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Flipkart Axis Bank Credit Card VS Axis Bank Cashback Credit Card VS Axis Bank ACE Credit Card VS Axis Bank Freecharge Credit Card

A detailed, side-by-side look at 4 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
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
Axis Bank Cashback Credit Card
Axis Bank Cashback Credit Card
Axis Bank ACE Credit Card
Axis Bank ACE Credit Card
Axis Bank Freecharge Credit Card
Axis Bank Freecharge Credit Card

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹1,000 + GST
Joining Fee₹499 + GST
Joining Fee₹250 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹499 + GST
Renewal Fee₹250 + GST
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Spend Based WaiverAnnual fee waiver on spends of ₹4,00,000 and above in an anniversary year.
Spend Based WaiverJoining fee waived on ₹10,000 spend in 45 days. Annual fee waived on ₹2,00,000 annual spend.
Spend Based WaiverAnnual fee waived off on spending ₹50,000 or more in the previous year/anniversary year.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.50% of the transaction value
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transacted amount.
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)3.75% per month (55.55% Annual)
Interest Rate (APR)3.75% per month or 55.55% annualized on retail purchases and cash.
Interest Rate (APR)3.6% per month.

Rewards & Benefits

Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Welcome BonusEnjoy 5,000 EDGE Reward Points worth ₹1,000 upon making the first transaction within 30 days.
Welcome Bonus
Welcome BonusWelcome gift vouchers worth up to ₹700.
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Rewards RateUp to 7% cashback on online spends; unlimited 0.75% on offline & travel; 0.5% on utilities.
Rewards RateEarn 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Rewards Rate5% cashback on Freecharge app spends; 1% cashback on all other spends.
Reward TypeCashback
Reward TypeCashback
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward Redemption FeeNil / No.
Reward Redemption Fee
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Domestic Lounge Access
Domestic Lounge Access4 complimentary airport lounge visits to select domestic airport lounges per calendar year.
Domestic Lounge Access
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Travel BenefitsUnlimited 0.75% cashback on travel-related spends.
Travel Benefits
Travel BenefitsUp to ₹100 credit every month on Shuttl; Up to ₹150 off every month on Shuttl.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Movie Benefits
Movie Benefits
Movie Benefits50% off on an annual subscription on Eros Now.
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Dining BenefitsInstant discount of 25% up to ₹800 on EazyDiner once every month.
Dining BenefitsUp to 15% discount on dining bills at over 4,000 partner restaurants under Dining Delights.
Dining BenefitsUp to ₹100 credit every month on the Fresh menu.
Golf Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.
Fuel Surcharge Waiver1% of transaction amount (refund not applicable). No fuel surcharge waiver.
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹4,000, max ₹500 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000.

Security & Other

Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Insurance Benefits
Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Cash Advance Charges2.5% of the cash amount (Minimum ₹500)
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
Cash Advance Charges3.5% of amount withdrawn or ₹250 (whichever is higher).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Flipkart Axis Bank Credit Card

Axis Bank Cashback Credit Card

Axis Bank ACE Credit Card

Axis Bank Freecharge Credit Card

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.

Who is it for?

The Axis Bank Cashback Credit Card is a mid-range offering designed for individuals who prioritize straightforward cashback benefits, especially on online and everyday spending. It provides up to 7% cashback on online transactions and an unlimited 0.75% on offline and travel expenditures. With automatic cashback redemption and flexible eligibility, it's a hassle-free option for savvy shoppers looking to maximize savings.

Who is it for?

The Axis Bank ACE Credit Card, in partnership with Google Pay and Visa, is an entry-level cashback card ideal for young professionals. It offers high cashback on utility bills and mobile recharges via Google Pay, and on platforms like Swiggy, Zomato, and Ola. Cardholders also enjoy complimentary domestic airport lounge access, making it a versatile everyday companion for accelerated rewards.

Who is it for?

The Axis Bank Freecharge Credit Card was an entry-level card designed for frequent Freecharge app users, offering 5% cashback on Freecharge spends and 1% on others. Despite its discontinuation, it was valued for its low fees and decent benefits, particularly for utility bill payments and mobile recharges. It provided an instant virtual card and exclusive rewards, making it suitable for individuals seeking affordable benefits focused on digital transactions.

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.

Pros

Key benefits and features.

Offers unlimited 0.75% cashback on all offline and travel spending.

Provides high cashback rates of up to 7% on online purchases.

Flexible eligibility criteria make this card accessible to many applicants.

Automatic cashback redemption process simplifies rewards management.

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.

Enjoy low joining and annual fees, making it an affordable credit card option.

Offers decent benefits, especially for frequent users of the Freecharge app.

Earn exclusive Edge Reward Points with a wide variety of redemption options.

Get an instant virtual credit card via the Freecharge app, with physical card option.

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.

Cons

Key drawbacks and limitations.

The card does not offer a fuel surcharge waiver.

The spend threshold for the annual fee waiver is set quite high at ₹4 lakh.

Lacks premium features like complimentary airport lounge access or golf benefits.

Various transaction fees apply for rent, wallet load, fuel, education, and utilities.

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.

The card's benefits are not as diverse compared to other credit cards in the market.

Lacks complimentary airport lounge access, both domestic and international.

This credit card has been discontinued, limiting new applications.

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 Flipkart Axis Bank Credit Card(opens in new tab)Apply for Axis Bank Cashback Credit Card(opens in new tab)Apply for Axis Bank ACE Credit Card(opens in new tab)Apply for Axis Bank Freecharge Credit Card(opens in new tab)