Skip to main content

Flipkart Axis Bank Credit Card VS RBL Bank Novio 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.
Verified
Last updated: 18 July 2026

Both Flipkart Axis Bank Credit Card and RBL Bank Novio Credit Card suit shopping-focused spenders, but they earn and cost differently. Flipkart Axis Bank Credit Card costs ₹500 + GST and earns 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others. RBL Bank Novio Credit Card costs ₹500 + GST and earns 2 Reward Points for every ₹100 spent on all online transactions. Earn 1 Reward Point for every ₹100 spent on all other (offline) transactions. Flipkart Axis Bank Credit Card also brings Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount, while RBL Bank Novio Credit Card counters with receive 2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
RBL Bank Novio Credit Card
RBL Bank Novio 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 Waiver
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)3.99% per month (47.88% annually)

Rewards & Benefits

Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Welcome BonusReceive 2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance.
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 for all online spends; 1 Reward Point per ₹100 for offline spends.
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 Access
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 Benefits
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% or ₹10, whichever is higher

Security & Other

Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Insurance Benefits
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Cash Advance Charges2.5% of Cash Amount (minimum ₹500)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Flipkart Axis Bank Credit Card

RBL Bank Novio 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 RBL Bank Novio Credit Card is an affordable and budget-friendly option, particularly suitable for first-time credit card users. Operating on the RuPay Select network, it offers enhanced rewards for online transactions and provides convenient UPI payment support. It comes with a generous welcome bonus and valuable milestone rewards, making it an excellent choice for earning rewards on regular domestic 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.

The RBL Bank Novio Credit Card offers 2x rewards on all online spending.

Cardholders can earn valuable annual milestone benefits for bonus points.

It is a budget-friendly credit card option with a low annual fee.

The RBL Bank Novio Credit Card supports UPI payments for added convenience.

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 RBL Bank Novio Credit Card lacks additional lifestyle perks or discounts.

Limited international acceptance compared to major networks like Visa or MasterCard.

A rewards redemption fee of ₹99 + GST is applicable, reducing the net value of points.

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)