Flipkart Axis Bank Credit Card vs Freecharge Axis Bank Credit Card
Last Updated : March 27, 2025, 3:30 p.m.
Choosing the right credit card can be really challenging, especially when it comes to maximizing savings on shopping, dining, and everyday expenses. The Flipkart Axis Bank Credit Card and Axis Bank Freecharge Plus Credit Card cater to different spending habits, offering unique benefits and rewards. While the Flipkart Axis Bank Credit Card is designed for avid online shoppers with lucrative cashback on Flipkart and partner merchants, the Axis Bank Freecharge Plus Credit Card focuses on digital transactions and wallet benefits. In this comparison, we break down their features, benefits, rewards, fees, and eligibility criteria to help you determine which card suits your needs best. Before you apply for a credit card, check your CIBIL score online for free on Wishfin as your credit score is an important eligibility criteria.
Comparing the features of the Flipkart Axis Bank Credit Card and Axis Bank Freecharge Plus Credit Card
| Parameter | Flipkart Axis Bank Credit Card | Axis Bank Freecharge Plus Credit Card |
|---|---|---|
Joining Fee | Rs. 500 | Rs. 350 |
Annual Fee | 2nd year onwards: Rs. 500 | 1st year: Nil Second year: Rs. 350 |
Annual fee waiver | Waived off on spending more than Rs. 3,50,000 in the previous year. | Waived on spends of Rs. 50,000 in the previous year. |
Welcome Benefits |
| Gift voucher worth Rs. 700 is provided as a welcome benefit on activating the card and conducting the first transaction within 30 days from the date of issuance. It includes an Uber gift voucher worth Rs. 350 plus a BookMyShow gift voucher worth Rs.350 |
Cashback offers |
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Reward redemption | Cashback is automatically credited to the cardholder’s account. | Cashback is automatically credited to the cardholder’s account. |
Complimentary lounge access | 4 complimentary domestic lounge visits per year on minimum spends of INR 50,000 in the previous 3 months. | Not available |
Fuel Surcharge Waiver | Enjoy a surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 4,000. | NA |
Dining Benefits | 20% discount at partner restaurants through Axis Bank's Dining Delights program | Get the best dining experience with a discount of Rs. 500 and more via the Axis Bank Dining Delights program with EazyDiner. |
Comparing the Cards Based on Fees and Eligibility Criteria
| Parameter | Flipkart Axis Bank Credit Card | Axis Bank Freecharge Plus Credit Card |
|---|---|---|
Joining Fee | Rs. 500 | Rs. 350 |
Annual Fee | Rs. 500 (From 2nd year onwards) | Rs. 350 from the second year onwards |
Annual fee waiver | Waived on annual spends exceeding ₹3,50,000 (Excluding rent and wallet load transactions) | Waived on annual spends exceeding ₹50,000 (Excluding rent and wallet load transactions) |
Eligibility Criteria | Age: 18 to 70 years Residency: Resident or non resident Indian | Invite-only; eligibility determined via Freecharge App |
Additional fee |
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Which Card Should You Choose?
Both cards have their strengths, so choosing the card that best fits your spending pattern and lifestyle to maximize your rewards and savings is ideal. But, the Flipkart Axis Bank Credit Card offers broader benefits and higher cashback potential, making it a superior choice for most users. This card is an excellent choice if you shop frequently on Flipkart, Myntra, and Cleartrip. It offers a high 5% cashback on Flipkart and 4% on partner brands, making it a great option for frequent e-commerce shoppers. Additionally, it provides lounge access and fuel surcharge waivers, making it a well-rounded card for travelers and online shoppers alike.
So, who should choose the Flipkart Axis Bank credit card?
- Frequent Flipkart, Myntra, and Cleartrip shoppers.
- Those looking for lounge access.
- Users who prefer cashback on a variety of spending categories.
However, if Freecharge is your go-to payment platform, the Axis Bank Freecharge Plus Credit Card can still be a good option. If you regularly use Freecharge for bill payments, recharges, and transactions, this card offers valuable cashback. You get 5% cashback on Freecharge, 2% on local commutes, and 1% on all other spends. It also comes with a lower annual fee and a lower spending requirement for fee waivers.
Who Should Choose the Axis Bank Freecharge Plus Credit Card?
- Regular Freecharge users for bill payments and recharges.
- Those looking for a low-fee credit card.
- People who spend frequently on food delivery platforms.
Conclusion
You have seen all the possible differences between Flipkart Axis Bank Credit Card vs Freecharge Axis Bank Credit Card and now you can decide on a card for yourself. Both the credit cards have unique features and offer that will save some extra bucks and earn you a lot of reward points. So, it is up to you how you use your credit card and which card you choose for yourself.
Frequently Asked Questions (FAQs)
