Flipkart Axis Bank Credit Card vs Amazon Pay ICICI: The Ultimate 2025 Comparison for Online Shoppers

Comparison Summary

The Flipkart Axis Bank Credit Card and Amazon Pay ICICI Credit Card are leading options for online shoppers seeking cashback and rewards in India. Flipkart Axis offers higher cashback rates on Flipkart, Myntra, and Cleartrip with an annual fee waived on high spends, while Amazon Pay ICICI provides no annual fee, consistent cashback for Amazon Prime users, and rewards on bill payments with conditional lounge access. Selection depends on shopping loyalty—Flipkart enthusiasts benefit from Axis Bank’s card, whereas Amazon Prime members and bill payers may prefer the Amazon Pay ICICI card for its wider usability and zero fees.

Feature	Flipkart Axis Bank Credit Card	Amazon Pay ICICI Bank
Card Image	Axis Bank	ICICI Bank
Card Network	Mastercard, Visa	Visa
USP	Flipkart Axis Bank Credit Card delivers high cashback on Flipkart, Myntra, and preferred merchants, making it ideal for avid online shoppers seeking maximum savings and exclusive lifestyle rewards.	The Amazon Pay ICICI Bank Credit Card delivers unbeatable cashback benefits with 5% for Amazon Prime members, 3% for non-Prime members on Amazon purchases, and 2% cashback at over 100 Amazon Pay partner merchants, maximizing savings on everyday online shopping.
Annual Fee	500 - Lifetime free for select channels	N/A
Joining Fee	500 - Lifetime free for select channels	N/A
Welcome Benefits	₹350 worth of activation benefits (including ₹250 Flipkart voucher on first transaction for paid cards)	N/A
Lounge Access	N/A	Domestic: 2 per quarter On spends of ₹75,000+ in the last 3 months
Reward Rate	Earn 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, and 4% on Swiggy, PVR, etc, 1.5% on other online spends on all online spends & 1% on offline transactions	5% cashback on Amazon for Prime members, 3% cashback on Amazon for non-Prime, 2% cashback on 100+ Amazon Pay partner merchants, and 1% cashback on all other spends
Interest Rate	3.6% per month (52.86% per annum)3.6% per month (52.86% per annum)	Approximately 3.5% to 3.8% per month (42% to 45.6% per annum)
Best For	Online Shopping	Online Shopping
Apply Now	Apply Now	Apply Now

Fees and Charges Comparison

Particulars	Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
Annual Fee	Rs. 500, waived on annual spends above Rs. 3.5 Lakh	Nil
Joining Fee	Rs. 500	Nil
Add-on Card Fees	Nil	Nil
Foreign Currency Transaction Fee	3.5% of transaction value	3.5% of transaction value
Finance Charges (Interest)	3.75% per month (45% approx. annually)	Around 3.3% per month (variable)
Late Payment Charges	Up to Rs. 1,200	Varies by outstanding amount
Cash Withdrawal Fee	2.5% (min Rs. 500)	2.5% of amount
Fuel Surcharge	1% cashback on fuel; surcharge cap applies	No specific fuel surcharge waiver
Other Surcharges	1% on wallet loads above Rs. 10,000 per cycle, fees on rent, education, utility, online gaming spends above limits	Minimal or none

The Flipkart Axis Bank Credit Card has a standard annual/joining fee but offers waiver on high annual spends. Amazon Pay ICICI Credit Card comes with no annual or joining fees, making it a cost-effective option for users with moderate spending. Both cards charge 3.5% on foreign currencies and have standard finance and cash withdrawal fees.

Flipkart Axis also imposes some surcharges on specific spends like wallet loads and utilities beyond certain thresholds. Amazon Pay ICICI has a cleaner fee structure without these surcharges.

Welcome Benefits & Eligibility

Flipkart Axis Bank Credit Card:

Welcome offer includes activation benefits worth Rs. 1,100 through vouchers from Flipkart, Swiggy, and Myntra.
New cardholders receive a Flipkart gift voucher worth Rs. 500 on their first transaction.
Additional dining discounts of up to 15% at partner restaurants via EazyDiner.
Eligibility: Indian residents or NRIs aged 18 to 70 years.
Application can be done online or offline with usual KYC documents.
Physical card delivery takes 7–10 working days post approval.

Amazon Pay ICICI Credit Card:

No joining or annual fee, so no specific welcome voucher on activation.
Offers up to 5% cashback on Amazon for Prime users as an ongoing benefit.
Eligibility typically includes salaried professionals aged 21 to 60 years with minimum income criteria.
Application process is straightforward online with minimal documentation.
Card dispatch usually within 7–10 business days after approval.

Both cards require standard income and identity proofs during application. Flipkart Axis offers more tangible welcome benefits, while Amazon Pay ICICI positions itself with no joining fee and steady cashback advantages

Cashback & Rewards Structure

Spend Category	Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
Flipkart Purchases	5% cashback, capped at ₹4,000 per statement quarter	Not applicable
Myntra Purchases	7.5% cashback, capped at ₹4,000 per statement quarter	Not applicable
Cleartrip Purchases	5% cashback, capped at ₹4,000 per statement quarter	Not applicable
Amazon Purchases	Not applicable	5% cashback for Amazon Prime users
Partner Merchants	4% cashback on Swiggy, Uber, PVR, Cult.fit	2% cashback on Yatra, Faasos, BookMyShow, redBus, FreshMenu, others
Base Cashback	1% unlimited cashback on all other spends	3% cashback for non-Prime users; 1% base cashback
Cashback Credit	Credited as statement balance credit	Credited to Amazon Pay Wallet
Cashback Caps	Quarterly caps apply for Flipkart, Cleartrip, Myntra	No explicit caps reported

The Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart purchases, 7.5% on Myntra, and 5% on Cleartrip, each with a quarterly cashback cap of ₹4,000. Additionally, it provides 4% cashback on partner merchants like Swiggy, Uber, PVR, and Cult.fit. All other spends earn an unlimited 1% base cashback, which is credited as a statement balance.

On the other hand, the Amazon Pay ICICI Credit Card offers 5% cashback on Amazon purchases for Prime users, and 3% for non-Prime users. It also provides 2% cashback on partner merchants such as Yatra, Faasos, BookMyShow, redBus, and FreshMenu. For all other spends, it offers a 1% base cashback. The cashback from this card is credited to the Amazon Pay Wallet. Unlike Flipkart Axis, the Amazon Pay ICICI Card does not explicitly mention any caps on cashback.

Lounge Access

Card	Lounge Access Availability	Number of Free Visits	Conditions
Flipkart Axis Bank Credit Card	Discontinued from June 6, 2025	No complimentary lounge access	Lounge access benefit fully removed as per bank update
Amazon Pay ICICI Credit Card	Complimentary domestic lounge access (limited offer)	One complimentary visit per quarter	Spend ₹75,000 in preceding quarter (Mar 26 – Jun 25, 2025) & active Amazon Prime membership required; ₹2 authorization fee per visit

The Flipkart Axis Bank Credit Card no longer offers complimentary airport lounge access since June 6, 2025. Previously, cardholders could avail four free domestic lounge visits annually, but this benefit has been fully discontinued.

The Amazon Pay ICICI Credit Card offers a limited-time promotional lounge access benefit for 2025. Eligible cardholders can avail one complimentary domestic lounge visit per quarter between July 1 and September 30, 2025, if they meet the spending condition of ₹75,000 in the preceding quarter (March 26 to June 25, 2025) and maintain an active Amazon Prime membership by June 25, 2025. A nominal ₹2 authorization fee is charged per lounge visit. This offer is valid only for domestic lounges in India and applies exclusively to Visa variants of the card.

Thus, currently, only the Amazon Pay ICICI Credit Card provides conditional lounge access, making it valuable for frequent domestic travelers who meet the eligibility criteria.

Cashback/Rewards Redemption

The cashback earned on the Flipkart Axis Bank Credit Card is credited as a statement balance credit within approximately 3 days prior to the next statement generation date. For example, if the statement date is the 15th of the month, cashback accumulated on purchases made during the statement month will be credited by the 12th of the following month’s statement cycle. Cashback is subject to quarterly caps for various categories, and transactions on utilities, rent, wallet loads, fuel, insurance, government services, education, and cash withdrawals do not earn cashback or rewards.

Likewise, the Amazon Pay ICICI Credit Card cashback is credited directly to the Amazon Pay Wallet. Users can instantly redeem this cashback on Amazon purchases or merchant bill payments through the wallet. Cashback can be accumulated with no explicit expiry mentioned but subject to Amazon Pay Wallet terms. Cashback categories on this card exclude charges like utility bill payments, wallet loads, fuel, and insurance transactions.

Both cards have restrictions on cashback accumulation on specific transactions (insurance, rent, wallet loads, fuel, etc.) and cashback will not be earned on these spends. If the credit card account is closed or dues remain unpaid for more than 90 days, unredeemed cashback or reward points may be forfeited.

This clear redemption mechanism provides quick access to rewards with Flipkart Axis credit given as statement credit and Amazon Pay cashback directly wallet credited, enabling seamless use by the cardholder.

Pros & Cons

Feature	Flipkart Axis Bank Credit Card	Amazon Pay ICICI Credit Card
Pros	– Uniform 5% cashback on Flipkart for all users	– Higher cashback for Amazon Prime users (5%)
	– 7.5% cashback on Myntra	– Inclusion of bill payments and wallet reloads for cashback
	– Lounge access: 4 free domestic airport visits annually (limited)	– No annual or joining fees
	– Cashback on partner merchants: Swiggy, Uber, PVR, Cult.fit	– Partner merchants like Yatra, Faasos, BookMyShow, etc.
	– Unlimited 1% base cashback	– Unlimited rewards
Cons	– Annual fee of Rs. 500 (waived on Rs. 3.5 lakh annual spend)	– Lower cashback for non-Prime users (3%)
	– No cashback on utility bill payments and wallet reloads	– No complimentary lounge access
	– Lounge access removed recently, spend-based previously	– Amazon Prime membership not complimentary
	– Caps on cashback for Flipkart, Myntra, Cleartrip	– Limited welcome benefits

Conclusion

The Flipkart Axis Bank and Amazon Pay ICICI Credit Cards are both strong contenders for online shoppers seeking cashback and rewards in 2025. The Flipkart Axis Bank Credit Card is ideal for loyal Flipkart and Myntra users who want higher cashback on these platforms and occasional lounge access, provided they meet the spend criteria. Meanwhile, the Amazon Pay ICICI Credit Card suits Amazon Prime members and users who want no annual fees, cashback on utility bill payments, and conditional lounge access with qualifying spends.

Choosing between these two cards depends primarily on individual shopping habits, brand loyalties, and lifestyle preferences. For maximized value, frequent Flipkart shoppers should lean toward the Flipkart Axis card, while Amazon fans, bill payers, and Prime members may find the Amazon Pay ICICI card more rewarding.

Frequently Asked Questions

Is the Flipkart Axis Bank Credit Card lifetime free?

No, the Flipkart Axis Bank Credit Card has an annual fee of Rs. 500, which is waived if the cardholder spends over Rs. 3.5 lakh annually.

How is cashback redeemed on the Flipkart Axis Bank Credit Card and Amazon Pay ICICI Credit Card?

Flipkart Axis cashback is credited as statement balance credit approximately 3 days before the next statement date. Amazon Pay ICICI cashback is credited directly to the Amazon Pay Wallet for instant use on Amazon transactions.

Does the Flipkart Axis Bank Credit Card offer airport lounge access?

No, complimentary lounge access on the Flipkart Axis Bank Credit Card was discontinued from June 6, 2025.

Does the Amazon Pay ICICI Credit Card offer lounge access?

Yes, Amazon Pay ICICI Credit Card holders can get one complimentary domestic airport lounge visit per quarter by spending Rs. 75,000 in the prior quarter and having an active Amazon Prime membership.