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Comparison · हिन्दी

Axis ACE vs Axis Flipkart

Both cards compared on real rupee returns for best Axis Bank credit card India flat cashback vs Flipkart cobrand. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AXIS
ACE
ASHOK KUMAR
VS
AXIS
ASHOK KUMAR
Our verdict
Axis Flipkart Credit Card wins for most people
Card B wins with ₹5,440 annual benefit versus Card A's ₹3,761. The Flipkart card's 5% cashback on shopping significantly outweighs Card A's utility bill focus for this spend profile.
Side-by-side comparison
Axis ACE Credit Card Axis Flipkart Credit Card ✓
Annual benefit ₹3,761 ₹5,440
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹2L annual spend) ₹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% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends 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 → 4 domestic visits/year (on ₹50,000/quarter spend) 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 → 3.5% 3.5%
Best for Utility bill payments and everyday flat cashback 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 → 700+ 700+
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Apply now ↗ Full review →
When each card wins
Axis ACE Credit Card
Choose Card A if you prioritize utility bill payments via Google Pay and prefer flat cashback across most categories. Better for those with minimal shopping needs.
Axis Flipkart Credit Card
Choose Card B if you shop frequently on Flipkart and Myntra. The 5% cashback on shopping (₹6,000/month) drives substantially higher rewards compared to Card A.
Who should get which card
Get Axis ACE if you…
· Utility bill payers using Google Pay regularly
· Those who dine out frequently (4% on Swiggy/Zomato)
· Prefer simple, flat cashback structure
Get Axis Flipkart if you…
· Regular Flipkart and Myntra shoppers
· Higher annual savings (₹1,679 more than Card A)
· Those with significant online shopping spends
· Both cards waive fees at ₹2L annual spend
Partner offer
YES Bank ACE Credit Card
Everyday online shoppers wanting a low-fee, easily-waived entry card with a straightforward tiered reward structure
Apply now →
YES
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.
Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend). Axis Flipkart Credit Card has an annual fee of ₹500 + taxes (waived on ₹2L annual spend).
Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends. Axis Flipkart Credit Card offers 5% cashback on Flipkart and Myntra; 4% on preferred merchants; 1.5% on others.
Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend). Axis Flipkart Credit Card lounge access: 4 visits/year (domestic).
Axis ACE Credit Card charges 3.5% forex markup. Axis Flipkart Credit Card charges 3.5% forex markup.