Flipkart Axis Bank Super Elite Credit Card vs Axis Bank My Zone Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: Flipkart Axis Bank Super Elite Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: Flipkart Axis Bank Super Elite Credit Card (₹500/yr) vs Axis Bank My Zone Credit Card (₹500/yr).
- Base Reward Rate: Flipkart Axis Bank Super Elite Credit Card (2% Cashback) vs Axis Bank My Zone Credit Card (1 pts/₹100).
- Lounge Access: Flipkart Axis Bank Super Elite Credit Card (0 dom) vs Axis Bank My Zone Credit Card (4 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1Axis Bank · fee waived
2Axis Bank · fee ₹500
Smart verdict
Get the Flipkart Axis Bank Super Elite Credit Card — it earns you +₹13,700/yr over the Axis Bank My Zone Credit Card, mostly from your flipkart spends spend.
How Your Spends Convert to Rewards
Live calculation breakdown for Flipkart Axis Bank Super Elite Credit Card
| Spend Category | Monthly Spend | Reward Rate | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 2% Cashback | ₹120 | ₹1,440/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 2% Cashback | ₹70 | ₹840/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 12% Cashback | ₹240 | ₹2,880/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 2% Cashback | ₹100 | ₹1,200/yr | Active Earn |
Groceries | ₹7,000/mo | 2% Cashback | ₹140 | ₹1,680/yr | Active Earn |
Fuel | ₹4,000/mo | 2% Cashback | ₹80 | ₹960/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 2% Cashback | ₹80 | ₹960/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 2% Cashback | ₹80 | ₹960/yr | Active Earn |
Rent | ₹10,000/mo | 2% Cashback | ₹200 | ₹2,400/yr | Active Earn |
Insurance | ₹1,500/mo | 2% Cashback | ₹30 | ₹360/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2% Cashback | ₹60 | ₹720/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | Flipkart Axis Bank Super Elite Credit CardAxis Bank | Axis Bank My Zone Credit CardAxis Bank |
|---|---|---|
| Joining fee | ₹500 | ₹500 |
| Annual fee | ₹500/yr | ₹500/yr |
| Fee waiver | Spend ₹2,00,000/yr | No waiver |
| Base reward | 2% cashback | 1 pts / ₹100 |
| Top reward categories | 12% flipkart | 1x dining |
| Redemption friction | Easy | Easy |
| Point expiry | Never expire | Never expire |
| Lounge access | None | 4 dom · 0 intl |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | None | None |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-07Official Axis Bank Credit Card Page | Updated 2026-07Official Axis Bank Credit Card Page |
Verdict at a Glance
Choose Flipkart Axis Bank Super Elite Credit Card if your monthly spending is focused on flipkart.
Choose Axis Bank My Zone Credit Card if you spend heavily on dining.
Flipkart Axis Bank Super Elite Credit Card vs Axis Bank My Zone Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
Flipkart Axis Bank Super Elite Credit Card
At ₹25,000/month, Flipkart Axis Bank Super Elite Credit Card nets ₹7,200/yr vs Axis Bank My Zone Credit Card at ₹100/yr — a ₹7,100 edge.
Flipkart Axis Bank Super Elite Credit Card
At ₹50,000/month, Flipkart Axis Bank Super Elite Credit Card nets ₹14,400/yr vs Axis Bank My Zone Credit Card at ₹700/yr — a ₹13,700 edge.
Flipkart Axis Bank Super Elite Credit Card
At ₹1,00,000/month, Flipkart Axis Bank Super Elite Credit Card nets ₹26,640/yr vs Axis Bank My Zone Credit Card at ₹1,900/yr — a ₹24,740 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, Flipkart Axis Bank Super Elite Credit Card or Axis Bank My Zone Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), Flipkart Axis Bank Super Elite Credit Card comes out ahead by about ₹13,700 per year, driven mostly by flipkart spends spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Flipkart Axis Bank Super Elite Credit Card or Axis Bank My Zone Credit Card?▼
Flipkart Axis Bank Super Elite Credit Card earns 2% as a base, while Axis Bank My Zone Credit Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Flipkart Axis Bank Super Elite Credit Card and Axis Bank My Zone Credit Card?▼
Flipkart Axis Bank Super Elite Credit Card: ₹500 + GST per year, waived on ₹2,00,000 annual spend. Axis Bank My Zone Credit Card: ₹500 + GST per year.
Do Flipkart Axis Bank Super Elite Credit Card and Axis Bank My Zone Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. Flipkart Axis Bank Super Elite Credit Card excludes none noted; Axis Bank My Zone Credit Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is Axis Bank My Zone Credit Card ever the better pick over Flipkart Axis Bank Super Elite Credit Card?▼
Within a normal spend range at ₹50,000/month, Flipkart Axis Bank Super Elite Credit Card stays ahead. Axis Bank My Zone Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.