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Axis Bank Neo 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.
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Last updated: 17 July 2026

Both Axis Bank Neo Credit Card and Flipkart Axis Bank Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis Bank Neo Credit Card costs ₹250 + GST and earns 1 EDGE REWARD Point for every ₹200 spent on all eligible transactions (Reward Rate 0.10%). Flipkart Axis Bank Credit Card is lifetime-free and earns 7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends. Axis Bank Neo Credit Card also brings 100% cashback up to ₹300 on the first utility bill payment made on Paytm within 30 days of card setup, while Flipkart Axis Bank Credit Card counters with no complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025. If dining spending matters more, go with Axis Bank Neo Credit Card; if travel is the priority, Flipkart Axis Bank Credit Card fits better.

Axis Bank Neo Credit Card
Axis Bank Neo Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card

Fees & Charges

Joining Fee₹250 + GST
Joining FeeFree (1st year)
Renewal Fee₹250 + GST
Renewal Fee₹500 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Foreign Transaction Fees3.50% of the transaction value
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.75% per month (55.55% per annum)
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.

Rewards & Benefits

Welcome Bonus100% cashback up to ₹300 on the first utility bill payment made on Paytm within 30 days of card setup.
Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Rewards RateEarn 1 EDGE REWARD Point for every ₹200 spent on all eligible transactions (Reward Rate 0.10%).
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil / No.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge Access
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Travel BenefitsUp to 7% off on flights & 18% off on hotels via Cleartrip; up to 15% off on MakeMyTrip.
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Movie BenefitsAvail 10% off on movie ticket bookings via BookMyShow, with a maximum discount of ₹100 per month.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Dining BenefitsGet ₹120 off on Zomato orders twice monthly & 15% discount at select partner restaurants.
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol pumps across India on transactions between ₹400 – ₹4,000, capped at ₹400 per month.
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.

Security & Other

Insurance Benefits
Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Cash Advance Charges2.5% of the withdrawn amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Neo Credit Card

Flipkart Axis Bank Credit Card

Who is it for?

The Axis Bank Neo Credit Card is an entry-level credit card from Axis Bank, designed for individuals looking to build their credit history while enjoying savings on everyday online spending. It stands out with its focus on providing discounts across popular brands like BookMyShow, Blinkit, Zomato, and Paytm, along with rotating monthly offers. Additionally, it offers a 1% fuel surcharge waiver and is available in a RuPay variant, enabling UPI payments. This card is best suited for first-time users seeking value through brand-specific discounts on daily expenses rather than high reward rates or premium perks.

Who is it for?

The Flipkart Axis Bank Credit Card is an entry-level card designed for online shoppers, offering significant cashback on popular platforms like Flipkart, Myntra, and Cleartrip. It provides high reward rates on preferred partners such as Swiggy, Uber, and PVR, making it ideal for digital spending and daily online transactions. With cashback directly adjusted to the statement, it simplifies savings for users who frequently shop online and seek value on fashion, travel, and entertainment.

Pros

Key benefits and features.

Offers significant discounts on popular online platforms like Zomato, Blinkit, and BookMyShow.

Available in RuPay variant, enabling convenient UPI payments for daily transactions.

Provides a 1% fuel surcharge waiver, saving money on fuel expenses monthly.

Ideal for first-time credit card users to build credit history with essential benefits.

Includes exclusive dining discounts and limited-period offers on travel and shopping.

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.

Features a very low reward rate of just 0.10%, limiting overall earnings.

Does not offer premium benefits like airport lounge access or insurance coverage.

Reward points are not earned on essential spends like fuel, utilities, and rent.

High foreign currency markup of 3.50% makes international spends expensive.

High finance charges of 3.75% per month if balances are not paid in full.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Neo Credit Card(opens in new tab)Apply for Flipkart Axis Bank Credit Card(opens in new tab)