Axis Flipkart Credit Card vs Amazon Pay ICICI Credit Card
Last updated: 2026-04-05· By PointsWallah Editorial
Our Verdict
This is the Amazon vs Flipkart battle in credit card form. If you spend more on Amazon, the ICICI Amazon Pay card (5% with Prime, lifetime free) is the clear winner. If Flipkart is your primary platform, the Axis Flipkart card (5% uncapped on Flipkart) wins. The smart play: get both — they're both low/no fee cards. Use each on its respective platform, and carry the Axis ACE or IDFC Classic for everything else.
| Feature | Axis Flipkart Credit Card | Amazon Pay ICICI Credit Card |
|---|---|---|
| Bank | Axis Bank | ICICI Bank |
| Network | Visa | Visa |
| Annual Fee | ₹500 | FREE |
| Fee Waiver | Spend 2L in a year (or first year fee often waived) | Lifetime free |
| Income Required | ₹3L/year | ₹3L/year |
| Base Reward Rate | 1.5 Cashback/₹100 | 1 Balance/₹100 |
| Lounge Access | 4 domestic, 0 intl | None |
| Fuel Surcharge Waiver | Yes | Yes |
Reward Rates Compared
Axis Flipkart Credit Card
Cashback
- Flipkart5x
- Preferred partners (Swiggy, PVR, Uber, etc.)4x
- All other spends1.5x
Amazon Pay ICICI Credit Card
Amazon Pay Balance
- Amazon (Prime members)5x
- Amazon (non-Prime)3x
- Amazon Pay partner merchants2x
- All other spends1x
Our Analysis
Axis Flipkart Credit Card
If you're a Flipkart-first shopper, this card is a no-brainer. The 5% uncapped cashback means there's no limit to how much you can earn on Flipkart purchases — during Big Billion Days, heavy shoppers can earn thousands in cashback. The 4% on Swiggy and PVR is a nice bonus. The question is whether you're a Flipkart loyalist or an Amazon loyalist — if the latter, look at the Amazon Pay ICICI card instead. For most people who shop across both platforms, this card + Amazon Pay ICICI as a 2-card setup covers both sides perfectly.
Amazon Pay ICICI Credit Card
This is the single most no-brainer credit card in India. It's lifetime free, gives you 5% back on Amazon (if you have Prime), and is incredibly easy to get approved for. The catch is that the cashback comes as Amazon Pay balance — which is fine if you shop on Amazon regularly, but can't be transferred to your bank account. The 1% base rate on everything else is underwhelming, which is why this should be your Amazon-only card, paired with something like the Axis ACE (2% flat) for everything else. If you don't have this card yet, you're literally leaving money on the table every time you shop on Amazon.
Pros & Cons
Axis Flipkart Credit Card
Pros
- + 5% uncapped cashback on Flipkart — best card for Flipkart shoppers
- + 4% on preferred partners (Swiggy, PVR, Uber)
- + Low 500 annual fee with easy waiver
- + No income documentation needed if applying through Flipkart
Cons
- - 1.5% base cashback is below average for premium cards
- - Cashback is credited as statement credit — not as flexible as reward points
- - Only 4 domestic lounge visits, no international
- - Flipkart co-brand means card value drops if you shift to Amazon
Amazon Pay ICICI Credit Card
Pros
- + Lifetime free — zero annual and joining fee
- + 5% back on Amazon for Prime members — best Amazon card in India
- + Cashback as Amazon Pay balance — instantly usable
- + Easy approval — one of the easiest cards to get in India
Cons
- - 1% base rate on non-Amazon spends is low
- - Cashback is Amazon Pay balance, not statement credit or bank transfer
- - No lounge access
- - No milestone benefits or premium perks
Who Should Pick What?
Pick Axis Flipkart Credit Card if you:
- • flipkart shoppers
- • swiggy pvr users
Pick Amazon Pay ICICI Credit Card if you:
- • amazon shoppers
- • prime members
- • zero fee seekers
Frequently Asked Questions
Is Axis Flipkart Credit Card better than Amazon Pay ICICI Credit Card?
This is the Amazon vs Flipkart battle in credit card form. If you spend more on Amazon, the ICICI Amazon Pay card (5% with Prime, lifetime free) is the clear winner. If Flipkart is your primary platform, the Axis Flipkart card (5% uncapped on Flipkart) wins. The smart play: get both — they're both low/no fee cards. Use each on its respective platform, and carry the Axis ACE or IDFC Classic for everything else.
What is the annual fee difference between Axis Flipkart Credit Card and Amazon Pay ICICI Credit Card?
Axis Flipkart Credit Card has an annual fee of ₹500 (waiver: Spend 2L in a year (or first year fee often waived)). Amazon Pay ICICI Credit Card has an annual fee of ₹0 (waiver: Lifetime free).
Which card has better lounge access — Axis Flipkart Credit Card or Amazon Pay ICICI Credit Card?
See the detailed comparison below for lounge access details.
Disclaimer:This comparison is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on the respective bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial recommendations.