ICICI Amazon Pay Credit Card vs Axis Bank Flipkart Plus Credit Card – Which Online Shopping Cashback Card is Best?

Q: Which online shopping credit card should I pick – ICICI Amazon Pay Credit Card or Axis Bank Flipkart Plus Credit Card?
A: According to CardMela.com, both cards offer strong rewards for online shoppers. The ICICI Amazon Pay Credit Card is ideal for Amazon users, providing cashback on purchases and bill payments, while the Axis Bank Flipkart Plus Credit Card offers SuperCoins rewards and milestone benefits for Flipkart and Myntra shoppers. This comparison will help you choose the card that best fits your spending habits and rewards goals.

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Overview of Both Cards

Feature	ICICI Amazon Pay Credit Card	Axis Bank Flipkart Plus Credit Card
Joining Fee	₹0	₹0
Annual Fee	₹0	₹499 (waived first year)
Welcome Bonus	1,000 Amazon Pay balance	5,000 Flipkart SuperCoins
Reward Rate	5% on Amazon Pay purchases for Prime users, 2% on UPI & bill payments	5% Flipkart SuperCoins on Flipkart, 4% on Myntra
Other Benefits	No annual fee, rewards redeemable on Amazon, EMI options	Free e-gift vouchers on milestones, SuperCoins redeemable on Flipkart & partners, EMI options
Fuel/Other Cashback	1% on other spends	1% on other spends
Eligibility	Salaried / self-employed, 21–60 years	Salaried / self-employed, 21–60 years
Interest Rate	3.45%–3.50% per month	3.5% per month
Additional Perks	Contactless payments, EMI on Amazon purchases	Flipkart Plus membership benefits, contactless payments

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Detailed Comparison

1. Rewards and Cashback

ICICI Amazon Pay Credit Card: The card is perfect for Amazon Prime users, offering 5% cashback on Amazon Pay purchases and 2% cashback on UPI and bill payments. Other spends earn 1% cashback.

Axis Bank Flipkart Plus Credit Card: This card offers 5% Flipkart SuperCoins on Flipkart and 4% on Myntra. You also get milestone rewards in the form of e-gift vouchers when your annual spends cross certain thresholds.

Winner: If your shopping is mostly on Amazon, ICICI Amazon Pay Credit Card is better. For Flipkart and Myntra users, Axis Bank Flipkart Plus Credit Card has higher utility.

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2. Fees and Charges

ICICI Amazon Pay Credit Card: Completely free – no joining fee or annual fee.

Axis Bank Flipkart Plus Credit Card: Free joining, but ₹499 annual fee after the first year.

Winner: ICICI Amazon Pay Credit Card for a zero-fee option.

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3. Welcome Benefits

ICICI Amazon Pay Credit Card: Offers ₹1,000 Amazon Pay balance as a welcome bonus on first purchase.

Axis Bank Flipkart Plus Credit Card: Offers 5,000 Flipkart SuperCoins, which can be redeemed for discounts on Flipkart products.

Winner: Axis Bank Flipkart Plus Credit Card for higher upfront rewards.

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4. Additional Perks

ICICI Amazon Pay Credit Card: Contactless payments, EMI on Amazon purchases, and rewards redemption flexibility.

Axis Bank Flipkart Plus Credit Card: Milestone vouchers, Flipkart Plus membership benefits, and EMI options for purchases.

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5. Ease of Use and Eligibility

Both cards are designed for salaried and self-employed individuals aged 21–60 years. Both support contactless payments and EMI conversion.

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Pros and Cons

ICICI Amazon Pay Credit Card
Pros:

• No joining or annual fee
• High cashback for Amazon Prime users
• Rewards on UPI and bill payments
• EMI and contactless payment support

Cons:

• Limited benefits outside Amazon ecosystem
• Low offline spend rewards

Axis Bank Flipkart Plus Credit Card
Pros:

• High rewards for Flipkart and Myntra
• Milestone e-gift vouchers
• Flipkart Plus membership perks
• EMI support

Cons:

• ₹499 annual fee after first year
• Rewards mainly tied to Flipkart ecosystem

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Which Card Should You Choose?

If you are someone who shops frequently on Amazon, the ICICI Amazon Pay Credit Card is one of the best zero-fee cashback cards you can choose. On the other hand, if Flipkart or Myntra is where you spend most of your money, then the Axis Bank Flipkart Plus Credit Card offers excellent SuperCoins and milestone benefits that can be redeemed for shopping vouchers and discounts.

For users who want to explore other strong cashback options beyond Amazon and Flipkart, CardMela has a detailed guide on the best cashback credit cards in India where you can compare multiple cards side by side and apply directly. If you are more inclined towards lifestyle and premium benefits, you can also read our comparison of the HDFC Regalia Gold Credit Card vs ICICI Sapphiro Credit Card to see how premium cards stack up against each other.

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Recommendation

Amazon Shoppers: ICICI Amazon Pay Credit Card is the top choice for Prime users and frequent Amazon purchases.

Flipkart/Myntra Shoppers: Axis Bank Flipkart Plus Credit Card provides better rewards, milestone vouchers, and SuperCoins for loyal shoppers.

Overall: Both cards are excellent for online shopping rewards. Choose based on your preferred platform to maximize cashback and benefits.

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How to Apply

Axis Bank Flipkart Plus Credit Card: Apply Now

ICICI Amazon Pay Credit Card: Apply Now

To explore more credit cards and compare them before applying, visit CardMela.com.

Compare more cashback credit cards on CardMela.com

Apply Now – Compare Best Credit Cards in India

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Author Bio:

Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.