Flipkart Axis Bank vs Axis Reserve
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 Axis Reserve is still the right call if invitation-only super-premium — for ₹25l+/year spenders..
Side-by-side
| Criterion | Flipkart Axis Bank | Axis Reserve |
|---|---|---|
| Annual fee | ₹500 | · ₹50,000 |
| Joining fee | ₹500 | · ₹50,000 |
| Top reward rate | = 5% (shopping) | = 5% (general) |
| Base reward rate | · 1.5% | 5% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | ₹350,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹360,000 | · ₹5,000,000 |
| Min credit score | 730 | · 820 |
| Editorial rating | · 4.4/5 | 4.7/5 |
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
Axis Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
FAQ
›Flipkart Axis Bank vs Axis Reserve: 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, Axis Reserve 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. Axis Reserve: 50,000 EDGE points + Taj Epicure membership.