Airtel Axis Bank Credit Card Vs Flipkart Axis Bank Credit Card
Last Updated : April 17, 2025, 6:17 p.m.
The Airtel Axis Bank Credit Card and the Flipkart Axis Bank Credit Card are two popular cards provided by the reputed lender, Axis. Both cards possess their own set of benefits, cashback offers, and special perks. This comparison will enable consumers to comprehend which card might be better aligned to their lifestyle and spending patterns. After determining which card is most aligned to your preferences, do a free CIBIL score check on Wishfin’s portal to check if you are fulfilling the credit score criterion set by the lender.
Comparing the Features of the Airtel Axis Bank Credit Card and the Flipkart Axis Bank Credit Card
The Airtel Axis Bank Credit Card is designed primarily for Airtel customers and those who frequently use utility services. It offers considerable cashback on Airtel bill payments and other utility expenses.
The Flipkart Axis Bank Credit Card is tailored for online shoppers, particularly those who frequently purchase from Flipkart and its partner platforms. It offers enhanced rewards for e-commerce transactions.
Detailed Comparison
Cashback Benefits
- The Airtel Axis Bank Credit Card offers a cashback of 25% on Airtel mobile, Wi-Fi, broadband, and DTH bill payments via the Airtel Thanks app (Capped at Rs. 250 per statement cycle). It also provides 10% cashback on utility bill payments such as gas and electricity through the Airtel Thanks app (Capped at Rs. 250 per statement cycle), and 10% cashback on Swiggy, Zomato, and BigBasket purchases. For all other spends, cardholders earn 1% cashback.
- In contrast, the Flipkart Axis Bank Credit Card provides an unlimited cashback of 5% on Flipkart, Myntra, and 2GUD purchases. It provides an unlimited cashback of 4% on preferred merchants including PVR, MakeMyTrip, Goibibo, Uber, and CultFit. For all other merchants, cardholders receive 1.5% unlimited cashback.
Welcome Benefits
The Airtel Axis Bank Credit Card offers an Amazon e-voucher worth Rs. 500 on the first transaction made within 30 days of card issuance. The Flipkart Axis Bank Credit Card provides welcome benefits worth Rs. 600 on activating the card. A Flipkart gift voucher worth Rs. 500 can be received upon completion of the first transaction at any merchant with the card (with no minimum spend required).
Annual Fees and Waivers
The Airtel Axis Bank Credit Card has a first-year annual fee of Rs. 500, with the second-year annual fee reversed on spending Rs. 2,00,000 or more in the first year. The Flipkart Axis Bank Credit Card has a joining or renewal fee of Rs. 500, which is reversed in subsequent years if the cardholder spends more than Rs. 3,50,000 in the previous year.
Airport Lounge Access
Both cards offer 4 complimentary domestic airport lounge visits per calendar year. For both the cards, the minimum spending criteria to avail airport lounge access is Rs. 50,000 within the previous three calendar months
Fuel Surcharge Waiver
Both cards provide a 1% fuel surcharge waiver for fuel purchases across all fuel stations in India. This benefit is applicable for transactions between Rs. 400 and Rs. 4,000, with a maximum waiver of Rs. 500 per statement cycle or month.
Dining Benefits
Both the credit cards provide 15% off at partner restaurants. The Airtel Axis Bank credit card provides a cashback of 10% on Swiggy, Zomato, and BigBasket orders. The Flipkart Axis Bank credit card provides 30% off on Swiggy orders, up to Rs. 150 per month.
Comparison
| Feature | Airtel Axis Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
Annual Fee | Rs. 500 (Waived off in 2nd year if spends exceeds Rs. 2,00,000) | Rs. 500 (Reversed if annual spending is more than Rs. 3,50,000) |
Cashback benefits |
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1)MakeMyTri 2) Uber 3) GoIbibo 4)PVR 5)Cult.Fit |
Welcome Benefits | Amazon e-voucher worth Rs. 500 on first transaction |
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Airport lounge access | 4 visits per year (Minimum spends of Rs. 50,000 in the previous 3 months) | 4 visits per year (Minimum spends of Rs. 50,000 in the previous 3 months) |
Fuel Surcharge Waiver | 1% (transactions between Rs. 400 - Rs. 4,000, Up to a maximum of Rs. 500 per month) | 1% (transactions between Rs. 400 - Rs. 4,000, Up to a maximum of Rs. 500 per month) |
Dining Benefits |
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EMI Benefits | Convert transactions above Rs. 2,500 into EMIs | No-cost EMI on Flipkart for transactions above Rs. 2,500 |
Best For |
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Choose the Airtel Axis Bank Credit Card if:
- You are a regular Airtel customer with multiple services
- You frequently pay utility bills and order food online
- You want higher cashback on everyday essential services
Choose the Flipkart Axis Bank Credit Card if:
- You shop frequently on Flipkart, Myntra, or other e-commerce platforms
- You travel often and book through platforms like MakeMyTrip or Goibibo
- You want a slightly higher base cashback rate (1.5%) on all other purchases
Both cards offer competitive benefits in their respective niches, making them valuable additions to your wallet depending on where you spend the most.
Frequently Asked Questions (FAQs)
