Flipkart Axis Bank Credit Card Vs. Amazon Pay ICICI Bank Credit Card

When comparing the welcome benefit with the joining fee charged, both these credit cards are at par. ICICI Bank Amazon Pay Credit Card does not offer any welcome benefit at zero joining fee, whereas the Flipkart Axis Bank Credit Card charges a joining fee of Rs. 500 and offers Myntra, Flipkart and Swiggy vouchers as a welcome benefit.

Both Flipkart Axis Bank and Amazon Pay ICICI Bank offer cashback benefits across the respective partner brands. With these cards, you can earn cashback of up to 5%.

Both Flipkart Axis Bank and Amazon Pay ICICI Bank offer good cashback value across their partner merchants and decent value across general spending. Read the analysis below to check which of these would be better in terms of overall value-back.

Flipkart Axis Bank Credit Card offers 4 complimentary lounge visits to selected airport lounges in the country. However, no lounge access is offered on the ICICI Bank Amazon Pay Credit Card. Note that the Flipkart Card comes at an annual fee of Rs. 500, thereby, providing lounge access is a big feather in its hat, since not many cards with annual fees up to 500 offer this privilege.

Both these credit cards offer some of the following similar benefits:

Note that, as per the comparison table above, both cards offer similar waivers on fuel expenses. However, in terms of dining benefits, the Flipkart Axis Bank card is better, as you not only get an additional 5% discount in comparison to Amazon ICICI Card but also get 4% cashback on transactions across its partner merchant, Swiggy. When it comes to EMI transactions, with Axis Flipkart credit card, you can convert any transaction above Rs. 2,500 into EMI, but for Amazon Pay ICICI Card, the Easy EMI facility is limited to purchases made on Amazon.

You should consider getting Flipkart Axis Bank Credit Card if:

• You are new to credit cards and need to build your credit history or improve your credit score
• You frequently shop on Flipkart, Myntra
• You are looking for an online shopping credit card with all-rounder benefits on travel, movies, dining
• You are looking for a cashback credit card

You should consider getting Amazon Pay ICICI Bank Credit Card if:

• You are new to credit cards and need to improve your credit score
• You are looking for a credit card with zero annual fee
• You are an Amazon Prime member
• You frequently use Amazon Pay to make payments or shop around its partner brands
• You are looking for a card that offers good cashback across Amazon spends

Comparative Rating

Flipkart Axis Bank Credit Card	Amazon Pay ICICI Bank Credit Card
★★★★ (4/5)	★★★(3.5/5)

On a concluding note, both Flipkart Axis Bank and Amazon Pay ICICI Bank are good credit cards if looked upon individually. On choosing the card, based upon their associated merchants, you should note that Amazon & Flipkart are leading merchants in online shopping. Both these platforms deal in a wide range of items ranging from Kitchen appliances to gadgets to houseware to apparel to groceries, etc.

However, when it comes to comparison, Flipkart Axis Bank credit cards emerges as an all-rounder credit card while maintaining the co-branded tag at the same time. Amazon Pay credit card, however, does not offer any benefits around travel, entertainment, etc, unlike the former. Further, the card doesn’t reward extraordinarily even to Amazon loyalists, unless you are an Amazon Prime Member. Thereby, Flipkart Axis Bank Credit Card is a good option amongst the two. However keeping in view the better brand value of Amazon in comparison to Flipkart, Amazon Pay ICICI Bank Credit Card is also a considerable option. The ultimate choice should be yours based on your spending patterns and preferred choice.