vs
In short: Axis Ace has the lower annual fee (₹499 vs ₹500); both charge a 3.5% forex markup.
| Key facts | Axis Ace | Axis Flipkart |
|---|---|---|
| Annual fee | ₹499 | ₹500 |
| Joining fee | ₹499 | ₹500 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹3.5 lakh annual spend |
| Top reward rate | 5% Cashback on Bill Payments Through Google Pay | 5% Cashback on Flipkart |
| Base rewards | 1.5% Cashback on Other Eligible Merchants | unlimited 1% Cashback |
| Lounge access | 4 airport lounge visits a year | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, Axis Ace returns about ₹901 more a year after annual fees (₹5,700 vs ₹4,800 in rewards).
| Spend profile | Axis Ace | Axis Flipkart |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1.5% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹3,600 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹5,700 | ₹4,800 |
| Annual fee | ₹499 | ₹500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Axis Bank Ace Visa Signature Credit Card and the Flipkart Axis Bank Credit Card both offer cashback rewards with similar top rates of 5%, but they cater to different spending preferences. The Ace card focuses on broad digital payments like Google Pay and food delivery, while the Flipkart card is more tailored to e-commerce and lifestyle spends. Both cards have comparable fees and foreign transaction charges, but differ in lounge access and welcome benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Axis Bank Ace Visa Signature Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Bank | Axis Bank | Axis Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.499 | Joining Fee of Rs.500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.499 | Second Year Onwards Annual Fee of Rs.500 |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fee Waiver | Spend Rs.3.5 Lakhs For Annual Fee Waiver |
| Top reward rate | 5% Cashback on Bill Payments Through Google Pay | Earn 5% Cashback on Flipkart |
| Base rate (other spends) | 1.5% Cashback on Other Eligible Merchants | Earn unlimited 1% Cashback |
| Lounge — domestic | Enjoy 4 Complimentary Lounge Per Calendar Year | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | — | Welcome Benefit - Flipkart Voucher worth Rs.250 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the Axis Bank Ace Visa Signature Credit Card offers a higher base cashback rate of 1.5% compared to the Flipkart Axis Bank Credit Card's 1%. Its top cashback rate of 5% applies to bill payments through Google Pay, while the Flipkart card offers 5% on Flipkart purchases and up to 7.5% on Myntra. At Rs.20,000 monthly spend, the Ace card yields about Rs.5,700 annually in rewards versus Rs.4,800 with the Flipkart card, making the Ace card more rewarding overall for diverse spending.
Regarding travel benefits, the Axis Bank Ace Visa Signature Credit Card lists 4 complimentary domestic lounge visits per calendar year. The Flipkart Axis Bank Credit Card does not list lounge access benefits in our data. Both cards charge a 3.5% forex markup fee and offer a 1% fuel surcharge waiver, making their travel-related fees similar.
Both cards have similar joining and renewal fees around Rs.499-500, with the Ace card waiving the annual fee on Rs.2 lakhs spend and the Flipkart card requiring Rs.3.5 lakhs spend for waiver. Foreign currency transaction fees and fuel surcharge waivers are identical. Given these factors, their effective costs are comparable, though the Ace card's lower waiver threshold may benefit moderate spenders.
The Flipkart Axis Bank Credit Card offers a welcome benefit of a Rs.250 Flipkart voucher, which the Axis Bank Ace card does not list. This can add immediate value for new cardholders who shop on Flipkart.
The Axis Bank Ace Visa Signature Credit Card provides 4 complimentary domestic lounge visits per calendar year, enhancing travel comfort. Lounge access is not listed in our data for the Flipkart Axis Bank Credit Card.
Consider Axis Bank Ace Visa Signature Credit Card if you want a card that rewards a variety of digital payments including Google Pay and food delivery, offers domestic lounge access, and has a lower annual fee waiver threshold. It suits users looking for broader cashback categories and occasional travel perks.
Consider Flipkart Axis Bank Credit Card if your spending is concentrated on Flipkart, Myntra, and lifestyle brands like Cult.fit and Cleartrip, and you value a welcome voucher worth Rs.250. This card is ideal for frequent online shoppers who want accelerated cashback on e-commerce and entertainment spends.
The Axis Bank Ace Visa Signature Credit Card has a joining fee and renewal fee of Rs.499, waived if you spend Rs.2 lakhs annually. The Flipkart Axis Bank Credit Card charges Rs.500 for joining and renewal, waived on Rs.3.5 lakhs annual spend.
The Axis Bank Ace card offers 1.5% cashback on general spends and 5% on bill payments via Google Pay. The Flipkart card offers 1% unlimited cashback generally and higher rates on Flipkart and Myntra purchases.
The Axis Bank Ace Visa Signature Credit Card offers 4 complimentary domestic lounge visits per year. Lounge access is not listed in our data for the Flipkart Axis Bank Credit Card.
Both cards charge a 3.5% markup fee on foreign currency transactions.
Both cards provide a 1% fuel surcharge waiver on eligible transactions.
The Flipkart Axis Bank Credit Card offers a welcome Flipkart voucher worth Rs.250, while the Axis Bank Ace card does not list a welcome benefit.