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Axis Bank ACE 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.

Features

Axis Bank ACE Credit Card
Axis Bank ACE Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹500 + GST
Renewal Fee
₹499 + GST
₹500 + GST
Spend Based Waiver
Annual fee waived on Rs. 2 Lakh spend/year. Joining fee reversed on Rs. 10,000 spend in 45 days.
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of transaction value; 1.5% for DCC.
Interest Rate (APR)
3.75% per month (55.55% annualized) on outstanding amount.
3.75% per month (55.55% per annum).

Rewards & Benefits

Welcome Bonus
Joining fee reversal on Rs. 10,000 spend within 45 days of card setup.
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Rewards Rate
Up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
Reward Type
Cashback
Cashback
Reward Redemption Fee
Nil
No charges for cashback redemption.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary lounge visits per calendar year at select domestic airports.
Not offered as of 20th June 2025.
International Lounge Access
Not Applicable
Not offered as of 20th June 2025.
Travel Benefits
4 complimentary domestic lounge visits annually & 4% cashback on Ola rides.
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Movie Benefits
Not Applicable
Unlimited 4% cashback on PVR movie ticket bookings.
Dining Benefits
Up to 15% off at 4000+ partner restaurants & 4% cashback on Swiggy/Zomato.
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases (Rs. 400-4000), max Rs. 500/statement cycle.
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.

Security & Other

Insurance Benefits
Not Applicable
None explicitly offered.
Cash Advance Charges
2.5% of withdrawn amount, minimum Rs. 500.
2.5% of amount (minimum Rs. 500).
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank ACE Credit Card

Flipkart Axis Bank Credit Card

Who is it for?

The Axis Bank ACE Credit Card is an outstanding entry-level cashback card, ideal for young professionals and digital spenders. It offers accelerated cashback on utility payments via Google Pay, popular food delivery, and ride-hailing services. Key benefits include 4 complimentary domestic lounge access visits and an easily waivable annual fee. This card provides substantial value for everyday digital transactions and occasional travel.

Who is it for?

The Flipkart Axis Bank Credit Card is an excellent choice for online shoppers, providing significant cashback on Flipkart, Myntra, and Cleartrip. It also offers accelerated rewards on popular platforms like Swiggy, Uber, PVR, and cult.fit, making it versatile for various digital spends. Cardholders also enjoy dining benefits. The cashback is directly credited to the statement, ensuring straightforward value.

Pros

Key benefits and features.

Excellent entry-level card for digital spends, offering high cashback rates.

High cashback rates on essential utility bills, food delivery, and ride-hailing services.

Provides 4 complimentary domestic airport lounge visits, a rare perk in this fee range.

Modest annual fee is easily waived, offering unlimited 1.5% cashback on general spending.

Pros

Key benefits and features.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

Cons

Key drawbacks and limitations.

Accelerated cashback categories are subject to a monthly capping limit.

No cashback earned on fuel, wallet reloads, EMI conversions, and some other transactions.

High 5% cashback is restricted to Google Pay Android app; not available on iOS.

A relatively high foreign currency markup of 3.5% applies to international transactions.

Cons

Key drawbacks and limitations.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.