Axis Bank Ace Credit Card vs Axis Bank Flipkart Credit Card : Best Cashback Credit Card in India?

Cashback credit cards are among the most popular choices for Indian consumers because they offer direct savings on everyday transactions. Two of the most demanded cashback cards in India are the Axis Bank Ace Credit Card and the Axis Bank Flipkart Credit Card. At first glance, both look appealing, but their value depends heavily on your lifestyle and spending patterns.

This detailed CardMela.com comparison will help you decide which one suits you best in 2025.

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Quick Comparison Table

Feature	Axis Bank Ace Credit Card	Axis Bank Flipkart Credit Card
Annual Fee	₹499 + GST (waived on spends of ₹10,000 within first 90 days)	₹500 + GST (waived on ₹2,00,000 annual spend)
Cashback	5% on bill payments & recharges via Google Pay, 4% on Swiggy, Zomato, Ola, 2% on all spends	5% cashback on Flipkart & Myntra, 4% on partner brands, 1.5% on all other spends
Lounge Access	4 domestic airport lounge visits per year	None
Fuel Surcharge Waiver	1% on transactions between ₹400–₹4,000	1% on transactions between ₹400–₹4,000
Best For	Everyday spending, utilities, travel benefits	Frequent Flipkart and Myntra shoppers

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Axis Bank Ace Credit Card: Complete Overview

The Axis Bank Ace Credit Card is widely regarded as one of the most versatile cashback cards in India. It was introduced in collaboration with Google Pay and quickly became popular among young professionals and families because of its flat cashback structure.

Axis Bank Ace Credit Card

Key Features:

• 5% cashback on mobile recharges, DTH payments, and bill payments via Google Pay.
• 4% cashback on Swiggy, Zomato, and Ola.
• 2% unlimited cashback on all other categories.
• 4 complimentary domestic lounge visits per year.
• Annual fee waiver if you spend ₹10,000 within 90 days of issuance.

Apply Now for Axis Bank Ace Credit Card
Apply Now!

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Axis Bank Flipkart Credit Card: Complete Overview

The Axis Bank Flipkart Credit Card is designed for e-commerce enthusiasts, especially those who shop frequently on Flipkart and Myntra. It is powered by Mastercard and backed by Axis Bank’s strong partner ecosystem, making it a rewarding option for online shoppers.

Key Features:

• 5% cashback on all Flipkart and Myntra purchases.
• 4% cashback on partner brands such as Swiggy, PVR, Uber, Cleartrip, Tata 1mg.
• 1.5% cashback on all other spends.
• Welcome benefit of ₹500 Flipkart voucher.
• Annual fee waiver on spends of ₹2,00,000 in a year.

Apply Now for Axis Bank Flipkart Credit Card
Apply Now!

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In-Depth Comparison

1. Annual Fee and Waivers

The Axis Ace Credit Card has a very simple and achievable annual fee waiver. Spending ₹10,000 in 90 days is realistic for most cardholders. In contrast, the Flipkart Card requires ₹2,00,000 annual spending to waive the fee, which is not easy for average users.

Winner: Axis Bank Ace Credit Card

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2. Cashback Rewards

• The Ace Credit Card is stronger for day-to-day payments like recharges, utility bills, Zomato, and Ola. Its 2% flat cashback on all spends is straightforward and flexible.
• The Flipkart Credit Card is unbeatable for those who shop on Flipkart and Myntra frequently, with 5% cashback directly credited as statement credit.

Winner: Depends on lifestyle

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3. Travel and Lounge Access

The Ace Credit Card offers 4 complimentary domestic lounge visits each year, which is a huge benefit for frequent travelers. The Flipkart Credit Card does not provide lounge access.

Winner: Axis Bank Ace Credit Card

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4. Fuel Benefits

Both cards provide a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.

Winner: Tie

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5. Rewards Flexibility

Both cards offer cashback in the form of statement credit, which is easy to understand and apply. However, the Ace Credit Card’s universal 2% cashback makes it slightly more flexible, especially for users who are not tied to a specific shopping platform.

Winner: Axis Bank Ace Credit Card

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Which Card Should You Choose in 2025?

• Choose Axis Bank Ace Credit Card if:
  • You want a flat and reliable cashback structure.
  • You pay most of your bills online via Google Pay.
  • You use services like Zomato, Swiggy, and Ola frequently.
  • You value complimentary airport lounge access.
• Choose Axis Bank Flipkart Credit Card if:
  • You are a regular Flipkart and Myntra shopper.
  • You want to maximize cashback from online shopping partners.
  • You are comfortable with a higher spend requirement for fee waiver.

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CardMela Expert Verdict

According to CardMela.com, if you want a universal cashback card suitable for almost all categories, the Axis Bank Ace Credit Card is the better option in 2025. It is easier to maintain, provides higher overall value, and includes lounge benefits.

On the other hand, if your expenses are dominated by Flipkart and Myntra purchases, the Axis Bank Flipkart Credit Card will give you unmatched cashback on those platforms.

Ultimately, the right choice depends on your lifestyle and spending habits. Both cards are strong in their respective areas.

Compare more cashback credit cards on CardMela.com

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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.