Flipkart Axis Bank Credit Card vs Cashback SBI Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Rs. 500 + GST
Rs. 999 + Taxes/GST
Renewal Fee
Rs. 500 + GST from the 2nd year onwards
Rs. 999 + Taxes/GST
Spend Based Waiver
Annual fee waived on annual spends greater than Rs. 3,50,000 (excluding rent/wallet loads).
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Foreign Transaction Fees
3.5% on foreign currency transactions; 1.5% for Dynamic Currency Conversion transactions.
3.5% of the international transaction value.
Interest Rate (APR)
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.75% per month (45% per annum) on outstanding balance.
Rewards & Benefits
Welcome Bonus
Total activation benefits worth Rs. 350, including a Rs. 250 Flipkart voucher and a 50% Swiggy discount.
Not Applicable
Rewards Rate
Earn 7.5% on Myntra, 5% on Flipkart/Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, 1% elsewhere.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Reward Type
Cashback
Cashback
Reward Redemption Fee
Nil.
₹99 per redemption transaction.
Travel & Lifestyle
Domestic Lounge Access
Removed as of June 2025.
Complimentary lounge access has been discontinued on this card.
International Lounge Access
Removed as of June 2025.
Complimentary lounge access has been discontinued on this card.
Travel Benefits
5% cashback on Cleartrip, 4% cashback on Uber, and discounts on flights/hotels via MakeMyTrip.
Not Applicable
Movie Benefits
Accelerated 4% cashback on PVR movie tickets, plus 10% off up to Rs. 1000 on Tira.
Not Applicable
Dining Benefits
Up to 15% off (max Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions between Rs. 400-4,000, capped at Rs. 400 per month.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
Security & Other
Insurance Benefits
Does not offer benefits like air accident cover or luggage protection as of June 2025.
Not Applicable
Cash Advance Charges
2.5% of the cash amount, with a minimum of Rs. 500.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.