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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.

Features

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
RBL Bank Novio Credit Card
RBL Bank Novio Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹500 + GST
Spend Based Waiver
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Not applicable
Foreign Transaction Fees
3.5% of transaction value; 1.5% for DCC.
3.5%
Interest Rate (APR)
3.75% per month (55.55% per annum).
3.99% per month (equivalent to 47.88% annually)

Rewards & Benefits

Welcome Bonus
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Receive 2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance.
Rewards Rate
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
Earn 2 Reward Points for every ₹100 spent on all online transactions. Earn 1 Reward Point for every ₹100 spent on all other (offline) transactions.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
No charges for cashback redemption.
₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Not offered as of 20th June 2025.
Not applicable
International Lounge Access
Not offered as of 20th June 2025.
Not applicable
Travel Benefits
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Not applicable
Movie Benefits
Unlimited 4% cashback on PVR movie ticket bookings.
Not applicable
Dining Benefits
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Not applicable
Golf Benefits
Not Applicable
Not applicable
Fuel Surcharge Waiver
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% or ₹10, whichever is higher

Security & Other

Insurance Benefits
None explicitly offered.
Not applicable
Cash Advance Charges
2.5% of amount (minimum Rs. 500).
2.5% of the cash amount, with a minimum charge of ₹500
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 excellent choice for online shoppers, providing significant cashback on Flipkart, Myntra, and Cleartrip. It also offers accelerated rewards on popular platforms like Swiggy, Uber, PVR, and cult.fit, making it versatile for various digital spends. Cardholders also enjoy dining benefits. The cashback is directly credited to the statement, ensuring straightforward value.

Who is it for?

The RBL Bank Novio Credit Card is an affordable RuPay Select card with a ₹500 + GST annual fee. It offers 2x rewards on online spending and milestone benefits, making it ideal for digital transactions and everyday use. With UPI compatibility, it's a great choice for first-time cardholders seeking simple rewards for domestic spending.

Pros

Key benefits and features.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

Pros

Key benefits and features.

Offers 2x rewards on online spending, making it highly beneficial for digital transactions.

Provides Annual Milestone Benefits, offering bonus points for reaching spending targets each year.

Positioned as an affordable option with a low annual fee, making it accessible for many users.

Compatibility with UPI and RuPay Select network enhances convenience for domestic use.

Cons

Key drawbacks and limitations.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

Cons

Key drawbacks and limitations.

Lacks additional Lifestyle Perks or Discounts, limiting broader utility for cardholders.

As a RuPay card, it may have limited international acceptance compared to major networks.

Rewards cannot be earned on fuel, education, insurance, and government services transactions.

A rewards redemption fee of ₹99 + GST is applicable when redeeming accumulated reward points.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.