Axis Bank Rewards Visa Credit Card vs Kotak Cashback Plus Credit Card
Detailed side-by-side comparison to help you pick the right card for your needs.
Side-by-Side Comparison
Annual Fee
₹1,000
₹499 Winner
Joining Fee
₹1,000
₹499 Winner
Fee Waiver
Waived on 2L spend
Waived on 2L spend
Cashback Rate
—
—
Reward Rate
10X rewards on Apparel & Dept Stores
1.5% cashback on all spends
Lounge Access
2 domestic per quarter
No
Welcome Bonus
5000 Edge points
—
Min. Income
₹25,000/mo Winner
₹30,000/mo
Credit Score
700+
700+
Best For
Lifestyle spenders
Simple spenders
Axis Bank Rewards Visa Credit Card
What we love
- High milestone rewards
- Lounge access
- Edge points
Keep in mind
- Higher fee
Kotak Cashback Plus Credit Card
What we love
- Simple unlimited cashback
- Wide acceptance
- No caps
Keep in mind
- Annual fee
Frequently Asked Questions
Which is better: Axis Bank Rewards Visa Credit Card or Kotak Cashback Plus Credit Card?
Both cards are equally competitive across fees, cashback, and eligibility. Choose Axis Bank Rewards Visa Credit Card if you prefer lifestyle spenders, or Kotak Cashback Plus Credit Card if you prefer simple spenders.
What is the annual fee difference?
Axis Bank Rewards Visa Credit Card has an annual fee of ₹1,000 (Waived on 2L spend), while Kotak Cashback Plus Credit Card costs ₹499 (Waived on 2L spend) per year.
Can I apply for both cards?
Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.