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