Head-to-head · 🇮🇳 India
Flipkart Axis Bank vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Flipkart Axis Bank
Wins 2 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 5 of 10
Verdict
ICICI HPCL Coral wins 5-2. Fuel-heavy spenders at HPCL pumps. Flipkart Axis Bank is still the right call if flipkart loyalists who also use myntra and cleartrip.
Side-by-side
| Criterion | Flipkart Axis Bank | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹500 | ₹199 |
| Joining fee | · ₹500 | ₹199 |
| Top reward rate | = 5% (shopping) | = 5% (fuel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹350,000 / yr | ₹50,000 / yr |
| Min income | · ₹360,000 | ₹250,000 |
| Min credit score | · 730 | 720 |
| Editorial rating | 4.4/5 | · 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
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›Flipkart Axis Bank vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (5 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 Flipkart Axis Bank for its best categories, ICICI HPCL Coral 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. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.