Head-to-head · 🇮🇳 India
Axis ACE vs Flipkart Axis Bank
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis ACE
VISA
Wins 4 of 10
IN
Axis Bank
Flipkart Axis Bank
Wins 2 of 10
Verdict
Axis ACE wins 4-2. Bill payments + utilities + fuel — set-and-forget cashback Flipkart Axis Bank is still the right call if flipkart loyalists who also use myntra and cleartrip.
Side-by-side
| Criterion | Axis ACE | Flipkart Axis Bank |
|---|---|---|
| Annual fee | ₹499 | · ₹500 |
| Joining fee | ₹499 | · ₹500 |
| Top reward rate | · 4% (fuel) | 5% (shopping) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days |
| Fee waiver threshold | ₹200,000 / yr | · ₹350,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | · 750 | 730 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic lounge visits per year
- 1% fuel surcharge waiver
FAQ
›Axis ACE vs Flipkart Axis Bank: which is better?
Axis ACE wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, Flipkart Axis Bank for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days.