Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs IndusInd Bank Platinum Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, IndusInd Bank Platinum Credit Card, IRCTC ICICI Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹5,080/yr.
| Feature | Axis Bank Flipkart Credit Card Axis Bank | IndusInd Bank Platinum Credit Card IndusInd Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹20/yr | ₹880/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Travel | — | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 5% | 1 reward point/₹150 | 10% reward points |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Platinum Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Flipkart Credit Card
Axis Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹20/yr | ₹880/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Travel | — | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 5% | 1 reward point/₹150 | 10% reward points |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-flipkart-vs-indusind-platinum-vs-irctc-iciciMore Axis Bank Flipkart Credit Card comparisons
- Axis Bank Flipkart Credit Card vs 811 Dream Different Credit Card
- Axis Bank Flipkart Credit Card vs AU Altura Credit Card
- Axis Bank Flipkart Credit Card vs AU Zenith Credit Card
- Axis Bank Flipkart Credit Card vs American Express Gold Card
- Axis Bank Flipkart Credit Card vs American Express Platinum Travel Card
- Axis Bank Flipkart Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Flipkart Credit Card vs Amex Membership Rewards CC
- Axis Bank Flipkart Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Magnus Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank My Zone Credit Card