Flipkart Axis Bank Credit Card vs HDFC RuPay UPI Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Flipkart Axis Bank Credit Card comes out ahead on estimated net value — about ₹7,300/yr more than the HDFC RuPay UPI Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Flipkart Axis Bank Credit Card Best value | HDFC RuPay UPI Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Annual fee | ₹500 / year | No annual fee |
| Welcome bonus | ₹500 Flipkart voucher | — |
| Min. income (monthly) | INR 30,000 | INR 25,000 |
| Reward type | cashback | cashback |
| Headline rate | 5% cashback | 3% cashback |
| Bonus categories | dining, myntra, online, flipkart | groceries, upi_spends |
| Lounge access | No | No |
| Foreign tx fee | 3.5% | 3.5% |
| Est. net value / yr | ₹16,180 | ₹8,880 |
| Apply | Apply |
Frequently asked questions
- Flipkart Axis Bank Credit Card vs HDFC RuPay UPI Credit Card: which is better?
- On our reference spend profile the Flipkart Axis Bank Credit Card delivers higher estimated net value than the HDFC RuPay UPI Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Flipkart Axis Bank Credit Card and HDFC RuPay UPI Credit Card?
- Flipkart Axis Bank Credit Card: ₹500 / year. HDFC RuPay UPI Credit Card: No annual fee.
- Which earns more rewards, Flipkart Axis Bank Credit Card or HDFC RuPay UPI Credit Card?
- Flipkart Axis Bank Credit Card earns 5% cashback; HDFC RuPay UPI Credit Card earns 3% cashback. We rank by net value after fees, not headline rate alone.