Skip to main content

CheQ AU 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.
Verified
Last updated: 17 July 2026

Both CheQ AU Credit Card and Flipkart Axis Bank Credit Card suit different spenders, but they earn and cost differently. CheQ AU Credit Card is lifetime-free and earns up to 12 percent on select brands; 5 percent on other online spends; 2.5 percent on CheQ UPI; 1 percent on all other transactions. Flipkart Axis Bank Credit Card costs Rs 500 + GST (waivable on Rs 3.5L) and earns 7.5 percent on Myntra; 5 percent on Flipkart/Cleartrip; 4 percent on Swiggy/Uber/PVR and 1 percent on other spends. CheQ AU Credit Card also brings Indias first LED card with dual Visa + RuPay issuance, while Flipkart Axis Bank Credit Card counters with its own niche benefits. Compare the fee and reward differences above against your priority spend category - shopping, dining, fuel, or travel - to pick the right fit.

CheQ AU Credit Card
CheQ AU Credit Card
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeFree (1st year)
Renewal FeeLifetime Free
Renewal Fee₹500 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Foreign Transaction Fees3.49% on all foreign currency transactions.
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.75% per month (45% per annum) on revolving credit and cash advances.
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.

Rewards & Benefits

Welcome BonusThe card is marketed as Lifetime FREE, meaning no joining fee and no annual fee for the standard variant. An optional upgrade to the LED Credit Card incurs a one-time issuance fee of ₹999 + GST
Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Rewards RateUp to 12% on select brands; 5% on other online spends; 2.5% on CheQ UPI; 1% on all other transactions.
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 FeeNo rewards redemption fee.
Reward Redemption FeeNil / No.

Travel & Lifestyle

Domestic Lounge AccessNot available on the CheQ AU Credit Card.
Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge AccessNot available on the CheQ AU Credit Card.
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Travel BenefitsEarn 12% rewards on CheQ Travel (flights & hotels) and 5% on other travel spends. Redeem points for flights/hotels.
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Movie Benefits
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Dining Benefits
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 up to ₹150 on fuel spends.
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, or ₹500, whichever is higher.
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

CheQ AU Credit Card

Flipkart Axis Bank Credit Card

Who is it for?

The CheQ AU Credit Card is India’s first LED-enabled credit card, offering a unique visual experience and strong rewards. It provides up to 12% rewards on popular brands, 2.5% on CheQ UPI, and 1% on other spends. Marketed as lifetime free for the standard variant, it also offers the convenience of two cards (Visa LED and RuPay) with a single application. This card is ideal for those seeking high reward rates, unique features, and convenient digital banking for everyday online shopping, food delivery, travel, and utility payments.

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.

India's first LED-enabled credit card offers a unique and visually engaging payment experience.

High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.

Lifetime free for the standard variant, making it an attractive option with no annual fees.

Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.

Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.

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.

Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.

Rewards are not applicable on several categories like fuel, education, gold, and rent payments.

Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.

Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.

No domestic or international airport lounge access on this card.

Applications for the LED card open only from April 28, 2026, indicating a future availability.

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 CheQ AU Credit Card(opens in new tab)Apply for Flipkart Axis Bank Credit Card(opens in new tab)