Compare Amazon Pay ICICI and Flipkart Axis: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
Flipkart partner cashback has quarterly caps. Amazon rewards are Amazon Pay balance, not statement cash. Neither is universally uncapped.
Amazon Pay ICICI Bank Credit Card is a no-annual-fee option centred on straightforward cashback, shopping rewards and online spending.
Apply for Amazon Pay ICICI →
Flipkart Axis Bank Credit Card is a paid card focused on straightforward cashback, shopping rewards and online spending, charging ₹500 annually before GST.
Apply for Flipkart Axis →Issuer MITC link checked: Amazon Pay ICICI: 2026-10-29, Flipkart Axis: 2026-10-29 | No Sponsored Ranking. Issuer record checked: Amazon Pay ICICI: 2026-10-09, Flipkart Axis: 2026-10-09. Link checks confirm document availability, not a complete re-audit of every product rule.
CardIQ may earn a commission from a live partner application link. Compensation does not determine this comparison.
Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Online scenario means eligible non-Amazon purchases earning 1%. Rewards are Amazon Pay balance valued at ₹1 per unit, not bank cash. Prime/Amazon 5% is a different basket.
Online scenario means eligible Flipkart/Cleartrip purchases only, not all online merchants; ₹4,000 quarterly cap is applied to three equal months.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | Amazon Pay ICICI Bank Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Joining fee + GST | No joining fee · ₹0.00 incl. GST | No joining fee · ₹0.00 incl. GST |
| Renewal fee + GST | No annual fee · ₹0.00 incl. GST before waiver | ₹500 + GST (waived on over ₹3.5 lakh eligible annual spend) · ₹590.00 incl. GST before waiver |
| Annual spend for renewal waiver | Not verified / not applicable; see fee wording. | Not verified / not applicable; see fee wording. |
| Base and accelerated rewards; caps | 5% Amazon rewards for Prime members; 3% for non-Prime members 1% rewards on other eligible purchases; rewards credit to Amazon Pay balance. No joining or annual fee; some Amazon categories have reduced or excluded rewards. | Myntra cashback is capped at ₹4,000 per statement quarter; Flipkart and Cleartrip each have a ₹4,000 quarterly cap. Cashback excludes utilities, telecom, fuel, insurance, rent, wallets, education, government services, gold/jewellery, EMI, cash advances, card fees and Flipkart/Myntra gift cards, among other issuer exclusions. |
| Domestic/international lounges and spend conditions | Not verified in the maintained record. Check the linked issuer terms. | Complimentary domestic lounge access was discontinued in June 2025. |
| Forex markup (+ applicable GST) | Not verified in the maintained record. Check the linked issuer terms. | 3.5% of the foreign-currency transaction value, plus applicable taxes. |
| Annual interest rate | 45% on overdue revolving credit under the linked ICICI MITC; confirm personal terms. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Utility bills & telecom | Not verified in the maintained record. Check the linked issuer terms. | Cashback excludes utilities, telecom, fuel, insurance, rent, wallets, education, government services, gold/jewellery, EMI, cash advances, card fees and Flipkart/Myntra gift cards, among other issuer exclusions. |
| Insurance premiums | Not verified in the maintained record. Check the linked issuer terms. | Cashback excludes utilities, telecom, fuel, insurance, rent, wallets, education, government services, gold/jewellery, EMI, cash advances, card fees and Flipkart/Myntra gift cards, among other issuer exclusions. |
| Government / NPS / tax payments | Not verified in the maintained record. Check the linked issuer terms. | Cashback excludes utilities, telecom, fuel, insurance, rent, wallets, education, government services, gold/jewellery, EMI, cash advances, card fees and Flipkart/Myntra gift cards, among other issuer exclusions. |
| Fuel & rent | Not verified in the maintained record. Check the linked issuer terms. | Cashback excludes utilities, telecom, fuel, insurance, rent, wallets, education, government services, gold/jewellery, EMI, cash advances, card fees and Flipkart/Myntra gift cards, among other issuer exclusions. Rent and wallet loads do not count toward the annual fee waiver. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Cashback excludes utilities, telecom, fuel, insurance, rent, wallets, education, government services, gold/jewellery, EMI, cash advances, card fees and Flipkart/Myntra gift cards, among other issuer exclusions. |
| School / education | Not verified in the maintained record. Check the linked issuer terms. | Cashback excludes utilities, telecom, fuel, insurance, rent, wallets, education, government services, gold/jewellery, EMI, cash advances, card fees and Flipkart/Myntra gift cards, among other issuer exclusions. |
| Official issuer MITC / reward documents | Issuer MITC PDF | Issuer MITC PDF Issuer benefit / terms PDF Issuer benefit / terms PDF |
Flipkart partner cashback has quarterly caps. Amazon rewards are Amazon Pay balance, not statement cash. Neither is universally uncapped.
Amazon Pay ICICI: No annual fee; renewal threshold not verified / not applicable. Flipkart Axis: ₹500 + GST (waived on over ₹3.5 lakh eligible annual spend); renewal threshold not verified / not applicable.
Amazon Pay ICICI: Not verified in the maintained record. Check the linked issuer terms. Flipkart Axis: Complimentary domestic lounge access was discontinued in June 2025.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
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