Axis Bank ACE Credit Card VS Flipkart Axis Bank Credit Card
Both Axis Bank ACE Credit Card and Flipkart Axis Bank Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis Bank ACE Credit Card costs ₹499 + GST and earns up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends. Flipkart Axis Bank Credit Card costs ₹500 + GST and earns 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others. Axis Bank ACE Credit Card also brings 4 complimentary lounge visits per calendar year at select domestic airports, while Flipkart Axis Bank Credit Card counters with Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank ACE Credit Card
Flipkart Axis Bank Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
High cashback rates: 5% on Google Pay bills/recharges and 4% on Swiggy, Zomato, Ola.
Includes 4 complimentary domestic airport lounge accesses, rare for entry-level cards.
No maximum capping on the regular 1.5% cashback earned on all other spends.
Annual fee of ₹499 is easily waived off on an annual expenditure of ₹2,00,000.
Pros
Key benefits and features.
Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.
High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.
Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.
Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.
No upper limit on cashback for most categories, providing significant savings potential.
Cons
Key drawbacks and limitations.
No cashback on specific categories like fuel, wallet reloads, EMIs, gold items, and cash advances.
The accelerated 5% cashback on Google Pay is exclusively valid on the Android application.
Cashback earned at non-partner merchants (excluding key platforms) is a standard 1.5%.
Cons
Key drawbacks and limitations.
Not the best choice for offline shopping, offering only 1% cashback on such spends.
Does not offer any insurance benefits, such as air accident cover or luggage cover.
No complimentary airport lounge access, limiting travel perks for cardholders.
New fees on rent, education, utilities, and wallet loads from late 2024.