Flipkart Axis Bank vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Flipkart Axis Bank wins 5-3. Flipkart loyalists who also use Myntra and Cleartrip AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | Flipkart Axis Bank | AU Bank Zenith |
|---|---|---|
| Annual fee | ₹500 | · ₹7,500 |
| Joining fee | ₹500 | · ₹7,500 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 7,500 reward points + Vistara Premium Economy ticket |
| Fee waiver threshold | ₹350,000 / yr | · ₹800,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 730 | · 780 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
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
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›Flipkart Axis Bank vs AU Bank Zenith: which is better?
Flipkart Axis Bank wins on more dimensions (5 vs 3). 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 Flipkart Axis Bank for its best categories, AU Bank Zenith for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days. AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket.