Flipkart Axis Bank vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wow wins 5-4. Secured card backed by FD — accessible to thin-credit-file applicants. Flipkart Axis Bank is still the right call if flipkart loyalists who also use myntra and cleartrip.
Side-by-side
| Criterion | Flipkart Axis Bank | IDFC FIRST Wow |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | ₹350,000 / yr | · N/A (no fee) |
| Min income | · ₹360,000 | — |
| Min credit score | · 730 | 600 |
| 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
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›Flipkart Axis Bank vs IDFC FIRST Wow: which is better?
IDFC FIRST Wow wins on more dimensions (5 vs 4). 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, IDFC FIRST Wow 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. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.