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Comparison · हिन्दी

Amazon Pay ICICI vs Axis Flipkart

Both cards compared on real rupee returns for online shopping cashback. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
ICICI
AMAZON PAY ICI
ASHOK KUMAR
VS
AXIS
AXIS FLIPKART
ASHOK KUMAR
Our verdict
Axis Flipkart Credit Card wins for most people
Card B wins with ₹5,260 annual benefits versus Card A's ₹2,160, delivering 143% more value. Despite a ₹500 fee, its higher cashback rates on shopping and broader merchant coverage make it superior for this spend profile.
Side-by-side comparison
Amazon Pay ICICI Credit Card Axis Flipkart Credit Card ✓
Annual benefit ₹2,160 ₹5,260
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹500 + taxes (waived on ₹2L annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon 5% cashback on Flipkart and Myntra; 4% on preferred merchants; 1.5% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No 4 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.99% 3.5%
Best for Amazon Prime members Flipkart and Myntra shoppers
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Amazon Pay ICICI Credit Card
Choose Card A if you're exclusively shopping on Amazon as a Prime member and want zero annual fees. It's ideal for Amazon-only users who value simplicity and fee-free benefits.
Axis Flipkart Credit Card
Choose Card B if you shop across multiple platforms, especially Flipkart and Myntra. Its 5% cashback on these platforms combined with 4% on preferred merchants maximizes returns despite the annual fee.
Who should get which card
Get Amazon Pay ICICI if you…
· Dedicated Amazon Prime member with majority shopping on Amazon
· Prefer lifetime free card with no annual fee obligations
· Don't want to meet minimum spending requirements
Get Axis Flipkart if you…
· Shop on Flipkart, Myntra, and partner merchants regularly
· Annual ₹2L spending easily waives the ₹500 fee (₹10K/month meets this)
· Seek maximum cashback across diverse shopping platforms
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Axis Flipkart Credit Card offers better annual returns for most spend profiles.
Amazon Pay ICICI Credit Card has an annual fee of Lifetime free. Axis Flipkart Credit Card has an annual fee of ₹500 + taxes (waived on ₹2L annual spend).
Amazon Pay ICICI Credit Card offers 5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon. Axis Flipkart Credit Card offers 5% cashback on Flipkart and Myntra; 4% on preferred merchants; 1.5% on others.
Amazon Pay ICICI Credit Card lounge access: No. Axis Flipkart Credit Card lounge access: 4 visits/year (domestic).
Amazon Pay ICICI Credit Card charges 1.99% forex markup. Axis Flipkart Credit Card charges 3.5% forex markup.