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Flipkart Axis Bank Credit Card VS ICICI Bank Coral 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: 17 July 2026

Both charge the same ₹500 + GST fee but reward differently. Flipkart Axis Bank earns direct cashback - 4% on Swiggy, 15% off at 10,000+ partner restaurants, plus strong Flipkart/Myntra shopping cashback. ICICI Bank Coral earns Reward Points instead, with a 15% dining discount via Culinary Treats and both domestic airport and railway lounge access on qualifying spend. If your dining and shopping habits lean toward Flipkart's ecosystem (Swiggy, Myntra, Flipkart itself), that card's direct cashback is simpler; if you want dining discounts plus lounge access at the same fee, Coral adds more categories.

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Spend Based WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.

Rewards & Benefits

Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Welcome Bonus
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil / No.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Domestic Lounge Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
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 Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver at HPCL stations 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 BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Cash Advance Charges2.5% or a minimum of ₹500, whichever is higher.
Apply Now(opens in new tab)
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Flipkart Axis Bank Credit Card

ICICI Bank Coral 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 ICICI Bank Coral Credit Card is a popular entry-level offering providing exclusive rewards and offers across dining, entertainment, and travel. Cardholders can earn up to 2 Reward Points per ₹100 spent and benefit from complimentary domestic airport and railway lounge access quarterly. It's an excellent choice for individuals who frequently spend on movies and dining, offering significant savings and milestone benefits. The card also features a 1% fuel surcharge waiver and an annual fee waiver based on spending, making it a well-rounded option for everyday use.

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 valuable complimentary railway lounge access without any spend criteria.

Provides significant savings on movie tickets with up to 25% discount twice monthly.

Attractive milestone benefits allow earning up to 10,000 bonus Reward Points annually.

Includes a 1% fuel surcharge waiver and exclusive dining discounts at partner restaurants.

Annual fee can be easily waived by meeting a reasonable spend threshold of ₹1.5 lakh.

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.

Lounge access and movie benefits are subject to specific quarterly spend conditions.

The card does not offer any welcome benefits for new cardholders.

Rewards redemption incurs a fee of ₹99 + GST, reducing overall value.

High foreign currency markup of 3.5% makes international spends less rewarding.

Movie cashback offers on the Amex variant have been revoked from Jan 2025.

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 ICICI Bank Coral Credit Card(opens in new tab)