Amazon Pay ICICI Credit Card vs Flipkart Axis Credit Card
Last Updated : March 4, 2025, 5:54 p.m.
The Flipkart Axis and Amazon Pay ICICI are co-branded with two of India’s largest e-commerce platforms, Flipkart and Amazon respectively. Each card is unique and has its own set of pros and cons. Now let us compare both the credit cards in this article titled, Amazon Pay ICICI Credit Card Vs Flipkart Axis Credit Card to understand them better.
Comparison of Amazon Pay ICICI Bank Credit Card and Flipkart Axis Bank Credit Card
| Parameter | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
|---|---|---|
Joining fee |
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Annual fee |
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Welcome benefits |
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Airport Lounge Access |
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Cashback |
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Dining |
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Movie tickets |
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Fuel surcharge waiver |
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EMI options |
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Annual fee waiver |
| NA |
Other special features | Wednesday special:
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Users can earn 2% cashback on recharges and bill payments made through Amazon. This includes
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Mode of cashback credit |
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After comparing both the cards based on various factors like fees, rewards, welcome benefits, lounge access, etc., you can understand which card is most suited for you according to your lifestyle and spending patterns. Then, you can opt for one to apply. The CIBIL score is a very important eligibility criteria that you must check before applying for the card. A high CIBIL score leads to easy approval of your credit card while a low CIBIL score is most likely to lead to rejection. Hence, it is important to check it to know where you stand. You can easily do a free CIBIL score check on Wishfin. You can also view your detailed CIBIL report using your CIBIL score login credentials.
Amazon Pay ICICI Vs Flipkart Axis- Pros
Let us now list some of the pros of both the cards separately.
Flipkart Axis
- The card offers the same percentage of cashback for all the users.
- Unlimited rewards.
- Benefits across other categories like dining, entertainment, lifestyle, and especially travel.
Amazon Pay ICICI
- Multiple partner merchants
- Inclusion of bill payments, wallet reloads in the cashback program.
- Unlimited rewards.
Amazon Pay ICICI Vs Flipkart Axis- Disadvantages
Let us now list some of the cons of both the cards separately.
Flipkart Axis
- Only 1.5% of cashback on non partner purchases are eligible for cashback
- Only 1.5% of cashback on Myntra after devaluation is eligible for cashback
- A very high annual fee waiver criteria of Rs. 3,50,000 in the previous year.
- No cashback for purchases of fuel and wallets.
- Lounge access is only available in metro areas, and it is based on spends.
- There are no benefits on utility bill payments.
- Flipkart Plus/Premium members will not get any additional benefits.
Amazon Pay ICICI
- No benefits on travel.
- Not ideal for international travel as foreign currency mark up fee is high (3.5%)
- Low cashback rate for individuals who are not members of Amazon Prime
- Prime membership is offered only for three months and it is not complimentary.
- No airport lounge access benefits
- No welcome benefits.
Eligibility Criteria for both the Credit Cards
| Parameter | Flipkart Axis Bank Credit Card | Amazon Pay ICICI Bank Credit Card |
|---|---|---|
Age | 18 to 70 years | 18 to 60 years |
Occupation | Salaried or self-employed | Salaried or self-employed |
Citizenship | Resident Indian or Non resident Indian | |
Income | The minimum monthly income for salaried applicants is Rs. 15,000 and Rs. 30,000 for self-employed applicants. | Rs. 25,000 for ICICI customers and Rs. 35,000 for other applicants. |
Which Card to Choose?
So, when it comes to Amazon Pay ICICI Credit Card Vs Flipkart Axis Credit Card, which one is the better choice? Well!, the card that you are going to choose depends on your shopping preferences, lifestyle, and your brand loyalties.
If you are looking for a card that offers benefits not only across Flipkart but also other online portals, then the Flipkart Axis Bank credit card is a better choice. It is ideal for those looking for wider cashback opportunities as it offers cashback on other categories like dining, movies, commuting, fitness. For those who are looking for benefits both on online shopping and traveling, this card is a better choice as it offers cashback on Flipkart and Cleartrip, airport lounge access, etc. On the other hand, if you are an Amazon Shopaholic, especially a prime member, and tend to shop mostly on Amazon, then the Amazon Pay ICICI credit card may be the best option for you. The card offers a 5% cashback for Amazon Prime members and a 3% cashback for non prime members, which is considerably lower. Then, again the card scores over Flipkart Axis in the area of Utility bill payments and wallet recharges. Let us now summarize the points as below:
Choose the Flipkart Axis Credit Card if
- You prefer Cleartrip for travel bookings.
- You want cashback benefits on multiple popular brands and categories.
- If you are a Flipkart shopping enthusiast.
- If you think that complimentary airport lounge access is valuable.
- If an annual fee of Rs. 500 fits into your budget and if you feel that you can spend more than 3.5 lakhs per year.
Choose the Amazon Pay ICICI Credit Card if
- If you are a member of Amazon Prime or are planning to become one
- If you are frequently using Amazon for bill payments and recharges
- If you do not need airport lounge access.
- If you need a lifetime free credit card
- If you want a higher cashback percentage on Amazon and utility payments.
- If you want to accrue cashback on Amazon wallets as well.
Conclusion
Now it would be easy for you to choose a credit card because you know all the major differences between Amazon Pay ICICI Credit Card vs Flipkart Axis Credit Card. Both credit cards have unique features and they can be used on different websites. If you are loyal to Amazon and prefer it for shopping then you must apply for the ICICI Amazon Pay Credit Card. On the other hand, frequent users of Flipkart can apply for the Axis Bank Flipkart Credit Card to enjoy great offers and discounts.
Frequently Asked Questions (FAQs)
