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
₹500 + GST
₹999 + GST
₹499 + GST
Renewal Fee
₹500 + GST
₹999 + GST
₹499 + GST
Spend Based Waiver
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Annual fee waived on Rs. 2 Lakh spend/year. Joining fee reversed on Rs. 10,000 spend in 45 days.
Foreign Transaction Fees
3.5% of transaction value; 1.5% for DCC.
3.5% of the international transaction value.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (55.55% per annum).
3.75% per month (45% per annum) on outstanding balance.
3.75% per month (55.55% annualized) on outstanding amount.
Rewards & Benefits
Welcome Bonus
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Not Applicable
Joining fee reversal on Rs. 10,000 spend within 45 days of card setup.
Rewards Rate
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Reward Type
Cashback
Cashback
Cashback
Reward Redemption Fee
No charges for cashback redemption.
₹99 per redemption transaction.
Nil
Travel & Lifestyle
Domestic Lounge Access
Not offered as of 20th June 2025.
Complimentary lounge access has been discontinued on this card.
4 complimentary lounge visits per calendar year at select domestic airports.
International Lounge Access
Not offered as of 20th June 2025.
Complimentary lounge access has been discontinued on this card.
Not Applicable
Travel Benefits
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Not Applicable
4 complimentary domestic lounge visits annually & 4% cashback on Ola rides.
Movie Benefits
Unlimited 4% cashback on PVR movie ticket bookings.
Not Applicable
Not Applicable
Dining Benefits
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Not Applicable
Up to 15% off at 4000+ partner restaurants & 4% cashback on Swiggy/Zomato.
Golf Benefits
Not Applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
1% waiver on fuel purchases (Rs. 400-4000), max Rs. 500/statement cycle.
Security & Other
Insurance Benefits
None explicitly offered.
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of amount (minimum Rs. 500).
2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of withdrawn amount, minimum Rs. 500.