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Flipkart Axis Bank Credit Card VS HDFC Bank Flipkart Wholesale 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: 21 July 2026
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
HDFC Bank Flipkart Wholesale Credit Card
HDFC Bank Flipkart Wholesale Credit Card

Fees & Charges

Joining FeeFree (1st year)
Joining FeeFree (1st year)
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Spend Based WaiverRenewal membership fee is waived off by spending ₹3,00,000 and above in the previous year.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% of the transaction amount for all international or cross-currency transactions.
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)
Revolving credit is available at a nominal interest rate.

Rewards & Benefits

Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Welcome Bonus₹500 CashBack per transaction on the first 3 purchases within 90 days of on-boarding. Minimum transaction of ₹2,000 each.
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Rewards RateEarn 5% cashback on Flipkart Wholesale, Telecom, Utility, Govt & Tax payments; 1% on other spends.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil / No.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Domestic Lounge AccessUnlimited access to 1000+ domestic lounges for primary and add-on card members.
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge Access
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Travel BenefitsUnlimited domestic airport lounge access to 1000+ lounges for primary and add-on card members.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Movie Benefits
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions (min ₹400), max ₹250 waiver per statement cycle.

Security & Other

Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Insurance BenefitsZero Liability on fraudulent transactions if reported immediately to HDFC Bank.
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Flipkart Axis Bank Credit Card

HDFC Bank Flipkart Wholesale 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 HDFC Bank Flipkart Wholesale Credit Card is a co-branded card tailored for Flipkart Wholesale customers and businesses. It offers significant cashback, including 5% on Flipkart Wholesale online spends and utility payments, alongside a 1% fuel surcharge waiver. Ideal for self-employed individuals with substantial business expenses, this card also provides unlimited domestic lounge access and zero liability protection, making it a strong choice for managing business finances efficiently.

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.

High 5% cashback on Flipkart Wholesale, utility, and government payments.

Unlimited domestic airport lounge access enhances travel for business users.

Zero liability protection offers security against unauthorized fraudulent transactions.

Enjoy up to 50 days of interest-free credit, providing significant financial flexibility.

No joining fee and a renewal fee easily waived with ₹3 lakh annual spend.

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.

Cashback benefits are subject to monthly caps, limiting savings for high spenders.

Additional fees apply to rent, education, and high-value fuel transactions.

A 3.5% foreign currency markup is relatively high for international transactions.

Strict eligibility criteria for self-employed with minimum ₹6 lakh ITR.

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 HDFC Bank Flipkart Wholesale Credit Card(opens in new tab)