Of late, Axis Bank has been introducing some good credit cards in the entry-level segment. Flipkart Axis Bank and Ace credit cards are two such cards that give at least 1.5% cashback on day-to-day spending. Here is a detailed comparison of the Axis Ace vs Flipkart Axis Bank credit cards.
Fees & Charges
Both are entry-level credit cards and charge a similar joining/annual fee.
| Axis Bank Ace Credit Card | Flipkart Axis Bank Credit Card | |
|---|---|---|
| Joining Fee | Rs 499+GST | Rs 500+GST |
| Annual Fee | Rs 499+GST | Rs 500+GST |
| Welcome Benefit | Joining Fee reversed upon spending Rs 10,000 within 45 days | Rs 500 Flipkart GV 15% cashback up to Rs 500 on the first Myntra transaction using this credit card |
| Annual Fee Waiver | Spend Rs 2 Lakhs in a membership year | Spend Rs 2 Lakhs in a membership year |
Cashback
Both Ace and Flipkart Axis are cashback cards. The least cashback rate for the Flipkart Axis credit card is 1.5% while for Ace it is 2%.
But their approach to cashback is quite different. So, if you are looking to maximize the cashback on your spending then you need to get both cards. We can get 5% on bills with Ace and 5% on shopping from Flipkart and Myntra. But, Ace is more important as utility bills are an essential expense for all.
| Category | Axis Bank Ace Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Shopping | 2% | 5% for Flipkart and Myntra |
| Bill Payments | 5% | 1.5% for Smart Store – Bills and Recharges |
| Swiggy | 4% | 4% |
| Zomato, Ola | 4% | 1.5% |
| Tata Play | 5% | 4% |
| Uber, PVR, Curefit, Cleartrip | 2% | 4% |
| Other Spends | 2% | 1.5% |
| Cap on Cashback | None | None |
| Fuel, Wallet, Jewellery, Rent | 0% | Zero |
| Insurance | 0% | 1.5% |
Fuel Surcharge Waiver
Both cards provide a 1% surcharge waiver for fuel purchases. It is valid for all transactions between Rs 400 to Rs 4000.
| Axis Bank Ace Credit Card | Flipkart Axis Bank Credit Card | |
|---|---|---|
| Max benefit per statement | Rs 500 | Rs 400 |
Complimentary Airport Lounge Access
Both Ace and Flipkart Axis cards offer 4 complimentary domestic airport lounge visits in India per calendar year.
Which is better – Axis Ace or Flipkart Axis credit card?
Both cards take a different approach to cashback. There is no clear winner here but it all depends on the category where your spending is higher.
I would prefer the Axis Ace credit card for the simple reason that we tend to shop from Flipkart only during festive sales. At this time, we can use the card on which the 10% instant discount is running. You can also have a look at the SBI Cashback card now instead of the Flipkart Axis card to get 5% cash back on all online merchants instead of just Flipkart.
3 thoughts on “Axis Ace vs Flipkart Axis Bank Credit Card”
Does it make sense to keep axis Ace of axis Flipkart, when axis magnus is already there with user?
For example 1L milestone will not be able to hit. Should i use axis Flipkart or still continue spend with magnus card in this scenario
if insurance amount paid through Axis Flipkart card? will it be eligible for 1.5% cashback?
It should. Not excluded as per current cashback T&C.