Axis Ace vs Flipkart Axis Bank Credit Card

Axis Bank Ace vs Flipkart Axis Credit Cards

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.

LTF IndusInd Bank Credit Cards
Axis Bank Ace Credit CardFlipkart Axis Bank Credit Card
Joining FeeRs 499+GSTRs 500+GST
Annual FeeRs 499+GSTRs 500+GST
Welcome BenefitJoining Fee reversed upon spending Rs 10,000 within 45 daysRs 500 Flipkart GV

15% cashback up to Rs 500 on the first Myntra transaction using this credit card
Annual Fee WaiverSpend Rs 2 Lakhs in a membership yearSpend Rs 2 Lakhs in a membership year
Axis Ace vs Flipkart Axis Bank Credit Card

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.

CategoryAxis Bank Ace Credit CardFlipkart Axis Bank Credit Card
Shopping2%5% for Flipkart and Myntra
Bill Payments5%1.5% for Smart Store – Bills and Recharges
Swiggy4%4%
Zomato, Ola4%1.5%
Tata Play5%4%
Uber, PVR, Curefit, Cleartrip2%4%
Other Spends2%1.5%
Cap on CashbackNoneNone
Fuel, Wallet, Jewellery, Rent0%Zero
Insurance0%1.5%
Cashback Comparision – Axis Bank Ace vs Flipkart Axis Bank Credit Cards

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.

LTF IDFC First Bank Credit Cards
Axis Bank Ace Credit CardFlipkart Axis Bank Credit Card
Max benefit per statementRs 500Rs 400
Fuel Surcharge Waiver- Axis Bank Ace vs Flipkart Axis Bank Credit Card

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.

AU Bank Xcite Ace Axis Bank My Zone Credit Card LTF
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4 thoughts on “Axis Ace vs Flipkart Axis Bank Credit Card”

  1. Thank you.. Your write-up was clear and had all the information I needed for clarification, before I could decide on ACE over FK.
    Though I don’t (and won’t) use GPay, I’m going with ACE primarily for the other category 2% uncapped rewards.

  2. 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

  3. if insurance amount paid through Axis Flipkart card? will it be eligible for 1.5% cashback?

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