Flipkart Axis Bank vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Flipkart Axis Bank wins 8-0. Flipkart loyalists who also use Myntra and Cleartrip Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Flipkart Axis Bank | Kotak White |
|---|---|---|
| Annual fee | ₹500 | · ₹3,000 |
| Joining fee | ₹500 | · ₹3,000 |
| Top reward rate | 5% (shopping) | · Milestone |
| Base reward rate | 1.5% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹350,000 / yr | · ₹500,000 / yr |
| Min income | ₹360,000 | · ₹2,500,000 |
| Min credit score | 730 | · N/A |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic lounge visits per year
- 1% fuel surcharge waiver
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›Flipkart Axis Bank vs Kotak White: which is better?
Flipkart Axis Bank wins on more dimensions (8 vs 0). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Flipkart Axis Bank for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.