Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Flipkart Axis Bank Credit Card vs OneCard Metal Credit Card for ₹100,000 Monthly Spend
Comparing Flipkart Axis Bank Credit Card vs OneCard Metal Credit Card at ₹100,000/month. Flipkart Axis Bank Credit Card wins, delivering ₹28,560 net annual value (2.38% ROI) vs ₹7,368 for OneCard Metal Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹21,192/yr Higher Value
Flipkart Axis Bank Credit Card
Delivers ₹28,560 net annual returns (2.38% ROI) vs ₹7,368 on OneCard Metal Credit Card.
Card A
Flipkart Axis Bank Credit Card
Axis Bank
₹28,560Net Annual Benefit
Gross Rewards:₹28,560/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.38%
Fee Waiver Progress (3.5L target):100%
Card B
OneCard Metal Credit Card
Federal Bank
₹7,368Net Annual Benefit
Gross Rewards:₹7,368/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.61%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,000/year Extra YieldPair Flipkart Axis Bank Credit Card + Airtel Axis Bank Credit Card
Pair Flipkart Axis Bank Credit Card with Airtel Axis Bank Credit Card to capture up to ₹3,000/yr extra on zero-reward categories.
Routes excluded categories:Electricity, Water, Gas & Broadband Bills
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | Flipkart Axis Bank Credit Card | OneCard Metal Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹1,250 (5%) | ₹250 (1%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹150 (1%) | ₹30 (0.2%) |
| Electricity, Water, Gas & Broadband BillsUtility payments excluded from earning cashback | ₹12,000/mo | 0% Excluded | ₹24 (0.2%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹480 (4%) | ₹120 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹100 (1%) | ₹100 (1%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions, max ₹400/mo | ₹8,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹400 (5%) | ₹80 (1%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | 0% Excluded | ₹10 (0.2%) |
| House Rent & School/College Fees1% fee + 18% GST on rental spends; zero cashback earned | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1%) | ₹0 (1%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹12,00,000/yr | +₹28,560 | +₹7,368 |
Frequently Asked Questions
Which card is better between Flipkart Axis Bank Credit Card and OneCard Metal Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), Flipkart Axis Bank Credit Card mathematically outperforms OneCard Metal Credit Card by ₹21,192/year. Flipkart Axis Bank Credit Card delivers ₹28,560 net annual benefit (2.38% effective yield), while OneCard Metal Credit Card returns ₹7,368 (0.61% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: Flipkart Axis Bank Credit Card annual fee is waived (₹0). OneCard Metal Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Flipkart Axis Bank Credit Card loses ₹0/year to monthly cashback caps, while OneCard Metal Credit Card loses ₹0/year. Flipkart Axis Bank Credit Card remains uncapped at this spend. OneCard Metal Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Flipkart Axis Bank Credit Card and OneCard Metal Credit Card?▼
The calculated crossover breakeven spend is ₹5,000/month, where higher-fee benefits overtake the lower-fee option.