Flipkart Axis Bank Credit Card vs Cashback SBI Credit Card vs Axis Bank ACE Credit Card
A detailed, side-by-side look at 3 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
₹499 + GST
Renewal Fee
Rs. 500 + GST from the 2nd year onwards
Rs. 999 + Taxes/GST
₹499 + 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.
Joining fee waived on ₹10,000 spend in 45 days; renewal fee waived on annual spend of ₹2,00,000.
Foreign Transaction Fees
3.5% on foreign currency transactions; 1.5% for Dynamic Currency Conversion transactions.
3.5% of the international transaction value.
3.5% of the transaction amount.
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.
3.75% per month (55.55% annualized) on outstanding balances.
Rewards & Benefits
Welcome Bonus
Total activation benefits worth Rs. 350, including a Rs. 250 Flipkart voucher and a 50% Swiggy discount.
Not Applicable
Joining fee can be waived off on spending ₹10,000 within 45 days of Axis Bank ACE card setup.
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.
5% on Google Pay bill payments, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
Nil.
₹99 per redemption transaction.
Nil.
Travel & Lifestyle
Domestic Lounge Access
Removed as of June 2025.
Complimentary lounge access has been discontinued on this card.
4 complimentary airport lounge visits per calendar year at select domestic airports.
International Lounge Access
Removed as of June 2025.
Complimentary lounge access has been discontinued on this card.
Not offered with this card.
Travel Benefits
5% cashback on Cleartrip, 4% cashback on Uber, and discounts on flights/hotels via MakeMyTrip.
Not Applicable
4 complimentary domestic airport lounge visits annually with the Axis Bank ACE Credit Card.
Movie Benefits
Accelerated 4% cashback on PVR movie tickets, plus 10% off up to Rs. 1000 on Tira.
Not Applicable
Not Applicable
Dining Benefits
Up to 15% off (max Rs. 500) at 10,000+ partner restaurants via Axis Bank Dining Delights.
Not Applicable
Up to 15% off at over 4000+ partner restaurants across India under the Dining Delights program.
Golf Benefits
Not Applicable
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.
1% waiver on fuel (₹400-₹4000 transactions), max ₹500 per statement cycle.
Security & Other
Insurance Benefits
Does not offer benefits like air accident cover or luggage protection as of June 2025.
Not Applicable
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.
2.5% of withdrawn amount, subject to a minimum of ₹500.