Axis Flipkart Credit Card

PhonePe HDFC Bank Ultimo Credit Card

Best For

Shopping

Online Food Ordering

Travel

Best For

Shopping

Dining

Travel

Cashback

APPLY AND GET1400 GIFT CARD

Top Benefits

  • on Uber, Swiggy, PVR and Cult.fit with unlimited earnings
  • spends capped at ₹4,000 per statement quarter

Top Benefits

  • on UPI transaction and next 10 eligible UPI transactions on PhonePe, worth ₹499 plus 10 scratch cards of ₹50 each

Welcome Benefits

Welcome Benefits

  • ₹250 Flipkart voucher on first transaction within 30 days
  • Applicable only on paid cards with joining fee
  • 50% off up to ₹100 on Swiggy for new users
  • ₹350 worth total activation benefits

Welcome Benefits

Welcome Benefits

  • PhonePe Gift Card worth ₹499 on first RuPay credit card on UPI transaction
  • Minimum transaction of ₹100 required
  • Additional 10 scratch cards worth ₹50 each on the next 10 RuPay credit card on UPI transactions

Travel Benefits

Flight Benefits

  • Up to 15% discount on flights & hotels via MakeMyTrip
  • Additional offer: 15% off up to ₹500 on eligible travel bookings

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • 10% Reward Points on PhonePe Travel & Stays flight bookings, capped at 1000 Reward Points per calendar month

Railway Benefits

  • 10% Reward Points on PhonePe Travel & Stays train bookings, capped at 1000 Reward Points per calendar month

Cab Benefits

  • 5% Reward Points on Uber spends, capped at 500 Reward Points per calendar month

Bus Benefits

  • 10% Reward Points on PhonePe Travel & Stays bus bookings, capped at 1000 Reward Points per calendar month

Lounge Benefits

Airport Lounge Benefits

  • This card does not offer any benefits in this category

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 8 complimentary domestic airport lounge visits per year
  • Limited to 2 visits per quarter
  • Eligible on spends of ₹75,000 or more in a calendar quarter

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • 50% off up to ₹100 on Swiggy for first-time users using code “AXISFKNEW”
  • 10% off on Swiggy orders every Wednesday

Dining Benefits

Dining Benefits

  • 5% Reward Points on Swiggy and Zomato spends, capped at 500 Reward Points per calendar month

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Wavier Benefits

  • 1% fuel surcharge waiver on fuel transactions across India Valid on transactions between ₹400 and ₹4,000 Maximum waiver up to ₹400 per statement cycle

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on all fuel transactions applicable on fuel transactions between ₹400–₹5,000 maximum waiver of ₹250 per statement cycle

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Bank Offers

Bank Offer

  • This card does not offer any benefits in this category

Bank Offers

Bank Offers

  • This card does not offer any benefits in this category

Joining Fee

₹500

Joining Fee

₹999

Joining Fee Waiver

₹350 worth of activation benefits a Flipkart voucher worth ₹250 on making the first transaction using the card within 30 days of card issuance

Joining Fee Waiver

Get ₹499 gift card on 1st UPI txn + ₹50 ×10 scratch cards on next spends (₹100+ each)

Annual Fee

₹500

Annual Fee

₹999

Annual Fee Waiver

The annual fee is waived if you spend ₹3.5 lakh or more in a year on your card, as per bank policy.

Annual Fee Waiver

The annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy

Minimum Age

18

Minimum Age

21

Maximum Age

70

Maximum Age

60

Income (Salaried)

3 LPA

Income (Salaried)

3 LPA

Income (Self-Employed)

3 LPA

Income (Self-Employed)

3.5 LPA

Credit Score Required

720

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

3.5%

Forex Markups

3.5%

APR Fees

3.75%

APR Fees

3.75%

ATM withdrawal

2.5%

ATM withdrawal

2.5%

Reward Redemption Fees

Not Applicable

Reward Redemption Fees

₹99

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

1%

Railway Surcharge

1%

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

₹175

Cash Payment Fees

₹100

Check Payment Fees

2%

Check Payment Fees

₹50

Max Fee

750

View Breakdown

Max Fee

1300

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

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