ICICI Sapphiro vs Axis Flipkart vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
Our Pick
Axis Flipkart
4.7
Why this card wins: Flipkart Loyalists — 5% unlimited cashback on Flipkart
| Feature | ICICI Sapphiro | Axis Flipkart | PNB Rupay Platinum |
|---|---|---|---|
| Bank | ICICI Bank | Axis Bank | Punjab National Bank |
| Card Type | Premium | Cashback | Entry Level |
| Annual Fee | ₹3,500 + GST | ₹500 + GST | ₹299 + GST |
| Joining Fee | ₹3,500 + GST | Nil | ₹99 + GST |
| Rewards | 2-4 PAYBACK points per ₹100 | 5% unlimited cashback on Flipkart | 2 reward points per ₹100 on all spends |
| Best For | Travel & Lifestyle | Flipkart Loyalists | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | Vouchers worth ₹9,000+ | None | None |
| Min Income | ₹50,000/month | ₹15,000/month | ₹12,000/month |
| Lounge Access | 16 domestic + 4 international per year | 4 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹500 + GST | Free | Free |
| Rating | 4.4 | 4.7 | 3.9 |
| Contactless | |||
| EMI Conversion |
Key Features
ICICI Sapphiro
Travel & Lifestyle
Visa • Premium
- Buy 1 Get 1 Free on movie tickets (BookMyShow)
- Dreamfolks Membership for lounges
- 4 domestic lounge visits per quarter
- Welcome vouchers worth ₹9000+
Our Pick
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.