Flipkart Axis Bank Credit Card VS Axis Bank Magnus Credit Card VS Axis Bank Platinum Credit Card VS Axis Bank Cashback Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Flipkart Axis Bank Credit Card
Axis Bank Magnus Credit Card
Axis Bank Platinum Credit Card
Axis Bank Cashback 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.
Earn 2x Edge Reward Points on all international transactions, maximizing global spends.
Enjoy 25% cashback on movie tickets and 15% dining discounts at partner restaurants.
Benefit from spend-based waivers on both joining and annual fees, reducing costs.
Enhanced security with EMV certified chip and PIN protection for safer transactions.
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.
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 has been discontinued, limiting new applications and future benefits.
Lacks premium benefits like airport lounge access, golf privileges, or comprehensive insurance.
No reward points are earned on movie or fuel transactions, limiting earning potential.
High foreign currency markup of 3.5% makes international spending expensive.
Interest rates are quite high, reaching up to 55.55% per annum on retail purchases.
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.