Highlights
- Check out the major differences between Flipkart Axis Bank Credit Card and ICICI Platinum Chip Credit Card.
- Explore all the features and benefits of credit cards.
- Know the fees and other charges of both the cards.
In today's highly competitive credit card market, choosing the right financial companion can significantly impact your savings and lifestyle benefits. The Flipkart Axis Bank Credit Card and ICICI Platinum Chip Credit Card represent two distinct approaches to personal finance management, each tailored to specific consumer needs and spending patterns. The Flipkart Axis Bank Credit Card has established itself as a dynamic shopping tool with its splendid 5% unrestricted cashback on Flipkart and Cleartrip purchases and 4% on preferred merchants, the ICICI Platinum Chip Credit Card offers a more straightforward entry-level option with lifetime-free benefits and a simpler reward structure. The former appeals to digital-savvy consumers with frequent online shopping habits, while the latter serves as an excellent starting point for those new to credit. This comprehensive comparison will analyze both cards across key parameters including rewards, annual fees, airport privileges, fuel benefits, and overall value proposition to help you determine which card aligns best with your financial goals and lifestyle in 2025. After deciding which card to apply for, check your CIBIL score online for free on Wishfin to understand if you are fulfilling the credit score eligibility criteria set by the lender.
Comparing the features of the Flipkart Axis Bank Credit Card and ICICI Platinum Chip Credit Card
| Feature | Flipkart Axis Bank Credit Card |
ICICI Platinum Chip Credit Card |
|---|---|---|
|
Annual Fee |
Rs. 500 (Waived on meeting spending criteria) |
NIL (Lifetime free) |
|
Joining Fee |
Rs. 500 |
Nil |
|
Rewards Program |
|
|
|
Reward Redemption |
Direct credit in statement |
Redeemable against lifestyle products, travel, and movie vouchers |
|
Fuel Benefits |
1% fuel surcharge waiver (Rs. 400 -Rs. 4,000; max Rs. 400 per statement cycle) |
1% fuel surcharge waiver (Rs. 400 - Rs. 4,000) |
|
Dining Benefits |
15% off (up to Rs. 500) at 10,000+ partner restaurants with Axis Dining Delights & EazyDiner |
Dining discounts with ICICI Bank Culinary Treats Program |
|
Airport Lounge Access |
4 complimentary visits per calendar year (Minimum spends of Rs. 50,000 in previous 3 months) |
None |
|
Welcome Benefits |
Rs. 600 worth of activation benefits including Rs. 500 Flipkart voucher |
None |
|
EMI Options |
Available on Flipkart purchases and transactions over Rs. 1,500 |
Available |
|
Additional Benefits |
|
None mentioned. |
|
Card Type |
Chip-based with contactless technology |
Chip-based with contactless technology |
|
Interest Rate |
3.6% per month, which gets converted into 52.86% per annum |
3.75% per month (45% annualized) |
|
Target Audience |
Frequent online shoppers, especially on Flipkart |
First-time credit card users, credit-building |
Key Highlights
Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card is designed for frequent online shoppers, particularly those who regularly use Flipkart and its partner platforms. Its standout features include:
- High Cashback Rates: With 5% unlimited cashback on Flipkart and Cleartrip, this card offers excellent value for online shoppers.
- Airport Lounge Access: The card offers 4 free domestic airport lounge visits every year, a feature missing from the ICICI card.
- Welcome Benefits: New cardholders receive Rs. 600 worth of activation benefits including a Rs. 500 Flipkart voucher.
- Wednesday Delights: Special weekly offers providing added savings on flights, hotels, and food delivery services.
ICICI Platinum Chip Credit Card
The ICICI Platinum Chip Credit Card is a no-frills, lifetime-free entry-level credit card ideal for those beginning their credit journey:
- No Annual Fee: This card charges no joining or annual fee, making it a truly lifetime-free option.
- Simple Rewards Structure: Earn 2X rewards on retail purchases and rewards on utility bills and insurance payments.
- Beginner-Friendly: With relaxed eligibility criteria, it's suitable for first-time credit card users or those building their credit profile.
Which Card Should You Choose?
- Choose Flipkart Axis Bank Credit Card if: You're a frequent Flipkart shopper, enjoy traveling, and can maximize the 5% cashback on Flipkart and Cleartrip platforms. The additional benefits like airport lounge access and special weekly offers make this card worth the annual fee (which can be waived with sufficient spending).
- Choose ICICI Platinum Chip Credit Card if: You're new to credit cards, want a no-fee option to build your credit history, or prefer a simple card with basic rewards and no annual costs. This card is a low-risk, beginner-friendly choice with a straightforward rewards structure.
Both cards offer chip technology for enhanced security and contactless payment capabilities, making everyday transactions more convenient and secure. The right choice ultimately depends on your spending habits, lifestyle preferences, and whether you're willing to pay an annual fee for higher rewards and premium benefits.
FREQUENTLY ASKED QUESTIONS
1. What are the key differences between the Flipkart Axis Bank Credit Card and ICICI Platinum Chip Credit Card?
The main differences include welcome offers, cashback rates, and annual fees. The Flipkart Axis Bank card offers 5% cashback on Flipkart purchases and has a Rs. 500 joining fee, while the ICICI Platinum Chip Credit Card is lifetime free with no joining fee and offers reward points on purchases.
2. Do both the Flipkart Axis Bank Credit Card and the ICICI Platinum Chip Credit Card offer airport lounge visits?
The Flipkart Axis Bank Credit Card offers 4 complimentary accesses to domestic airport lounges in India per year. The ICICI Platinum Chip Credit Card does not offer any free airport lounge access.
3. Which card among the Flipkart Axis Bank Credit Card and the ICICI Platinum Chip credit card is better for fuel purchases?
Both the Flipkart Axis Bank credit card and the Axis Bank credit card offer a 1% fuel surcharge waiver, but the ICICI Platinum Chip Credit Card might be slightly better for those who frequently use HPCL fuel stations since PAYBACK points can be redeemed there.
4. Is there any way to waive the annual fee for the Flipkart Axis Bank Credit Card?
Yes, the renewal fee of Rs. 500 for the Flipkart Axis Bank Credit Card can be reversed if you spend Rs. 3.5 lakhs or more in a year.
5. What CIBIL score is required for the Flipkart Axis Bank credit card and the ICICI Platinum Chip Credit Card?
Both cards require a CIBIL score of 750 and above for approval.
