Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card
Last verified 19 Oct 2026 · how we compare
Side by side
| Feature | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Issuer | ICICI Bank | Axis Bank |
| Joining fee | Free | ₹500 |
| Annual fee | Free | ₹500 |
| Fee waiver | Lifetime free: no joining or annual fee. | Joining fee ₹500 (the bank currently advertises a limited-period waiver). Annual fee ₹500 from year 2, waived on ₹3.5 lakh spend in the previous card year (rent and wallet loads don't count). |
| Everyday spends (value back) | 1% | 1% |
| Online shopping (value back) | 1% | 1% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 1% | – |
| Travel (value back) | 1% | – |
| Bills and utilities (value back) | 2% | 0% |
| Dining and food delivery (value back) | 1% | 4% |
| Rewards in short | Rewards paid as Amazon Pay balance with no cap: 5% on Amazon.in (including flights and hotels booked on Amazon) for Prime members, 3% without Prime; 2% on bills, recharges and gift cards paid through Amazon Pay; 1% on other spends. Fuel, rent, tax, education and international spends earn nothing. | Cashback card: 7.5% on Myntra, 5% on Flipkart and Cleartrip (each capped), 4% on preferred merchants, 1% on other eligible spends. |
| Works on UPI | No | No |
| Airport lounge | Not published by the bank | None (complimentary domestic lounge access discontinued from 20 Jun 2025) |
| Forex markup | 1.99% | 3.5% |
| Fuel surcharge waiver | 1% waiver at all petrol pumps, no cap stated; a single fuel payment above ₹10,000 attracts a 1% fee | 1% waiver on fuel transactions of ₹400 to ₹4,000; max ₹400 per statement cycle; no cashback earned on fuel |
| Card network | Visa | Not published by the bank |
| Minimum income (salaried) | ₹30,000 a month | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the Amazon Pay ICICI Bank Credit Card if
you shop mostly on Amazon or pay bills through Amazon Pay, and want no fee
Lifetime free
Pick the Flipkart Axis Bank Credit Card if
you shop mostly on Flipkart or Myntra, or book travel on Cleartrip
₹500 joining, ₹500 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which is better, Amazon Pay ICICI or Flipkart Axis?
It depends on where you shop. Amazon Pay ICICI pays 5% on Amazon.in with Prime or 3% without, with no cap. Flipkart Axis pays 5% on Flipkart and Cleartrip and 7.5% on Myntra, each up to ₹4,000 a statement quarter. On other eligible spends both pay 1%, and Flipkart Axis pays 4% at its preferred merchants.
Which card is better for paying bills?
Amazon Pay ICICI pays 2% on bills and recharges paid through Amazon Pay, though utility bills paid outside Amazon earn nothing. Flipkart Axis gives no cashback on utility bills or telecom, wherever you pay them.
How do I get the Amazon Pay ICICI credit card?
Only by invitation: you can apply once Amazon offers you the card in its app or website. ICICI Bank asks for age 21 or over and income of at least ₹30,000 a month, salaried or self-employed. Axis lists Flipkart Axis for residents aged 18 to 70 and doesn't publish an income figure.
Which is cheaper to use abroad?
Amazon Pay ICICI, with a 1.99% forex markup against Flipkart Axis's 3.5%. Amazon Pay ICICI gives no rewards on international spends, so the saving is on the markup, not on rewards.
Full details: Amazon Pay ICICI Bank Credit Card · Flipkart Axis Bank Credit Card · find the card that fits your spending
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.