Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card vs Axis Bank ACE Credit Card
A detailed, side-by-side look at 3 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
₹499 + GST
Renewal Fee
NIL / Lifetime Free
Rs. 500 + GST from the 2nd year onwards
₹499 + GST
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).
Joining fee waived on ₹10,000 spend in 45 days; renewal fee waived on annual spend of ₹2,00,000.
Foreign Transaction Fees
3.5% of the total transacted amount.
3.5% on foreign currency transactions; 1.5% for Dynamic Currency Conversion transactions.
3.5% of the transaction amount.
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.
3.75% per month (55.55% annualized) on outstanding balances.
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.
Joining fee can be waived off on spending ₹10,000 within 45 days of Axis Bank ACE card setup.
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.
5% on Google Pay bill payments, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
Nil
Nil.
Nil.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Removed as of June 2025.
4 complimentary airport lounge visits per calendar year at select domestic airports.
International Lounge Access
Not Applicable
Removed as of June 2025.
Not offered with this card.
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.
4 complimentary domestic airport lounge visits annually with the Axis Bank ACE Credit Card.
Movie Benefits
Not Applicable
Accelerated 4% cashback on PVR movie tickets, plus 10% off up to Rs. 1000 on Tira.
Not Applicable
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.
Up to 15% off at over 4000+ partner restaurants across India under the Dining Delights program.
Golf Benefits
Not Applicable
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.
1% waiver on fuel (₹400-₹4000 transactions), max ₹500 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Does not offer benefits like air accident cover or luggage protection as of June 2025.
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, minimum of ₹500.
2.5% of the cash amount, with a minimum of Rs. 500.
2.5% of withdrawn amount, subject to a minimum of ₹500.