Axis Flipkart vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
Axis Flipkart
Why this card wins: Flipkart Loyalists — 5% unlimited cashback on Flipkart
| Feature | ||
|---|---|---|
| Bank | Axis Bank | Punjab National Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | ₹500 + GST | ₹299 + GST |
| Joining Fee | Nil | ₹99 + GST |
| Rewards | 5% unlimited cashback on Flipkart | 2 reward points per ₹100 on all spends |
| Best For | Flipkart Loyalists | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | None | None |
| Min Income | ₹15,000/month | ₹12,000/month |
| Lounge Access | 4 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.7 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis Flipkart
Flipkart Loyalists
Mastercard • Cashback
- 4% cashback on preferred partners (Swiggy, PVR)
- 1.5% unlimited cashback on basic spends
- 4 complimentary lounge visits per year
- Instant discount offers on big billion days
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, Axis Flipkart ranks highest among your selected cards. It excels at Flipkart Loyalists and offers 5% unlimited cashback on Flipkart.
Frequently asked questions
Which is better: Axis Flipkart or PNB Rupay Platinum?
Axis Flipkart has the higher CardKhoj rating (4.7/5) and is best for flipkart loyalists. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: Axis Flipkart and PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹500 + GST for Axis Flipkart.
Do Axis Flipkart and PNB Rupay Platinum offer airport lounge access?
Axis Flipkart: 4 domestic per year. PNB Rupay Platinum: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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