Here’s a quick visual table comparing the key features of both cards — from partner cashback rates to UPI support — all in one glance. Ideal for quick decision-making or sharing with friends. For more details, visit the official Flipkart Axis Bank Credit Card page.
🖼️ Share this chart or download the 1-page PDF summary.
Choose the Flipkart Axis Card if you frequently shop on Flipkart, Swiggy, or Myntra — it gives high rewards on select brands. Go with the ACE Credit Card if you spend more on utility bills and recharges via Google Pay.
Both cards offer excellent cashback but suit different lifestyles. Pick the one that matches your monthly expenses.
Debating between the Flipkart Axis Bank Credit Card and the Axis Bank ACE Credit Card? Both are top-rated cashback cards — but they reward different types of spending. Flipkart Axis is perfect for Flipkart, Swiggy, and Myntra users, while ACE offers 5% cashback on utility bills and recharges via Google Pay.
In this expert-backed guide, we’ll compare cashback rates, partner categories, UPI support, annual fees, and redemption ease. Full card-specific reviews will be added soon to help you dive deeper.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated June 2025
💬 Curious about monthly savings, fee waivers, or UPI limits? Scroll down to explore practical insights, visual breakdowns, and smart usage strategies.
For daily shoppers and foodies using Flipkart, Myntra, or Swiggy, the co-branded card offers 4–5% cashback. If you’re big on bill payments via Google Pay, ACE offers unbeatable 5% cashback on utilities.
UPI users will prefer ACE. But if your spending revolves around branded online platforms, Flipkart Axis outperforms.
| Spend Category | Flipkart Co-Branded Card | ACE Cashback Card |
|---|---|---|
| Flipkart, Myntra | 5% Cashback | 1.5% Cashback |
| Swiggy, Uber, PVR | 4% Cashback | 1.5% Cashback |
| Bill Payments via GPay | ❌ No Cashback | 5% Cashback |
| General Online Shopping | 1.5% Cashback | 2% Cashback |
| Offline Retail Purchases | 1% Cashback | 1% Cashback |
| UPI Transactions | ❌ Not Supported | ✔️ Supported via Google Pay (except credit card bill payments) |
| Wallet Loads, Insurance, Fuel | ❌ No Cashback | ❌ No Cashback |
📅 Fact Check (Updated: June 2025): Cashback rates verified via official Axis Bank product pages. UPI & utility spend policies last confirmed June 1, 2025.
If you’re spending ₹50,000 per month, the ACE Card earns slightly more cashback overall due to its 5% on utility bill payments. But the Flipkart Axis Card shines on specific brands like Flipkart and Swiggy with up to 5% cashback.
Choose based on where you spend more — utility bills (ACE) vs. branded online shopping (Flipkart).
Effective Cashback: ₹1,175 (Flipkart Axis) vs ₹1,350 (ACE)
| Category | Spend Amount | Partner Card Cashback | ACE Cashback |
|---|---|---|---|
| Flipkart, Swiggy, Myntra | ₹20,000 | ₹950 (5% & 4%) | ₹300 (1.5%) |
| Electricity, Broadband, Water Bills via GPay | ₹15,000 | ❌ ₹0 (Not eligible) | ₹750 (5%) |
| General Online & POS Spends | ₹15,000 | ₹225 (1.5%) | ₹300 (2%) |
| Total Monthly Cashback | ₹50,000 | ₹1,175 | ₹1,350 |
📅 Fact Check (June 2025): Cashback rates and exclusions sourced from Axis Bank official documents and verified on June 2, 2025.
In a world where mobile payments and UPI-based credit card usage are growing rapidly, choosing a card that supports contactless options is crucial. Let’s see how these two cards handle UPI linking, mobile wallet compatibility, and NFC-based payments.
| Payment Feature | Flipkart Axis Bank Card | Axis Bank ACE Card |
|---|---|---|
| UPI Linking via Credit Card | ✅ Yes (Supported on RuPay variant) | ❌ No UPI support as of June 2025 |
| Tap & Pay (NFC, Google Pay, PhonePe) | ✅ Compatible via mobile wallets (RuPay) | ✅ Works via Visa (Non-UPI only) |
| Supported Card Network | RuPay (for UPI) | Visa / Mastercard (non-UPI) |
“Does Axis Bank ACE Credit Card support UPI payments?” → No, only the RuPay variant of Flipkart Axis Bank Card supports UPI through apps like BHIM, PhonePe, and Google Pay.
🔎 Fact-check: UPI compatibility depends on the RuPay variant. Make sure you apply for the correct network option based on your usage preference. Learn more on RuPay’s official site.
Flipkart Axis offers automatic cashback adjustment in your next month’s bill. Axis ACE credits cashback directly to your statement — both are fully passive, with no manual redemption, points conversion, or reward portal hassle.
Unlike traditional rewards cards that require browsing portals or converting points, both these Axis cards offer automatic cashback handling. Here’s how they compare:
| Redemption Feature | Flipkart Axis Card | Axis ACE Card |
|---|---|---|
| Redemption Method | Auto-adjusted in next month’s statement | Credited directly to your card account |
| Reward Type | Cashback – no points or vouchers | Pure cashback – no reward portal needed |
| Manual Action Needed? | ❌ No | ❌ No |
✅ Fact Check: Redemption logic and process verified from Axis Bank official card pages as of June 2025. Cashback is processed automatically once the billing cycle ends.
The Flipkart Axis Card is more affordable for low to medium spenders, with a ₹500 fee. The Axis ACE Credit Card costs ₹499, but its waiver condition is more achievable — just ₹2L annual spend vs some cards that don’t offer a waiver at all.
If you’re trying to minimize card ownership costs while still earning cashback, here’s how these two compare based on their annual fees and waiver criteria:
| Fee Component | Flipkart Axis Card | Axis ACE Card |
|---|---|---|
| Joining Fee | ₹500 + GST | ₹499 + GST |
| Renewal Fee (Year 2+) | ₹500 + GST | ₹499 + GST |
| Waiver Condition | Spend ₹2L in a card anniversary year | Spend ₹2L in a card anniversary year |
| Best for Budget Users? | Yes – strong rewards + lower net cost | Yes – great value for bill payers |
✅ Fact Check: Annual fees and waiver details are verified from Axis Bank’s official Flipkart Axis and ACE Credit Card product pages as of June 2025.
Both Flipkart Axis and Axis ACE Credit Cards offer automatic cashback redemption — no need to log in, track points, or convert rewards. Flipkart Axis adjusts your cashback in the next billing statement, while ACE cashback appears directly in your credit card summary.
If you’re wondering how cashback is processed without any manual steps, here’s a simple visual and step-by-step walkthrough.
📚 Explore more zero-effort cashback cards →
✅ Fact Check: Cashback methods and redemption timelines verified from Axis Bank product disclosures and FAQs, updated June 2025.
Use this calculator to estimate how many months it’ll take to recover your annual card fee through cashback. Flipkart Axis needs ₹500 recovery; Axis ACE needs ₹499. Results vary based on your spend on Flipkart vs bill payments via Google Pay.
Wondering how much you need to spend monthly to recover the annual fee? Enter your spending details below and we’ll estimate the breakeven timeline using real cashback categories.
Want to double-check fee details? Visit
Flipkart Axis Card page or
Axis ACE Card page.
Flipkart Axis: --
Axis Bank ACE: --
🔍 Note: Enter how much you typically spend on Flipkart/Myntra or utility bills via GPay. Remaining spend is treated as standard online.
✅ Fact Check: Cashback rates, exclusions, and fees verified from Axis Bank sites (Flipkart & ACE), as of June 2025.
The Flipkart Axis Card is well-suited for digital-savvy applicants with basic documents and stable income. The Axis ACE Card may require higher income proof, and favors salaried individuals applying through a valid credit bureau profile. Both offer fast, fully online KYC approval.
Before applying for either card, review the eligibility checklist, required documents, and application method. Here’s a voice search–optimized breakdown based on common user scenarios.
📌 Apply via the official Flipkart Axis Card page.
📌 Apply online at the Axis ACE Card portal or via the Axis Mobile app.
✅ Fact Check: Eligibility criteria verified from Axis Bank product pages as of June 2025. | ✍️ Written by Tausif Shaikh
Pick Flipkart Axis if your spending revolves around Flipkart, Swiggy, or Myntra. Choose Axis ACE if you mostly pay utility bills or want universal cashback via Google Pay. For maximum benefits, combine both based on where you spend most.
Still debating between the Flipkart Axis Bank Credit Card and the Axis Bank ACE Credit Card? Here’s a personalized verdict based on your lifestyle and spending habits:
| Spending Type | Recommended Card | Why? |
|---|---|---|
| 🛍️ Flipkart / Swiggy / Myntra Users | Flipkart Axis ✅ | 4–5% cashback on specific partner brands, highest brand-linked ROI |
| 📱 Utility Bills / Recharge / GPay Payments | Axis ACE ✅ | 5% cashback via Google Pay, covers electricity, DTH, gas, etc. |
| 💳 Low Annual Spending (< ₹2L/year) | Flipkart Axis ✅ | Lower fee (₹500 vs ₹499), same waiver condition, better partner perks |
| 🎯 Cashback on Other Online Spends (Amazon, YouTube, IRCTC) | Axis ACE ✅ | 2% on all GPay spends (non-utility) — broader acceptance vs Flipkart card |
📌 Pro Tip: Use Flipkart Axis for partner brands and Axis ACE for everyday payments via Google Pay. This way, you maximize rewards across all spend types.
✅ Fact Check: Cashback rates, brand coverage, and fee conditions verified from official Axis Bank websites as of June 2025.
This user prefers Flipkart Axis for Swiggy, Myntra, and Flipkart offers, while using ACE Credit Card for Google Pay bill payments. Using both cards smartly helps maximize cashback across groceries, food, and utilities. UPI is supported only on Flipkart Axis; ACE works best on GPay platforms.
“I rely on the Flipkart Axis Card for shopping on Myntra and ordering from Swiggy — the 5% cashback shows up without effort. For electricity, gas, and broadband bills, I switch to the ACE card via Google Pay. Having both gives me the best of both worlds.”
— Ritika M., Verified Cardholder | 🗓️ Reviewed May 2025
📌 This is one user’s personal cashback strategy — your ideal setup may differ based on where you spend. Review your top categories before choosing.
✅ Fact Check: Cashback limits, eligible categories, and payment compatibility validated from Axis Bank product pages as of June 2025.
Flipkart Axis works best for partner brand users (Flipkart, Swiggy, Myntra) and those who want UPI functionality. Axis ACE is ideal for bill payments via Google Pay and general offline/online spenders looking for flat rewards across utility categories.
Here’s a concise comparison of strengths and limitations for both cards — use this to match with your specific spending style and financial goals:
| Feature | Flipkart Axis Bank Card | Axis Bank ACE Credit Card |
|---|---|---|
| ✅ Pros |
|
|
| ❌ Cons |
|
|
✅ Fact Check: Cashback rates, exclusions, annual fees, and UPI/GPay compatibility verified from Axis Bank’s official website as of June 2025.
🟡 TL;DR: Go with the Flipkart Axis Credit Card if your top spend categories are Flipkart, Swiggy, or Myntra — it gives targeted cashback and UPI compatibility with a low ₹500 fee. Choose Axis Bank ACE Credit Card if you pay bills via Google Pay and want flat 5% cashback on utilities and recharges — ideal for broader usage beyond brands.
💡 Pro Tip: Want maximum savings? Combine both cards. Use Flipkart Axis for brand offers and ACE Card for everyday bills and non-branded platforms through GPay.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated: June 2025
✅ Fact Check: Cashback rates, fee waivers, and exclusions validated from Axis Bank’s official credit card terms.
Want to compare offline or share with someone? Download our neatly formatted PDF that includes all key features, cashback rates, UPI support, and expert verdict — updated for June 2025.
By downloading, you agree to our affiliate disclosure. This summary is for informational purposes only and may not reflect the latest bank policy updates.
✅ Fact Check: All data compiled in the PDF has been sourced from official Axis Bank and Flipkart partners as of June 2025.
If you’re unsure which one to pick, here’s a tip: Go with Flipkart Axis if you spend regularly on Flipkart, Swiggy, or Myntra. Choose Axis ACE if you prefer using Google Pay (GPay) for paying bills like electricity, broadband, and mobile recharge.
📌 Disclaimer: These are affiliate links. We may earn a commission when you apply, at no additional cost to you. This helps us publish unbiased comparisons like this.
✅ Fact Check: Cashback rates and links verified on Axis Bank’s official website as of June 2025.
👤 Reviewed by Tausif Shaikh · Source: Updatepedia · Updated June 2025
📅 Verified: June 2025 | 🔍 Fact Check: All data confirmed from Axis Bank’s official website and T&C documents as of June 2025.
👤 Reviewed by Tausif Shaikh · Source: Updatepedia · Updated June 2025
Still not convinced by either the Flipkart Axis or Axis ACE Credit Card?
Here are 3 powerful alternatives designed for different spending needs — whether you value lifetime free cards, pay bills on GPay, or want a premium-looking cashback card.
| Credit Card | Why It’s a Great Alternative |
|---|---|
| Axis Bank ACE Credit Card | ✅ 5% cashback on electricity, gas, broadband & DTH via Google Pay ✅ Perfect for bill payers looking for max rewards |
| Amazon Pay ICICI Credit Card | ✅ Lifetime free card with 5% cashback for Prime users on Amazon ✅ Ideal for frequent Amazon shoppers & Pay Later users |
| HDFC Millennia Credit Card | ✅ 5% cashback on Amazon, Flipkart, Swiggy & Zomato ✅ Stylish metal-like design preferred by Gen Z and young professionals |
💡 Tip: You can mix and match — for example, pair Flipkart Axis with HDFC Millennia to cover both Flipkart and Swiggy + Zomato spend zones.
✅ Fact Check: Card features verified from Axis Bank, ICICI Bank, and HDFC Bank official websites as of June 2025.
👤 Reviewed by Tausif Shaikh · Source: Updatepedia · Updated June 2025
Still comparing cashback credit cards or want a deeper look into Flipkart Axis and ACE? Explore these detailed reviews and guides:
✅ Fact Check: All linked articles are written and reviewed by the Updatepedia editorial team and updated as of June 2025 for accuracy.
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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