Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs IDFC FIRST Power Credit Card
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, IDFC FIRST Power 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
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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
IDFC FIRST Power Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | Axis Bank Flipkart Credit Card Axis Bank | IDFC FIRST Power Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹499 |
| Fee waiver threshold | Waived at ₹3,50,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,142/yr | ₹2,750/yr |
| Online shopping | ₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333/mo | — |
| Groceries (offline) | — | ₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr) |
| Dining & delivery | ₹1,050 × 4% = ₹42/mo (₹504/yr) | — |
| Travel | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333/mo | — |
| Utilities & bills | — | ₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr) |
| Top reward rate | 5% | 21 pts/₹150 (~3.5%) |
| Primary reward cap | ₹1,333 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 2X reward points on eligible UPI and retail · cap Per IDFC MITC |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel (non-HPCL) · Insurance · Wallet |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Cap-aware split: ~₹12,930/yr combined NAV (₹7,788 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-flipkart-vs-idfc-first-powerReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Flipkart Credit Card leads IDFC FIRST Power Credit Card by about ₹2,392/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
| Feature | Axis Bank Flipkart Credit Card Axis Bank | IDFC FIRST Power Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹499 |
| Fee waiver threshold | Waived at ₹3,50,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,142/yr | ₹2,750/yr |
| Online shopping | ₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333/mo | — |
| Groceries (offline) | — | ₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr) |
| Dining & delivery | ₹1,050 × 4% = ₹42/mo (₹504/yr) | — |
| Travel | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333/mo | — |
| Utilities & bills | — | ₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr) |
| Top reward rate | 5% | 21 pts/₹150 (~3.5%) |
| Primary reward cap | ₹1,333 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 2X reward points on eligible UPI and retail · cap Per IDFC MITC |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel (non-HPCL) · Insurance · Wallet |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Power Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,142/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Flipkart Credit Card lists a minimum monthly income of ₹25,000.
- 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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