Flipkart Axis Bank Credit Card vs RBL Bank Cookies Credit Card
How Flipkart Axis Bank Credit Card and RBL Bank Cookies Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: Flipkart Axis Bank Credit Card costs ₹500 + GST (waived on ₹3.5L annual spend) and RBL Bank Cookies Credit Card costs ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. — both waivable on spend, so the rewards decide it.
Flipkart Axis Bank Credit Card — better for flipkart and myntra shoppers who also use swiggy, uber and pvr.
RBL Bank Cookies Credit Card — better for first-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on zomato, uber and myntra and want simple 10% app cashback.
Side by side
| Flipkart Axis Bank Credit CardAxis Bank | RBL Bank Cookies Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹500 + GST (waived on ₹3.5L annual spend) | ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. |
| Reward rate | 5% Flipkart/Cleartrip, 7.5% Myntra (capped); 4% partners; 1% else | 5 Reward Points per ₹100 online, 1 RP per ₹100 offline on eligible categories; 1 RP = approx ₹0.20-0.25 (official page states up to ₹0.20, aggregators cite ₹0.25); ₹99 + GST redemption fee. |
| Lifetime-free | No | No |
| Network | Mastercard | Visa |
| Eligibility | 18–70 yrs; ≈₹15,000+/mo (aggregator-sourced) | Approx age 21-65; salaried or self-employed with a good credit score (income not officially specified; PAN + Aadhaar required). |
| Best for | Flipkart and Myntra shoppers who also use Swiggy, Uber and PVR. | First-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on Zomato, Uber and Myntra and want simple 10% app cashback. |
Flipkart Axis Bank Credit Card
- 5% cashback on Flipkart & Cleartrip, 7.5% on Myntra (each cap ₹4,000/quarter)
- 4% unlimited on Swiggy, Uber, PVR & Cult.fit; 1% on other eligible spends
- Annual fee waived on ₹3.5L annual spend
RBL Bank Cookies Credit Card
- 10% cashback on Zomato, Uber and Myntra (cap ₹300/brand, ₹900/month total)
- 10% instant discount up to ₹300/month on BookMyShow movie tickets (once a month)
- Fuel surcharge waiver on fuel spends ₹500-4,000 (cap ₹150/month)
Flipkart Axis Bank Credit Card vs RBL Bank Cookies Credit Card — FAQs
Neither is universally better. Flipkart Axis Bank Credit Card suits flipkart and myntra shoppers who also use swiggy, uber and pvr. RBL Bank Cookies Credit Card suits first-time / entry-level cardholders who spend at least ₹5,000 a month (to waive the fee) on zomato, uber and myntra and want simple 10% app cashback. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: Flipkart Axis Bank Credit Card costs ₹500 + GST (waived on ₹3.5L annual spend) and RBL Bank Cookies Credit Card costs ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month. — both waivable on spend, so the rewards decide it. On rewards, Flipkart Axis Bank Credit Card gives 5% on flipkart & cleartrip, 7.5% on myntra, 4% on swiggy/uber/pvr/cult.fit. whereas RBL Bank Cookies Credit Card gives 10% cashback on zomato, uber and myntra, capped at ₹300 per brand and ₹900 total per calendar month (min ₹100/txn).
Flipkart Axis Bank Credit Card: ₹500 + GST (waived on ₹3.5L annual spend). RBL Bank Cookies Credit Card: ₹100 + GST monthly membership fee (no separate joining fee); waived for the next month on spending ₹5,000+ in a calendar month.. Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.