Amazon Pay ICICI Credit Card vs Flipkart Axis Bank Credit Card
A head-to-head comparison on verified fees, waiver math, reward rates, lounge conditions and forex charges.
Our verdict
Both are effectively free forever. The better card is simply the store you actually shop at.
Pick Amazon Pay ICICI if Amazon is your default store; rewards land as Amazon Pay balance and there is no fee, ever.
Pick Flipkart Axis if Flipkart and Myntra take most of your shopping money; its cashback is real statement cashback.
| Compare | Amazon Pay ICICI Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Annual fee | Lifetime free | ₹500 + GST (₹590 total) |
| Fee waiver | No fee to waive | Waived on ₹3,50,000 annual spend |
| Headline reward | 5% unlimited Amazon cashback for Prime members | 7.5% cashback on Myntra, 5% cashback on Flipkart and Cleartrip, 4% cashback on preferred merchants and 1% cashback on other eligible spends, as derived from the official value chart |
| Online spends return | 5% | 5% |
| Dining return | 2% | 4% |
| Travel return | 2% | 5% |
| Bills and UPI return | 2% | 1% |
| Fuel return | 0% | 0% |
| Lounge access | No complimentary lounge access | No complimentary lounge access. The official value chart lists cashback, dining and fuel benefits with no lounge benefit, after the June 2025 revision removed lounge access. |
| Forex markup | 3.5% + 18% GST | 3.5% + 18% GST |
| RuPay UPI payments | Not supported | Not supported |
| Credwiser score | 93/100 | 78/100 |
Green cells mark the stronger card on that row. Returns are effective category rates from each card verified record, before caps; check the fine print below for caps.
The fine print decides it
Amazon Pay ICICI Credit Card
Cashback credited to Amazon Pay Balance linked to the registered mobile number within 2 business days of statement generation.
Last verified against MITC: 21 October 2026
Flipkart Axis Bank Credit Card
Annual fee ₹500 plus 18% GST, total ₹590. Other charges as per the issuer's MITC.
Last verified against MITC: 21 October 2026 • View official MITC →
Frequently asked questions
Which is cheaper, Amazon Pay ICICI Credit Card or Flipkart Axis Bank Credit Card?
Amazon Pay ICICI Credit Card charges lifetime free and its waiver position is: no fee to waive. Flipkart Axis Bank Credit Card charges ₹500 + gst (₹590 total) with this waiver position: waived on ₹3,50,000 annual spend. Remember the fee is billed first and reversed later on cards that offer a waiver.
Which card has better lounge access, Amazon Pay ICICI Credit Card or Flipkart Axis Bank Credit Card?
Amazon Pay ICICI Credit Card: No complimentary lounge access. Flipkart Axis Bank Credit Card: No complimentary lounge access. The official value chart lists cashback, dining and fuel benefits with no lounge benefit, after the June 2025 revision removed lounge access.. Always check the spend gate, if any, before travelling; our Lounge Access Checker shows the exact criteria for both cards.
Amazon Pay ICICI Credit Card vs Flipkart Axis Bank Credit Card: which should I pick?
Both are effectively free forever. The better card is simply the store you actually shop at. Pick Amazon Pay ICICI if Amazon is your default store; rewards land as Amazon Pay balance and there is no fee, ever. Pick Flipkart Axis if Flipkart and Myntra take most of your shopping money; its cashback is real statement cashback.
Compare any two cards freely in the side-by-side comparison matrix, or check gates and caps in the Lounge Access Checker and Cashback Cap Maxer.