Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
NIL / Lifetime Free
Rs. 500 + GST
Renewal Fee
NIL / Lifetime Free
Rs. 500 + GST from the 2nd year onwards
Spend Based Waiver
Lifetime free, so no annual fee waiver conditions apply.
Annual fee waived on annual spends greater than Rs. 3,50,000 (excluding rent/wallet loads).
Foreign Transaction Fees
3.5% of the total transacted amount.
3.5% on foreign currency transactions; 1.5% for Dynamic Currency Conversion transactions.
Interest Rate (APR)
3.75% per month (45% p.a.) on ATM withdrawals & outstanding balances.
3.75% per month (55.55% per annum) on retail purchases and cash advances.
Rewards & Benefits
Welcome Bonus
Cashback discounts up to ₹2,500 and one-month EazyDiner membership for Prime/non-Prime.
Total activation benefits worth Rs. 350, including a Rs. 250 Flipkart voucher and a 50% Swiggy discount.
Rewards Rate
Up to 5% on Amazon (Prime), 3% (non-Prime); 2% on partners; 1% on other eligible spends.
Earn 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, 1% elsewhere.
Reward Type
Cashback
Cashback
Reward Redemption Fee
Nil
Nil.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Removed as of June 2025.
International Lounge Access
Not Applicable
Removed as of June 2025.
Travel Benefits
Cashback on flight and hotel bookings via Amazon, up to 5% for Prime members.
5% cashback on Cleartrip, 4% cashback on Uber, and discounts on flights/hotels via MakeMyTrip.
Movie Benefits
Not Applicable
Accelerated 4% cashback on PVR movie tickets, plus 10% off up to Rs. 1000 on Tira.
Dining Benefits
Minimum 15% discount on dining bills at restaurants participating in Culinary Treats Programme.
Up to 15% off (max Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases up to ₹4,000 across India.
1% waiver on fuel transactions between Rs. 400-4,000, capped at Rs. 400 per month.
Security & Other
Insurance Benefits
Not Applicable
Does not offer benefits like air accident cover or luggage protection as of June 2025.
Cash Advance Charges
2.5% of withdrawn amount, minimum of ₹500.
2.5% of the cash amount, with a minimum of Rs. 500.