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Airtel Axis Bank Credit Card vs Flipkart Axis Bank Credit Card

Verified 10 sources

Your monthly spend

Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card by ₹1,100 a year at ₹30,000 a month: ₹3,600 against ₹2,500, after fees

Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card by ₹1,400 a year at ₹75,000 a month: ₹9,000 against ₹7,600, after fees

Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card by ₹2,900 a year at ₹1.5 lakh a month: ₹18,000 against ₹15,100, after fees

Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card by ₹5,800 a year at ₹3 lakh a month: ₹36,000 against ₹30,200, after fees

Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card by ₹9,600 a year at ₹5 lakh a month: ₹60,000 against ₹50,400, after fees

Airtel Axis Bank Credit Card

Axis Bank

Airtel Axis Bank Credit Card

Our verdict: Keep

Axis Bank

Flipkart Axis Bank Credit Card

Our verdict: Downgrade

Flipkart Axis Bank Credit Card vs Airtel Axis Bank Credit Card: which should you pick?

Axis's two ₹500 cashback co-brands, and the base decides it. Both pay 1% on everything else with no cap, in rupees on the statement; Flipkart Axis adds 7.5% on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter, and 4% at preferred merchants such as Swiggy, but pays nothing on utilities, where the Airtel card pays 25% on Airtel bills and 10% on other utility bills through the Airtel Thanks app, each tier capped at a multiple of the 1% you earned that month. On the page's everyday mix Airtel Axis out-earns Flipkart Axis at every spend level the page tests. The waiver is ₹2,00,000 of spend against ₹3,50,000; both charge 3.5% abroad, and neither opens a lounge — Axis withdrew Flipkart's on 20 June 2025 and Airtel's on 12 April 2026.

Both earn Axis Bank Cashback, so Airtel Axis Bank Credit Card and Flipkart Axis Bank Credit Card share every transfer partner and differ only in how fast they earn and what they cost. At every spend from ₹25,000 to ₹5 lakh a month, Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card, and its lead widens from ₹1,000 to ₹9,600 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Airtel Axis Bank Credit Card returns ₹9,000 a year in rewards to Flipkart Axis Bank Credit Card's ₹7,600. On the rows below, Flipkart Axis Bank Credit Card has no clear edge over Airtel Axis Bank Credit Card.

Airtel Axis Bank Credit Card review Flipkart Axis Bank Credit Card review

Side by side

Airtel Axis Bank Credit Card and Flipkart Axis Bank Credit Card, fact by fact
FactAirtel Axis Bank Credit CardFlipkart Axis Bank Credit Card
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹500/yr₹500/yr
Fee waiverSpend ₹2,00,000 a yearSpend ₹3,50,000 a year
Reward rate on everyday spend1.0%1.0%
PointsAxis Bank CashbackAxis Bank Cashback
Our value per point₹1.00 †₹1.00
Transfer partnersNoneNone
Lounges it gets you into0 of 7920 of 792
Forex markup3.50%3.5%
Welcome benefitAmazon eVoucher worth ₹250 on your first transaction within 30 days of card issuance — not available on cards issued without a joining fee₹350 of activation benefits — a ₹250 Flipkart voucher on paid cards only (first-year-free cards get nothing) plus 50% off up to ₹100 on a first-time Swiggy order, on a first transaction within 30 days of issuance

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Airtel Axis Bank Credit Card is ahead on 5 of the 6 rows we can call.

More facts 6 rows
Rank, verdict, lounge visits and fine print
FactAirtel Axis Bank Credit CardFlipkart Axis Bank Credit Card
Our rank#297#133✓ Better
Our verdictKeepDowngrade
Lounge visits in IndiaNone since 12 Apr 2026 — "Effective 12th April 2026, the Airtel Axis Bank Credit Card is no longer offering complimentary lounge access"None since 20 Jun 2025 — "Effective 20th June 2025, the Flipkart Axis Bank Credit Card is no longer offering complimentary lounge access"
Lounge visits abroadNone — Axis publishes no international lounge entitlement for this cardNone — Axis publishes no international lounge entitlement for this card
Forex, in the bank’s words3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026.3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026.
Interest (APR)3.75%/mo (55.55%/yr)3.75%/mo (55.55%/yr) — Axis standard tier

† Airtel Axis Bank Credit Card: Statement cashback at par, credited to the card account on a 60-day cycle. Axis's own cashback T&C defines it as "money awarded in the customer's credit card account under the cashback scheme". The Zomato, Blinkit and District Movies value back is NOT this — it is credited to each partner's own wallet, carries no expiry, and Axis states plainly that "Axis Bank cashback shall not be applicable for this category".

Neither issuer publishes an income floor for these two, and the door is the same on both sides: Airtel Axis Bank Credit Card and Flipkart Axis Bank Credit Card are both open to a direct application. How people actually get each one is on its card page.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendAirtel Axis Bank Credit CardFlipkart Axis Bank Credit Card
At ₹30,000 a month₹3,600✓ Better₹2,500
At ₹75,000 a month₹9,000✓ Better₹7,600
At ₹1.5 lakh a month₹18,000✓ Better₹15,100
At ₹3 lakh a month₹36,000✓ Better₹30,200
At ₹5 lakh a month₹60,000✓ Better₹50,400
Pays for itself from₹5,000 a month₹5,000 a month

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Airtel Axis Bank Credit Card and Flipkart Axis Bank Credit Card at each ₹25,000 step
Monthly spendAirtel Axis Bank Credit CardFlipkart Axis Bank Credit CardAhead
₹25,000₹3,000✓ Better₹2,000Airtel Axis Bank Credit Card by ₹1,000
₹50,000₹6,000✓ Better₹5,000Airtel Axis Bank Credit Card by ₹1,000
₹75,000₹9,000✓ Better₹7,600Airtel Axis Bank Credit Card by ₹1,400
₹1 lakh₹12,000✓ Better₹10,100Airtel Axis Bank Credit Card by ₹1,900
₹1.25 lakh₹15,000✓ Better₹12,600Airtel Axis Bank Credit Card by ₹2,400
₹1.5 lakh₹18,000✓ Better₹15,100Airtel Axis Bank Credit Card by ₹2,900
₹1.75 lakh₹21,000✓ Better₹17,600Airtel Axis Bank Credit Card by ₹3,400
₹2 lakh₹24,000✓ Better₹20,200Airtel Axis Bank Credit Card by ₹3,800
₹2.25 lakh₹27,000✓ Better₹22,700Airtel Axis Bank Credit Card by ₹4,300
₹2.5 lakh₹30,000✓ Better₹25,200Airtel Axis Bank Credit Card by ₹4,800
₹2.75 lakh₹33,000✓ Better₹27,700Airtel Axis Bank Credit Card by ₹5,300
₹3 lakh₹36,000✓ Better₹30,200Airtel Axis Bank Credit Card by ₹5,800
₹3.25 lakh₹39,000✓ Better₹32,800Airtel Axis Bank Credit Card by ₹6,200
₹3.5 lakh₹42,000✓ Better₹35,300Airtel Axis Bank Credit Card by ₹6,700
₹3.75 lakh₹45,000✓ Better₹37,800Airtel Axis Bank Credit Card by ₹7,200
₹4 lakh₹48,000✓ Better₹40,300Airtel Axis Bank Credit Card by ₹7,700
₹4.25 lakh₹51,000✓ Better₹42,800Airtel Axis Bank Credit Card by ₹8,200
₹4.5 lakh₹54,000✓ Better₹45,400Airtel Axis Bank Credit Card by ₹8,600
₹4.75 lakh₹57,000✓ Better₹47,900Airtel Axis Bank Credit Card by ₹9,100
₹5 lakh₹60,000✓ Better₹50,400Airtel Axis Bank Credit Card by ₹9,600
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 shared

Both cards earn Axis Bank Cashback, so they move points to the same 0 partners .

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Airtel Axis Bank Credit Card

  • THE FOUR COMPLIMENTARY DOMESTIC LOUNGE VISITS WERE DISCONTINUED on 12 April 2026 — this card now has no travel benefit at all
  • The 25% and 10% Airtel tiers are capped at twice and once the base cashback you earned that month — spend little elsewhere and they pay little
  • Both accelerated tiers require the Airtel Thanks app; paying the same bill anywhere else earns 1%

6 more on its page

Flipkart Axis Bank Credit Card

  • No lounge access — Axis withdrew it on 20 June 2025 and the card is on neither Set A nor Set B of its lounge programme
  • The cashback is rupees on your statement: no points, no transfer partner, no award seat, ever
  • Forex 3.5% plus a dynamic-currency-conversion markup that went 1.5% → 3.5% on 28 Aug 2026 — nothing about this card works abroad

4 more on its page

Common questions 5 answered

Which is better, Airtel Axis Bank Credit Card or Flipkart Axis Bank Credit Card?

Both earn Axis Bank Cashback, so Airtel Axis Bank Credit Card and Flipkart Axis Bank Credit Card share every transfer partner and differ only in how fast they earn and what they cost. At every spend from ₹25,000 to ₹5 lakh a month, Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card, and its lead widens from ₹1,000 to ₹9,600 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Airtel Axis Bank Credit Card returns ₹9,000 a year in rewards to Flipkart Axis Bank Credit Card's ₹7,600. On the rows below, Flipkart Axis Bank Credit Card has no clear edge over Airtel Axis Bank Credit Card.

Airtel Axis Bank Credit Card or Flipkart Axis Bank Credit Card: which is worth more at ₹3 lakh a month?

Airtel Axis Bank Credit Card beats Flipkart Axis Bank Credit Card by ₹5,800 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Airtel Axis Bank Credit Card or Flipkart Axis Bank Credit Card?

They cost the same: ₹500/yr. Airtel Axis Bank Credit Card waives its fee if you spend ₹2,00,000 a year; Flipkart Axis Bank Credit Card waives its fee if you spend ₹3,50,000 a year.

Which gets you into more airport lounges, Airtel Axis Bank Credit Card or Flipkart Axis Bank Credit Card?

Both get you into 0 of the 792 lounges we track.

How current is this comparison?

Airtel Axis Bank Credit Card was last checked against its bank's own documents on 29 Aug 2026, Flipkart Axis Bank Credit Card on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Airtel Axis Bank Credit Card was last checked against its bank's own documents on 29 Aug 2026, Flipkart Axis Bank Credit Card on 24 Oct 2026. Every fact above comes from these 10 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 10 sources
  1. Official Product page — the ₹250 welcome eVoucher, 25% on Airtel bills, the 1% fuel-surcharge waiver, and the value chart showing 1% on all other spends read
  2. Official Cashback T&C effective 12 April 2026 — 1% base with no cap, 25% on Airtel capped at twice that base and 10% on utilities capped at once it, with a worked illustration read
  3. Official Revision notice effective 12 April 2026 — the lounge access is discontinued, and the flat ₹250 caps are replaced by the base-cashback multiples read
  4. Official Axis master MITC — ₹500 joining and ₹500 annual waived at ₹2,00,000, Nil add-on, 3.50% forex, and a ₹400-a-cycle fuel-surcharge refund read
  5. Official Axis Bank Credit Cards Domestic Airport Lounge Access Program — the programme document this card's lounge entitlement is read against read
  6. Official Revision of Axis Bank Credit Card Terms and Conditions — the bank-wide notice: DCC 1.5% to 3.5%, and gift cards, Bridge Fees, Road Fees and Tolls out of rewards, from 28 Aug 2026 read
  7. Official Flipkart Axis Bank product page — the 7.5%/5%/4%/1% cashback grid with its quarterly caps, the fee table and the co-branding statement read
  8. Official Flipkart Axis Bank cashback Terms & Conditions — the caps, the excluded-MCC table and the multi-cobranding definition read
  9. Official Axis Bank Key Fact Sheet, last updated 8 Oct 2026 — FLIPKART joining ₹500, annual ₹500, waiver at ₹3,50,000 of preceding-year spend read
  10. Official Axis Travel EDGE Program eligible cards — no Flipkart Axis card appears, so the transfer route is closed to it read

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