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Axis Bank Flipkart Credit Card vs HDFC Bharat Cashback Credit Card

Honest side-by-side comparison of Axis Bank Flipkart Credit Card, HDFC Bharat Cashback Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Axis Bank Flipkart Credit Card

Axis Bank

HDFC Bharat Cashback Credit Card

HDFC Bank

Your adjusted comparison

Feature
Axis Bank Flipkart Credit Card

Axis Bank Flipkart Credit Card

Axis Bank

HDFC Bharat Cashback Credit Card

HDFC Bharat Cashback Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹25,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹9,660/yr₹3,670/yr
Online shopping₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo—
Fuel—₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo
Top reward rate5%5% cashback
Primary reward cap₹1,333 rewards/mo cap₹250 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Rent · Wallet loads · Insurance
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Cap-aware split: ~₹10,870/yr combined NAV (₹1,210 vs best solo). Both annual fees apply.

Axis Bank Flipkart Credit Card details →HDFC Bharat Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Flipkart Credit Card leads HDFC Bharat Cashback Credit Card by about ₹5,990/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis Bank Flipkart Credit Card vs HDFC Bharat Cashback Credit Card comparison table
FeatureAxis Bank Flipkart Credit Card

Axis Bank

HDFC Bharat Cashback Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹25,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹9,660/yr₹3,670/yr
Online shopping₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo—
Fuel—₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo
Top reward rate5%5% cashback
Primary reward cap₹1,333 rewards/mo cap₹250 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Rent · Wallet loads · Insurance
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
Axis Bank Flipkart Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
Axis Bank Flipkart Credit Card leads with an estimated ₹9,660/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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