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Axis Bank is one of the supreme banking institutions in India, with a wide range of credit card options for its customers. straight from entry-level credit cards, to premium-level credit cards; Axis Bank has more than 7.9 million credit cards as of now. With a wide array of options, it becomes confusing for the customers to pick from. Two such credit cards are Axis Bank ACE credit card and Flipkart Axis Bank credit card.
Both of these credit cards are beneficial when the focus is to get good cashback; Axis Bank ACE credit card offers a base cashback rate of 2% whereas Flipkart Axis credit card offers 1.5%. The Flipkart Axis Bank credit card gives some exciting cashback on popular brands like Swiggy, Uber, PVR, Credit, Myntra, Tata Sky, etc.
Similarly, with Axis Bank ACE users get irresistible cashback offers too. Often applicants find it challenging to choose between these two cards, but don’t worry; this blog will help you clarify each of them by comparing their respective use cases, benefits, fees, and more.
Axis Bank ACE vs Flipkart Axis Bank Cards
The Axis Bank ACE credit card has a joining and annual fee of Rs. 499 plus GST, which is quite a deal with all the cashback the card offers. Also, users get an annual fee waiver on more than Rs 2 lakh spent in a year.
The Flipkart Axis Bank credit card is another great option with various benefits for lifestyle, dining, and travel transactions. A flat 4% cashback on Uber, Swiggy, PVR, Tata Sky, and Curefit. Unlimited 5% cashback on Flipkart and a 15% cashback of up to Rs.500 on your first transactions with Myntra. You might want to check the Flipkart Axis Bank vs Amazon Pay ICICI Credit Card in one of our Comparisons review articles.
Pros and Cons of Axis Bank ACE
| Pros | Cons |
| 5% cashback on bill payment, DTH recharge, and mobile recharge initiated via Google Pay | iOS users miss out on 5% cashback with Google Pay |
| 4% cashback on Swiggy, Ola and Zomato | No rewards on rental, fuel, insurance, or wallet spends |
| 2% cashback on all other spends | |
| 4 complimentary domestic lounge visits in a year. | |
| 1% fuel surcharge available at all stations in India (transaction should be between Rs. 400-500) |
Pros and Cons of Flipkart Axis Bank
| Pros | Cons |
| 4 domestic airport lounge access per annum | Spend a minimum of Rs. 2 Lakh to get an annual fee waiver |
| Fuel surcharge waiver of up to 1% | 3.5% foreign currency conversion fees |
| 20% discount on dining partner restaurants | Can only convert purchases above Rs. 2,500 into EMIs |
| 5% cashback when shopping from Flipkart, Myntra or 2GUD | |
| 4% cashback on preferred merchants | |
| 1.5% cashback on all other categories. |
Axis Bank ACE Card Charges
| Label | Fees |
| Joining Fees: | Rs. 499 (reversed on the spending of Rs. 10,000 within 45 days of card issuance) |
| Annual Fees: | Rs. 499 (waived off on annual spend of Rs. 2 lakh or more) |
| Interest Rate: | 3.6% p.m. | 52.86% p.a. |
Flipkart Axis Bank Card Charges
| Label | Fees |
| Joining Fees: | Rs.500 |
| Annual Fees: | Rs. 500 |
| Interest Rate: | 3.4% per month |
Axis Bank ACE credit card vs Flipkart Axis Bank credit card Rewards
Axis Bank ACE credit card
Welcome Benefits
Axis Bank ACE credit card does not provide any welcome benefits.
Cashback
Axis Bank ACE credit card does not have any upper cap on the cashback categories; 2% unlimited cash back on everyday expenses. 5% cashback on bill payments, electricity bills, internet, gas DTH, and mobile recharges on Google Pay. On Swiggy, Zomato and Ola spend, users get a cashback of 4%.
Travel Benefits
With the Axis Bank ACE credit card, users get 4 complimentary airport domestic lounge visits per year.
Milestone Benefits
Spend Rs. 2 lakh or more in a year, and you’ll be eligible for an annual fee exemption. Spend Rs. 10,000 within 45 days of receiving your card to get your joining cost refunded.
Flipkart Axis Bank credit card
Welcome Benefits
Flipkart Axis Bank credit card charges a joining fee of Rs.500; the customers get Myntra, Flipkart, and Swiggy vouchers as a welcome benefit (Rs. 1,100 Joining and activation benefits).
Cashback
Flipkart Axis Bank credit card offers 4% cashback on shopping with preferred merchants and a 1.5% cashback on all the other categories.
Travel Benefits
The Flipkart Axis Bank Credit Card comes with four complimentary lounge visits to various airport lounges across India. This benefit is a powerful combination when combined with the 4% cashback on travel brands like Cleartrip.
Milestone Benefits
An annual fee waiver is available on spends of over Rs. 2 lakh in a card year.
Who should get an Axis Bank ACE credit card?
If you are looking for a credit card that gets you decent cashback on all your transactions, then you can consider going for an Axis Bank ACE credit card. Axis Bank ACE credit card has a minimal joining fee/ annual fee of Rs.499.
Alternatively, the card also offers complimentary lounge and dining access. However, if you are searching for a credit card that provides rewards points instead of cashback, Axis Bank ACE may not be a fit.
Who should get a Flipkart Axis Bank?
The Flipkart Axis Bank credit card can help you develop a credit history and enhance your credit score if you’re a first-time credit card user. This card offers discounts on travel, movies, and restaurants, as well as online shopping.
Those who shop on Flipkart or Myntra frequently may find the card worthwhile.
Axis Bank ACE credit card Eligibility Criteria
Age
18-70 years
Cibil score of the applicant
750 or above
Location
Indian Resident
Documents required
- PAN card photocopy or Form 60
- Colour photograph
- Latest payslip/Form 16/IT return copy as proof of income
- Residence proof (any one of the following):
- Passport
- Ration Card
- Electricity bill
- Landline telephone bill
- Identity proof (any one of the following):
- Passport
- Driving licence
- PAN card
- Aadhaar card
- Job card issued by NREGA
Flipkart Axis Bank Eligibility Criteria
Age
18-70 years
Cibil score of the applicant
750 or above
Location
Indian Resident
Documents required
- PAN card photocopy or Form 60
- Colour photograph
- Latest payslip/Form 16/IT return copy as proof of income
- Residence proof (any one of the following):
- Passport
- Ration Card
- Electricity bill
- Landline telephone bill
- Identity proof (any one of the following):
- Passport
- Driving licence
- PAN card
- Aadhaar card
Conclusion
Both credit cards have exclusive features for their customers, which can help users save a decent chunk of money while shopping online. Users can also earn thousands of reward points and redeem them whenever they wish.
Where Axis Bank ACE credit card ticks all the boxes with minimal joining/ annual fees, and travel benefits – it makes for an excellent entry-level credit card.
However, the Flipkart Axis Bank credit card has welcome benefits. On a concluding note, both credit cards are beneficial, and users can pick any of the two according to their needs.
FAQs
What is the difference between Axis Bank ACE and Flipkart Axis Bank?
A significant difference is that no welcome benefits are included on the Axis Bank ACE credit card. However, the Flipkart Axis Bank credit card has a joining fee of Rs.500 and customers get Myntra, Flipkart, and Swiggy vouchers as a welcome benefit (Rs 1100 Joining and activation benefits).
Is Axis ACE discontinued?
No, the Axis ACE has not been discontinued. You can still apply for the credit card through Axis Bank’s website or by visiting the bank’s branch.
Is the Axis Bank ACE card and Flipkart Axis Bank card the same?
The Axis Bank ACE credit card and the Flipkart Axis cards are not the same and come with different set of benefits. The joining fee of both cards is the same, though – Rs 500. The Flipkart Axis gets you up to 5% cashback on Flipkart, Myntra purchases, while the ACE has an upper limit of 2%.
Which bank card is best for Flipkart?
With 5% uncapped cashback and no-cost EMI for up to 9 months, the Flipkart Axis Bank credit card is one of the best credit cards for Flipkart.
