Compare Flipkart Axis Bank Credit Card vs HDFC Moneyback Credit Card

Welcome Benefits: Rs. 600 worth of joining and activation benefits
Welcome Benefits: Flipkart Axis Bank credit card comes with a host of welcome and activation benefits. Listed below are the brands associated with the benefits:Flipkart/Swiggy
Get unlimited 5% cashback on Flipkart spends
Get unlimited 4% Cashback on Preferred Merchants
Get unlimited 1.5% Cashback on other eligible categories
4 complimentary lounge visits to select airport lounges within India per Calendar year
1% fuel surcharge waiver on all fuel transactions in India
On any transaction over Rs. 2,500, convert the purchases into EMI
Indulge in delectable cuisines up to 15% off at partnered restaurants in India
Annual fee will be waived off on annual spends greater than Rs. 3,50,000

You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
Earn 2 Reward Points on every Rs 150 spent
Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25

Pros

Cons

Cashback will be in the form of Flipkart cash and only redeem on the Flipkart
3.5% foreign currency conversion fees
No cash back on fuel spend, purchase of the gold item, EMI transaction and on gift cards

Pros

Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons