As online shopping continues to grow into our most popular way to shop, it’s never been easier or more rewarding based on the combinations of e-commerce giants and major banking players, co-branded or co-branded credit cards have a lot more flexible benefits these days. The Flipkart Axis Bank Credit Card and the Kotak Myntra Credit Card are two of the most popular co-branded credit cards available and the benefits for shoppers are exciting. But which one is more rewarding or provides better value for your money? In this article, we compare the features, rewards and benefits of both cards to help you select your ideal online shopping partner.
1. Welcome Benefits
- Flipkart Axis Bank Credit Card: Usually, welcome benefits worth ₹500 in either the form of Flipkart vouchers or discount codes.
- Kotak Myntra Credit Card: Welcome gift card worth ₹500 for Myntra online shopping.
- Verdict: Both offer welcome benefits that are comparable from a value perspective. Choosing which card is better depends on whether you choose Myntra or Flipkart.
2. Annual Fees & Annual Waiver
- Flipkart Axis: ₹500 annual fees (can be waived if annual spends = Rs. 2 lakh).
- Kotak Myntra: ₹500 annual fees (can be waived if spends = Rs. 2 lakhs in a year).
- Verdict: Both cards have the same annual fees and annual waiver.
3. Reward Points & Cashback
- Flipkart Axis Bank Credit Card:
- 5% cashback on Flipkart, Myntra and 2GUD.
- 4% cashback on selected preferred partners like Swiggy, PVR, Uber etc.
- 1.25% cashback on all other spends (except for fuel and EMI).
- Cashback is auto- credited on a monthly basis.
- Kotak Myntra Credit Card:
- 7.5% cashback on Myntra (applicable up to ₹750/month).
- 1.25% cashback on any other online spends (applicable up to ₹1,000/month).
- Greater seasonal offers and savings on fashion and lifestyle sectors.
- Verdict:
- Go with Flipkart Axis for the versatility of all shopping, with greater potential for cashback.
- Go with Kotak Myntra for higher what the cashback at Myntra as you shop frequently on the site.
Also read: Most Popular HDFC Credit Cards — Why These Cards Are a Must Have in 2025
4. Platform Specific Perks
- Flipkart Axis:
- Works directly with Flipkart and affiliate partner sites (Myntra and 2GUD).
- As well as getting you discounts during Flipkart sales (Big Billion Days and more).
- Kotak Myntra:
- Get exclusive early access to Myntra fashion sales and Insider style events.
- Get 6-month free Myntra Insider membership.
- Verdict: Flipkart Axis is more versatile while Kotak Myntra is fashion-forward.
5. Other Benefits
- Flipkart Axis:
- Fuel surcharge waiver.
- Airport lounge access (4 visits/year to domestic lounges)
- Kotak Myntra:
- Fuel surcharge waiver.
- No lounge access currently advertised
- Verdict: If you desire travel and lifestyle benefits as well, Flipkart Axis is preferred.
- Final Verdict: Which One Should You Choose?
| Criteria | Flipkart axis card | Kotak Myntra card |
| Best for | All-round online shoppers | Fashion and Myntra lovers |
| Cashback on Myntra | 5% | 7.5% |
| Cashback on other spends | 1.5% (wide list of partners) | 1.25% (online only) |
| Travel perks | Yes (lounge access) | No |
| Fuel surcharge waiver | Yes | yes |
Choose the Flipkart Axis Credit Card if:
- You shop across multiple channels.
- You want travel benefits and bigger cashback.
Choose the Kotak Myntra Credit Card if:
- You predominantly shop on Myntra and would like to enjoy saving on fashion.
- You enjoy early access to sales and exclusive style deals.
Written by Pranjal Data
