The two e-commerce giants of India: Amazon & Flipkart, both launched their co-branded credit cards recently. Both these cards are entry level cards and provide preferential reward rate on shopping on their respective portals. Being very similar in nature, the card users are confused about choosing the right one. Hence, in this article, let’s compare the two to help you decide the one best suited for your lifestyle.
Fees
| Fees | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Joining | Nil | Rs. 500 |
| Renewal | Nil | Rs. 500 |
Amazon Pay ICICI Bank Credit Card has no joining or renewal fees and is life time free card. However Flipkart Axis Bank Credit Card comes with a joining and renewal fee of Rs. 500. Hence in this category Amazon Pay ICICI Bank Credit Card beats Flipkart Axis Bank Credit Card hands down. If you’re a person who doesn’t like to pay fees for a credit card, Amazon Pay ICICI Bank Credit Card is the credit card for you.
Welcome Benefits
| Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|
| Rs. 500 Amazon Pay gift card for prime members, Rs. 400 Amazon Pay gift card for non-prime members | Rs. 500 Flipkart Gift voucher, welcome promo codes for Gaana, Goibibo, MakeMyTrip, Myntra & Urban Clap |
In this category, both cards are equally good and are tied for the position.
Rewards
| Cashback | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Universal | 1% | 1.5% |
| Other | 5%/3% for prime/non-prime on Amazon.in, 2% for digitally fulfilled categories & physical gift cards, 2% on paying through Amazon Pay at partner merchants | 5% on Flipkart, Myntra and 2GUD, 4% on Goibibo, Uber, PVR, Curefit and UrbanClap |
| Fulfillment | Amazon Pay Balance | Statement Credit |
Flipkart Axis Bank Credit Card beats the Amazon Pay ICICI Bank Credit Card in category owing to higher universal reward rate. Higher reward rate on preferred merchants by Flipkart Axis Bank Credit Card is cherry on the top. If you want higher reward rates and prefer statement credits, go for Flipkart Axis Bank Credit Card blindly.
Features
| Features | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Airport Lounge Access | No | 4 domestic airport lounge access per annum |
| Fuel Surcharge Waiver | Yes | Yes |
| Dining Benefits | 15% discount at partner restaurants | 20% discount at partner restaurants |
Flipkart Axis Bank Credit Card changes the game by providing the domestic airport lounge access which Amazon Pay ICICI Bank Credit Card doesn’t. If you just travel domestically, going for Flipkart Axis Bank Credit Card is a no brainer.
Bottomline
Filpkart Axis Bank Credit Card wins over Amazon Pay ICICI Bank Credit Card due to higher universal reward rate and airport lounge access. However, before getting the card, you should introspect where you spend most: Amazon or Flipkart? It doesn’t makes any sense to get a Flipkart co-branded credit card when you spend more on Amazon and vice-versa.
So which one you’re going to get: Amazon Pay ICICI Bank Credit Card or Filpkart Axis Bank Credit Card? Let me know in comments below.
