When it comes to online shopping, cashback credit cards can help you save significantly. Two of the most popular options in India are the Amazon Pay ICICI Bank Credit Card and the Flipkart Axis Bank Credit Card. Both cards offer attractive cashback benefits. However, deciding which one is better depends on your shopping habits and preferences. In this guide, we will compare these two cards step-by-step, helping you make an informed decision.

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1. Overview of the Cards

To start with, let’s take a quick look at the key features of both cards. This will give you a better understanding of what each card offers.

Amazon Pay ICICI Bank Credit Card

• Issuer: ICICI Bank
• Network: Visa
• Annual Fee: ₹0 (Lifetime free)
• Primary Focus: Amazon shopping and partner merchants on Amazon Pay.
• Official Page

Flipkart Axis Bank Credit Card

• Issuer: Axis Bank
• Network: Visa
• Annual Fee: ₹500 (plus GST, waived on spending ₹2 lakh annually)
• Primary Focus: Flipkart, Myntra, and partner merchants.
• Official Page

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2. Cashback Structure

Now, let’s dive into the cashback benefits offered by each card. This is one of the most important factors to consider when choosing a cashback credit card.

Amazon Pay ICICI Bank Credit Card

• 5% Cashback: For Amazon Prime members on purchases made on Amazon.
• 3% Cashback: For non-Prime members on Amazon purchases.
• 2% Cashback: On transactions with Amazon Pay partner merchants (e.g., Swiggy, Zomato, BookMyShow).
• 1% Cashback: On all other transactions.

Flipkart Axis Bank Credit Card

• 5% Cashback: On Flipkart and Myntra purchases.
• 4% Cashback: On partner merchants like Swiggy, Uber, PVR, and Tata 1mg.
• 1.5% Cashback: On all other transactions.

Key Takeaway:

• If you shop frequently on Amazon, the Amazon Pay ICICI Bank Credit Card is better.
• On the other hand, if you shop on Flipkart and Myntra, the Flipkart Axis Bank Credit Card offers higher rewards.

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3. Real-World Examples

To make things clearer, let’s look at some real-world examples of how much cashback you can earn with each card. This will help you understand how these cards perform in everyday scenarios.

Scenario 1: Monthly Online Shopping

• Amazon Pay ICICI Bank Credit Card:
  • ₹10,000 spent on Amazon (Prime member): ₹500 cashback.
  • ₹5,000 spent on Swiggy (Amazon Pay partner): ₹100 cashback.
  • Total Cashback: ₹600.
• Flipkart Axis Bank Credit Card:
  • ₹10,000 spent on Flipkart: ₹500 cashback.
  • ₹5,000 spent on Swiggy: ₹200 cashback.
  • Total Cashback: ₹700.

Scenario 2: General Spending

• ₹20,000 spent on non-partner merchants:
  • Amazon Pay ICICI Bank Credit Card: ₹200 cashback.
  • Flipkart Axis Bank Credit Card: ₹300 cashback.

Expert Tip:

• Clearly, the Flipkart Axis Bank Credit Card offers slightly better cashback for general spending. However, your choice should depend on where you shop the most.

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4. Fees and Charges

Next, let’s compare the fees and charges associated with these cards. While both cards are affordable, there are some differences you should be aware of.

Feature	Amazon Pay ICICI Bank Credit Card	Flipkart Axis Bank Credit Card
Annual Fee	₹0 (Lifetime free)	₹500 (Waived on ₹2 lakh spend)
Interest Rate	3.5% per month	3.6% per month
Foreign Transaction Fee	3.5%	3.5%
Late Payment Fee	₹100 to ₹1,200	₹500 to ₹1,300

Key Takeaway:

• The Amazon Pay ICICI Bank Credit Card is more cost-effective as it has no annual fee.

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5. Additional Benefits

In addition to cashback, both cards come with extra perks. Let’s take a closer look at these benefits to see which card offers more value.

Amazon Pay ICICI Bank Credit Card

• No-cost EMI options on Amazon.
• Automatic cashback credited to your Amazon Pay balance.
• Fuel surcharge waiver of 1% on fuel transactions.

Flipkart Axis Bank Credit Card

• Complimentary access to 4 domestic airport lounges per year.
• Discounts on dining via Axis Bank’s Dining Delights program.
• Fuel surcharge waiver of 1%.

Expert Tip:

• If you value airport lounge access and dining discounts, the Flipkart Axis Bank Credit Card offers more perks.

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6. Common Mistakes to Avoid

While both cards are great, there are some common mistakes you should avoid to maximize their benefits.

1. Ignoring Annual Fees:
   • While the Flipkart Axis Bank Credit Card has an annual fee, it can be waived if you spend ₹2 lakh annually. Ensure you meet this threshold to avoid unnecessary charges.
2. Not Maximizing Cashback:
   • Use the Amazon Pay ICICI Bank Credit Card for Amazon and partner merchants.
   • Use the Flipkart Axis Bank Credit Card for Flipkart, Myntra, and partner merchants.
3. Overlooking Interest Rates:
   • Both cards have high interest rates (3.5%-3.6% per month). Always pay your bills in full to avoid interest charges.
4. Using the Wrong Card for the Wrong Platform:
   • Avoid using the Amazon Pay ICICI Bank Credit Card on Flipkart or vice versa, as you’ll miss out on higher cashback rates.

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7. Which Card is Better for You?

Now that we’ve compared the features, let’s summarize which card is better for different types of users.

Choose the Amazon Pay ICICI Bank Credit Card if:

• You are an Amazon Prime member.
• You frequently shop on Amazon or use Amazon Pay for partner merchants.
• You want a lifetime free card with no annual fees.
• Apply Here

Choose the Flipkart Axis Bank Credit Card if:

• You shop frequently on Flipkart, Myntra, or partner merchants.
• You value additional perks like airport lounge access and dining discounts.
• You can meet the ₹2 lakh annual spend to waive the annual fee.
• Apply Here

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8. Final Verdict

In conclusion, both cards are excellent for online shopping. However, the choice depends on your shopping habits. If you are loyal to Amazon, the Amazon Pay ICICI Bank Credit Card is a no-brainer. On the other hand, if you shop across Flipkart, Myntra, and other partner merchants, the Flipkart Axis Bank Credit Card offers better overall value.

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9. FAQs