In the world of online shopping, credit cards have become an indispensable tool for e-commerce enthusiasts. With the growth of digital shopping platforms like Amazon and Flipkart, many financial institutions have collaborated with these e-commerce giants to provide co-branded credit cards that offer exclusive benefits.

Among the most popular cards for online shoppers are the ICICI Amazon Pay Credit Card and the Axis Flipkart Credit Card. Both of these credit cards offer fantastic perks, cashback, and discounts, but which one is better for you? In this article, we’ll dive deep into the features, benefits, and differences between these two cards, helping you make an informed choice.

ICICI Amazon Pay Credit Card

The ICICI Amazon Pay Credit Card is a collaboration between ICICI Bank and Amazon, designed to reward users for their Amazon purchases. This card offers a variety of cashback rewards, especially on Amazon-related transactions, making it highly attractive to regular Amazon shoppers.

Key Features

• Rewards Program: The card offers 5% cashback on Amazon.in purchases for Prime members and 3% cashback for non-Prime members. For purchases made on other platforms, users get 1% cashback.
• Cashback Redemptions: Cashback earned through the ICICI Amazon Pay Credit Card is credited directly to the Amazon Pay balance, where it can be used to pay for future purchases on Amazon.
• Annual Fee: The card has no annual fee for Prime members, making it more attractive for those who are already members of Amazon Prime. Non-Prime members, however, incur a nominal annual fee.
• Additional Benefits: The card provides other Amazon-specific perks, including exclusive deals on Amazon and special offers during sales events.
• EMI Option: The card also comes with EMI conversion options for high-value purchases on Amazon, allowing users to pay in easy installments.

Eligibility

• The applicant must be between 18 and 60 years old.
• The card is available to salaried and self-employed individuals with a minimum annual income of ₹3 lakh.

Axis Flipkart Credit Card

The Axis Flipkart Credit Card is a joint offering from Axis Bank and Flipkart, designed to enhance the shopping experience for Flipkart enthusiasts. It comes with a host of rewards and discounts for users who frequently shop on Flipkart and its affiliate platforms like Myntra and Jabong.

Key Features

• Rewards Program: The Axis Flipkart Credit Card offers 5% cashback on Flipkart and Myntra purchases, along with 1.5% cashback on other online spending.
• Cashback Redemptions: The cashback can be redeemed for Flipkart gift vouchers, which can be used for future shopping on Flipkart or Myntra.
• Annual Fee: The Axis Flipkart Credit Card charges an annual fee, but this can be waived off if the user spends ₹2,00,000 or more in a year.
• Additional Benefits: The card offers additional benefits like priority customer support, discounts on partner brands, and exclusive sales access on Flipkart and Myntra.
• EMI Option: Axis Flipkart Credit Card also provides the flexibility to convert purchases into easy EMI installments.

Eligibility

• The applicant must be a resident of India, between 21 and 60 years of age.
• A minimum annual income of ₹4 lakh is required to be eligible for this card.

Detailed Comparison

To help you decide which card suits your shopping style, here is a detailed comparison of the ICICI Amazon Pay Credit Card and the Axis Flipkart Credit Card:

Feature	ICICI Amazon Pay Credit Card	Axis Flipkart Credit Card
Best for	Amazon shoppers and Prime members	Flipkart, Myntra, and e-commerce enthusiasts
Cashback on Amazon	5% for Prime members, 3% for non-Prime members	Not applicable
Cashback on Flipkart	1%	5% on Flipkart and Myntra purchases
Cashback on Other Purchases	1% on other online spending	1.5% on other online spending
Annual Fee	Nil for Prime members, ₹500 for non-Prime members	₹500 (waived off on spending ₹2,00,000 annually)
Cashback Redemption	Amazon Pay balance, redeemable on Amazon purchases	Flipkart gift vouchers, redeemable on Flipkart and Myntra
EMI Option	Available for high-value Amazon purchases	Available for high-value Flipkart purchases
Additional Benefits	Exclusive Amazon offers, Prime membership benefits	Discounts on partner brands, Flipkart-exclusive deals
Eligibility	Minimum income ₹3 lakh, aged between 18 and 60 years	Minimum income ₹4 lakh, aged between 21 and 60 years

Cashback Comparison: Which Card is More Rewarding?

When it comes to cashback, the two cards offer differing incentives based on where you shop.

• ICICI Amazon Pay Credit Card: If you are an Amazon Prime member, you will earn 5% cashback on all Amazon purchases. For non-Prime members, the cashback drops to 3%. This makes the ICICI card a great option for those who are committed to shopping on Amazon regularly. Even for other online purchases, users earn a modest 1% cashback.
• Axis Flipkart Credit Card: On the other hand, the Axis Flipkart Credit Card gives 5% cashback for purchases made on Flipkart and Myntra, and 1.5% cashback on other online spending. If you prefer shopping on Flipkart or Myntra, this card offers significant rewards.

Thus, your cashback earning potential greatly depends on which platform you shop on more frequently. If you’re a regular Amazon shopper, the ICICI card is ideal, while the Axis card is more rewarding for Flipkart and Myntra customers.

Who Should Choose ICICI Amazon Pay Credit Card?

• Amazon Prime Members: If you are already an Amazon Prime member, the ICICI Amazon Pay Credit Card offers the best cashback (5%) on all Amazon purchases. It makes sense to leverage this card to enhance your shopping experience while maximizing savings.
• Frequent Amazon Shoppers: Whether you’re buying gadgets, clothes, or groceries, if your shopping is mostly done on Amazon, this card is a perfect fit.
• Amazon Pay Users: The cashback earned through the ICICI card is credited directly to Amazon Pay, which you can use for future purchases on Amazon. This is particularly convenient for those who already use Amazon Pay as their primary mode of payment.

Who Should Choose Axis Flipkart Credit Card?

• Flipkart and Myntra Shoppers: If you shop more frequently on Flipkart or Myntra, the Axis Flipkart Credit Card will reward you with 5% cashback, which is higher than what the ICICI card offers for non-Amazon purchases.
• Brand Enthusiasts: Axis Flipkart Credit Card provides exclusive discounts on Flipkart and Myntra products, making it an attractive option for people who want to take advantage of these platforms’ sales and discounts.
• Non-Prime Shoppers: If you’re not a Prime member on Amazon but frequently shop on Flipkart, the Axis Flipkart Credit Card can give you more value with its consistent 5% cashback on Flipkart-related purchases.

Which Card is Right for You?

Both the ICICI Amazon Pay Credit Card and the Axis Flipkart Credit Card offer excellent benefits for e-commerce shoppers, but they cater to different needs.

• If you are an Amazon Prime member or if Amazon is your primary shopping destination, the ICICI Amazon Pay Credit Card is likely the better choice due to the high cashback on Amazon purchases and no annual fee for Prime members.
• On the other hand, if you are a frequent shopper on Flipkart and Myntra, or if you prefer Flipkart’s rewards and deals, then the Axis Flipkart Credit Card offers great cashback and additional perks that you will appreciate.