Axis Bank Rewards Credit Card vs Bandhan Bank Flare Credit Card
Axis Bank · Bandhan Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹1,000
Max Reward16%
Bandhan BankScoreVery Good
Annual Fee₹2,499
Max Reward2.5%
Axis Bank Rewards Credit Card leads overall with a CardCheck Score of 82/100 (+10 pts over Bandhan Bank Flare Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs BandhanReward Power
35%Axis35/35
Bandhan24/35
Axis Wins
Fee Value & ROI
25%Axis20/25
Bandhan18/25
Axis Wins
Lounge & Travel
20%Axis15/20
Bandhan18/20
Bandhan Wins
Forex & Access
20%Axis12/20
Bandhan12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 82Best
- 72
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 35/35
- 24/35
- Fee Value & ROI (25%)
- 20/25
- 18/25
- Lounge & Travel (20%)
- 15/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- Bandhan Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Premium
- Best for
- Everyday reward points with accelerated earning on dining & shopping
- Travel and dining rewards
03—Fees
- Joining fee
- ₹1,000Best
- ₹2,499
- Annual fee
- ₹1,000Best
- ₹2,499
- Fee waiver
- ₹2,00,000Best
- ₹6,00,000
04—Interest
- APR (min)
- 55.55%
- 24%Best
- APR (max)
- 55.55%
- 42%Best
- Late payment fee
- ₹1,000Best
- ₹1,100
- Cash advance fee
- 2.5%Best
- 3.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.6%Best
- 1.25%
- Max rate
- 16%Best
- 2.5%
- Points / ₹100
- 1.6
- 5Best
- Point value
- ₹0.2
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- 4Best
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- —
- 4
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.99%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹1,00,000
- Invite only
Rows won
08of 13
05of 13
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 82Best | 72 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 35/35 | 24/35 |
| Fee Value & ROI (25%) | 20/25 | 18/25 |
| Lounge & Travel (20%) | 15/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | Bandhan Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Premium |
| Best for | Everyday reward points with accelerated earning on dining & shopping | Travel and dining rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹2,499 |
| Annual fee | ₹1,000Best | ₹2,499 |
| Fee waiver | ₹2,00,000Best | ₹6,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 24%Best |
| APR (max) | 55.55% | 42%Best |
| Late payment fee | ₹1,000Best | ₹1,100 |
| Cash advance fee | 2.5%Best | 3.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.6%Best | 1.25% |
| Max rate | 16%Best | 2.5% |
| Points / ₹100 | 1.6 | 5Best |
| Point value | ₹0.2 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | 4Best |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | — | 4 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.99%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹1,00,000 |
| Invite only | ||
| Rows won | 08of 13 | 05of 13 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Rewards Credit Card | Bandhan Bank Flare Credit Card |
|---|---|---|
| CardCheck Score | 82/100Excellent | 72/100Very Good |
| Annual Fee | ₹1,000 | ₹2,499 |
| Fee Waiver Spend | ₹2L/yr | ₹6L/yr |
| Max Reward Potential | 16% | 2.5% |
| Domestic Lounge Access | 2 / quarter | 4 / quarter |
| International Lounge | None | 4 / year |
| Forex Markup Fee | 3.5% | 1.99% |
Choose Axis Bank Rewards Credit Card if:
Your spending centers around everyday reward points with accelerated earning on dining & shopping and you want direct partner rewards with Axis Bank.
Choose Bandhan Bank Flare Credit Card if:
Your spending aligns with travel and dining rewards and you prioritize Bandhan Bank's redemption benefits.
Popular Comparisons for Axis Bank Rewards Credit Card
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Popular Comparisons for Bandhan Bank Flare Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Axis Bank Rewards Credit Card vs Bandhan Bank Flare Credit Card
- Which is better: Axis Bank Rewards Credit Card or Bandhan Bank Flare Credit Card?
- Axis Bank Rewards Credit Card holds a higher overall rating with a CardCheck Score of 82/100 (Excellent) compared to 72/100 (Very Good) for Bandhan Bank Flare Credit Card (a lead of +10 points). Axis Bank Rewards Credit Card gains its scoring lead primarily through reward potential (35 vs 24) and fee value & ROI (20 vs 18) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Rewards Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, Bandhan Bank Flare Credit Card charges an annual fee of ₹2,499 with an annual spend threshold of ₹6 Lakh.
- How do the reward rates and cashback compare between Axis Bank Rewards Credit Card and Bandhan Bank Flare Credit Card?
- Axis Bank Rewards Credit Card offers a base reward rate of 1.6% and up to 16% on accelerated partner categories. Meanwhile, Bandhan Bank Flare Credit Card offers a base rate of 1.25% and up to 2.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Rewards Credit Card or Bandhan Bank Flare Credit Card?
- Axis Bank Rewards Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year). On the other hand, Bandhan Bank Flare Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 4 international lounge visits/year.
- Which card is better for international foreign currency spends?
- Axis Bank Rewards Credit Card levies a foreign currency markup fee of 3.5%, while Bandhan Bank Flare Credit Card charges 1.99%. 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).