Flipkart Axis Bank vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Flipkart Axis Bank wins 7-0. Flipkart loyalists who also use Myntra and Cleartrip ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | Flipkart Axis Bank | ICICI Rubyx |
|---|---|---|
| Annual fee | ₹500 | · ₹2,000 |
| Joining fee | ₹500 | · ₹3,000 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | = ₹350,000 / yr | = ₹350,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 730 | · 760 |
| 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 Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›Flipkart Axis Bank vs ICICI Rubyx: which is better?
Flipkart Axis Bank wins on more dimensions (7 vs 0). 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 Rubyx 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 Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.