge Waiver

Not available

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

Reward Points

EDGE Reward Points on general spends

EDGE Reward Points on other spends

Airport Lounge Access

4 complimentary lounge visits per year

Not available

Key Differences

  • Axis Bank ACE: Offers higher cashback on bill payments and food delivery, along with lounge access for travelers.
  • Flipkart Axis Bank Credit Card: Best for regular Flipkart and Myntra shoppers, providing higher e-commerce cashback.
  • Lifestyle Benefits: ACE focuses on utility and lifestyle perks, while Flipkart Axis is tailored to online shopping.

Which Card Should You Choose?

  • Choose Axis Bank ACE if your primary spending is on food delivery, bill payments, and you value occasional lounge access.
  • Choose Flipkart Axis Bank Credit Card if you frequently shop online on Flipkart or Myntra and want maximum cashback on these platforms.

Tips to Maximize Benefits

  1. Use the Axis Bank ACE for utility bills and food delivery to earn higher cashback.
  2. Use the Flipkart Axis Bank Credit Card for all Flipkart/Myntra transactions to maximize rewards.
  3. Always pay your monthly bill in full to avoid interest charges.
  4. Track reward points and redeem them for vouchers, cashback, or EMI options.

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