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4.4/ 53 cards selected · tap any row to highlight
Trending matchups
Amazon Pay ICICI Bank Credit Card
ICICI Bank
Flipkart Axis Bank Credit Card
Axis Bank
SimplyCLICK SBI Card
SBI Card
- CardCheck Score
- 77Best
- 73
- 75
- Rating Verdict
- Very Good
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 25/25
- 22/25
- 24/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- 4/20
- Forex & Access (20%)
- 14/20
- 12/20
- 12/20
- Bank
- ICICI Bank
- Axis Bank
- SBI Card
- Network
- Visa
- Visa
- Visa
- Card type
- Co-branded
- Co-branded
- Regular
- Best for
- Rewards on Amazon Purchases
- Flipkart and online shopping
- Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow
- Joining fee
- FreeBest
- ₹500
- ₹499
- Annual fee
- FreeBest
- ₹500
- ₹499
- Fee waiver
- FreeBest
- ₹3,50,000
- ₹1,00,000
- Interest-free days
- 50
- 50
- 50
- APR (min)
- 42%Best
- 45%
- 42%Best
- APR (max)
- 46%
- 55.55%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- 2.5%
- Reward type
- cashback
- cashback
- points
- Min rate
- 1%
- 1%
- 1.25%Best
- Max rate
- 5%
- 7.5%
- 10%Best
- Points / ₹100
- —
- —
- 1
- Point value
- ₹1
- —
- ₹0.25
- Monthly cap
- —
- —
- ₹5,000
- Domestic lounge / qtr
- 0
- 0
- 0
- Intl lounge / year
- 0
- —
- 0
- Priority Pass
- DreamFolks
- Forex markup
- 1.99%Best
- 3.5%
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Invite only
| Attribute ↓ | |||
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 77Best | 73 | 75 |
| Rating Verdict | Very Good | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 25/25 | 22/25 | 24/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 12/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | ICICI Bank | Axis Bank | SBI Card |
| Network | Visa | Visa | Visa |
| Card type | Co-branded | Co-branded | Regular |
| Best for | Rewards on Amazon Purchases | Flipkart and online shopping | Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow |
03—Fees Differences highlighted | |||
| Joining fee | FreeBest | ₹500 | ₹499 |
| Annual fee | FreeBest | ₹500 | ₹499 |
| Fee waiver | FreeBest | ₹3,50,000 | ₹1,00,000 |
| Interest-free days | 50 | 50 | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 42%Best | 45% | 42%Best |
| APR (max) | 46% | 55.55% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | cashback | cashback | points |
| Min rate | 1% | 1% | 1.25%Best |
| Max rate | 5% | 7.5% | 10%Best |
| Points / ₹100 | — | — | 1 |
| Point value | ₹1 | — | ₹0.25 |
| Monthly cap | — | — | ₹5,000 |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | 0 | 0 | 0 |
| Intl lounge / year | 0 | — | 0 |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 1.99%Best | 3.5% | 3.5% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Invite only | |||
| Rows won | 06of 09 | 00of 09 | 03of 09 |
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CardCheck Comparison Index & Cardholder Ratings
Rated by verified cardholders and updated daily with zero sponsored placement bias. All fee waivers, lounge quotas, and net reward earnings are computed using official RBI MITC disclosures.
Based on 111 verified cardholder ratings
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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 gains its scoring lead primarily through fee value & ROI (25 vs 22) and forex & terms (14 vs 12) while tying on lounge & travel privileges.
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).