Flipkart Axis Bank Credit Card VS Axis Bank Magnus Credit Card VS Axis Bank Cashback Credit Card VS Axis Bank Horizon Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Flipkart Axis Bank Credit Card
Axis Bank Magnus Credit Card
Axis Bank Cashback Credit Card
Axis Bank Horizon Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Unlimited international and domestic lounge access for primary and add-on cardholders.
Reduced foreign currency markup fee of 2% makes international spends more economical.
Comprehensive insurance benefits including Credit Shield cover and purchase protection.
Lifetime Free option for eligible Axis Bank Burgundy Salary Account holders.
The Burgundy variant offers an improved 5:4 reward point transfer ratio for travel.
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.
Accelerated EDGE Miles on travel bookings, offering a high reward rate for frequent flyers.
Complimentary access to both domestic and international airport lounges for comfortable travel.
Valuable welcome benefits of 5,000 EDGE Miles on initial spends, boosting your rewards.
Attractive dining discounts via Eazydiner and the Axis Bank Dining Delights Program.
Flexible reward redemption options, including transfers to various airline and hotel partners.
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.
High annual income requirement of ₹24 Lakhs makes it inaccessible for many applicants.
No golf benefits are explicitly listed in the main product details, unlike other premium cards.
Several benefits like movie BOGO offers and concierge services have been removed recently.
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 spend-based annual fee waiver, requiring consistent payment of the ₹3,000 + GST fee.
High foreign currency markup of 3.5% on international non-DCC transactions.
Several spend categories like fuel, utilities, and rent are excluded from earning EDGE Miles.
High interest rate of 3.75% monthly (55.55% annually) on outstanding balances.