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Flipkart Axis Bank Credit Card VS Flipkart SBI 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.
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Last updated: 30 July 2026

Both Flipkart Axis Bank Credit Card and Flipkart SBI Card suit shopping-focused spenders, but they earn and cost differently. Flipkart Axis Bank Credit Card is lifetime-free and earns 7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends. Flipkart SBI Card costs ₹500 + GST and earns up to 7.5% cashback on Myntra, 5% on Flipkart, 12% off on Cleartrip, 4% on select merchants, and 1% on others. Flipkart Axis Bank Credit Card also brings no complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025, while Flipkart SBI Card counters with ₹250 Flipkart Gift Card + ₹1000 benefit on first Flipkart transaction. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
Flipkart SBI Card
Flipkart SBI Card

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual fee waived on annual spends greater than ₹3.5 lakhs.
Spend Based WaiverWaived on annual spend of ₹3,50,000 or more.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)

Rewards & Benefits

Welcome Bonus₹350 activation benefits, ₹250 Flipkart voucher, and ₹100 Swiggy discount on joining.
Welcome Bonus₹250 Flipkart Gift Card + ₹1000 benefit on first Flipkart transaction.
Rewards Rate7.5% on Myntra, 5% on Flipkart & Cleartrip, 4% on preferred partners, 1% on other eligible spends.
Rewards RateUp to 7.5% cashback on Myntra, 5% on Flipkart, 12% off on Cleartrip, 4% on select merchants, and 1% on others.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil / No.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
Domestic Lounge Access
International Lounge AccessNo complimentary airport lounge access with the Flipkart Axis Bank Credit Card as of 20th June 2025.
International Lounge Access
Travel Benefits5% cashback on Cleartrip spends and 4% cashback on Uber rides.
Travel Benefits12% off on Cleartrip bookings.
Movie BenefitsAccelerated cashback (4%) on PVR movie tickets.
Movie Benefits
Dining Benefits15% off up to ₹500 at partner restaurants with Axis Bank Dining Delights. 4% cashback on Swiggy food orders.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel purchases (₹400-₹4,000), max ₹400 per cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions (₹500-₹4000), max ₹400 per statement cycle.

Security & Other

Insurance BenefitsThe card does not offer any insurance benefits like air accident cover or cover against loss/delay of luggage.
Insurance Benefits
Cash Advance Charges2.5% of the cash amount, with a minimum of ₹500.
Cash Advance Charges
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Flipkart Axis Bank Credit Card

Flipkart SBI Card

Who is it for?

The Flipkart Axis Bank Credit Card is an entry-level card designed for online shoppers, offering significant cashback on popular platforms like Flipkart, Myntra, and Cleartrip. It provides high reward rates on preferred partners such as Swiggy, Uber, and PVR, making it ideal for digital spending and daily online transactions. With cashback directly adjusted to the statement, it simplifies savings for users who frequently shop online and seek value on fashion, travel, and entertainment.

Who is it for?

The Flipkart SBI Card is an entry-to-mid-range credit card designed for online shoppers, offering significant cashback benefits. It provides exclusive cashback of 5% on Flipkart and 7.5% on Myntra, along with 12% off on Cleartrip. With a focus on e-commerce, it's ideal for individuals who frequently shop online and seek rewards tailored to their digital spending habits. This card aims to maximize savings for users engaged in frequent online purchases across its partner platforms.

Pros

Key benefits and features.

Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.

High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.

Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.

Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.

No upper limit on cashback for most categories, providing significant savings potential.

Pros

Key benefits and features.

High cashback on Flipkart (5%) and Myntra (7.5%) for frequent online shoppers.

Significant savings on travel with 12% off on Cleartrip bookings.

Convenient contactless payments and global cash access for flexibility.

Option to convert large purchases into easy EMIs with Flexipay facility.

Cons

Key drawbacks and limitations.

Not the best choice for offline shopping, offering only 1% cashback on such spends.

Does not offer any insurance benefits, such as air accident cover or luggage cover.

No complimentary airport lounge access, limiting travel perks for cardholders.

New fees on rent, education, utilities, and wallet loads from late 2024.

Cons

Key drawbacks and limitations.

Limited benefits outside of co-branded partners like Flipkart, Myntra, and Cleartrip.

Renewal fee waiver requires a high annual spend of ₹3,50,000.

No complimentary lounge access or golf benefits mentioned for premium perks.

Cash advance charges are not detailed, which could be a hidden cost.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Flipkart Axis Bank Credit Card(opens in new tab)Apply for Flipkart SBI Card(opens in new tab)