Amazon Pay ICICI Bank Credit Card
ICICI Bank
Flipkart Axis Bank Credit Card
Axis Bank
ICICI Bank
Axis BankAmazon Pay ICICI Bank Credit Card leads overall with a CardCheck Score of 77/100 (+4 pts over Flipkart Axis Bank Credit Card).
4-Pillar Head-to-Head Breakdown
Amazon vs Flipkart- CardCheck Score
- 77Best
- 73
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 25/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 14/20
- 12/20
- Bank
- ICICI Bank
- Axis Bank
- Network
- Visa
- Visa
- Card type
- Co-branded
- Co-branded
- Best for
- Rewards on Amazon Purchases
- Flipkart and online shopping
- Joining fee
- FreeBest
- ₹500
- Annual fee
- FreeBest
- ₹500
- Fee waiver
- FreeBest
- ₹3,50,000
- Interest-free days
- 50
- 50
- APR (min)
- 42%Best
- 45%
- APR (max)
- 46%Best
- 55.55%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 7.5%Best
- Point value
- ₹1
- —
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
- Forex markup
- 1.99%Best
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 18
- Min income / month
- ₹20,000
- ₹25,000
- Min CIBIL
- 720Best
- 750
- Invite only
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 77Best | 73 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 25/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | Axis Bank |
| Network | Visa | Visa |
| Card type | Co-branded | Co-branded |
| Best for | Rewards on Amazon Purchases | Flipkart and online shopping |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹500 |
| Annual fee | FreeBest | ₹500 |
| Fee waiver | FreeBest | ₹3,50,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 46%Best | 55.55% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 5% | 7.5%Best |
| Point value | ₹1 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.99%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹20,000 | ₹25,000 |
| Min CIBIL | 720Best | 750 |
| Invite only | ||
| Rows won | 08of 09 | 01of 09 |
| Key Specification | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| CardCheck Score | 77/100Very Good | 73/100Very Good |
| Annual Fee | Free (₹0) | ₹500 |
| Fee Waiver Spend | No waiver | ₹3.5L/yr |
| Max Reward Potential | 5% | 7.5% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 1.99% | 3.5% |
Choose Amazon Pay ICICI Bank Credit Card if:
Your spending centers around rewards on amazon purchases and you want direct partner rewards with ICICI Bank.
Choose Flipkart Axis Bank Credit Card if:
Your spending aligns with flipkart and online shopping and you prioritize Axis Bank's redemption benefits.
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Frequently Asked Questions: Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card
Which is better: Amazon Pay ICICI Bank Credit Card or Flipkart Axis Bank Credit Card?
Amazon Pay ICICI Bank Credit Card holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 73/100 (Very Good) for Flipkart Axis Bank Credit Card (a lead of +4 points). Amazon Pay ICICI Bank Credit Card provides better net value across rewards and fee structures.
How do annual fees and fee waiver spend rules compare?
Amazon Pay ICICI Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, Flipkart Axis Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹3.5 Lakh.
How do the reward rates and cashback compare between Amazon Pay ICICI Bank Credit Card and Flipkart Axis Bank Credit Card?
Amazon Pay ICICI Bank Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, Flipkart Axis Bank Credit Card offers a base rate of 1% and up to 7.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Amazon Pay ICICI Bank Credit Card or Flipkart Axis Bank Credit Card?
Amazon Pay ICICI Bank Credit Card provides no complimentary airport lounge access. On the other hand, Flipkart Axis Bank Credit Card provides no complimentary airport lounge access.
Which card is better for international foreign currency spends?
Amazon Pay ICICI Bank Credit Card levies a foreign currency markup fee of 1.99%, while Flipkart Axis Bank Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).