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Flipkart Axis Bank Credit Card VS SBI SimplyCLICK 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.

Features

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

Fees & Charges

Joining Fee
₹500 + GST
₹499 + GST
Renewal Fee
₹500 + GST
₹499 + GST
Spend Based Waiver
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Renewal fee waived if annual spends for previous year are ₹1,00,000 or more.
Foreign Transaction Fees
3.5% of transaction value; 1.5% for DCC.
3.5% of the total transaction amount.
Interest Rate (APR)
3.75% per month (55.55% per annum).
3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Amazon.in gift card worth ₹500 upon payment of annual fee.
Rewards Rate
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
Earn 10X Reward Points on exclusive online partners, 5X on other online spends, and 1 RP per ₹100 on offline spends.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
No charges for cashback redemption.
₹99 + GST applies for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access
Not offered as of 20th June 2025.
Not Applicable
International Lounge Access
Not offered as of 20th June 2025.
Not Applicable
Travel Benefits
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
10X Reward Points on Cleartrip & Yatra; e-vouchers worth ₹2,000 each from Cleartrip/Yatra on milestones.
Movie Benefits
Unlimited 4% cashback on PVR movie ticket bookings.
10X Reward Points on BookMyShow spends.
Dining Benefits
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
10X Reward Points on Dominos and Swiggy spends.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% waiver on transactions between ₹500-₹3,000, capped at ₹100 per cycle.

Security & Other

Insurance Benefits
None explicitly offered.
Not Applicable
Cash Advance Charges
2.5% of amount (minimum Rs. 500).
2.5% of withdrawal amount, subject to a minimum fee of ₹500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Flipkart Axis Bank Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The Flipkart Axis Bank Credit Card is an excellent choice for online shoppers, providing significant cashback on Flipkart, Myntra, and Cleartrip. It also offers accelerated rewards on popular platforms like Swiggy, Uber, PVR, and cult.fit, making it versatile for various digital spends. Cardholders also enjoy dining benefits. The cashback is directly credited to the statement, ensuring straightforward value.

Who is it for?

The SBI SimplyCLICK Credit Card is an excellent entry-level shopping card, especially for online shoppers, offering accelerated reward points on popular brands. With an affordable annual fee of ₹499, which is easily reversible, it helps maximize savings on digital transactions. New cardholders get a ₹500 Amazon gift card, effectively offsetting the first year's fee, and milestone benefits add further value through travel e-vouchers. It's ideal for building credit and offers great utility for everyday online purchases.

Pros

Key benefits and features.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

Pros

Key benefits and features.

Excellent accelerated reward program for online shopping, with up to 10X points on partner brands.

Affordable annual fee of ₹499, easily waived by spending ₹1 lakh annually, making it cost-effective.

Welcome Amazon gift card worth ₹500 effectively offsets the first year's annual fee immediately.

Valuable milestone e-vouchers from Cleartrip/Yatra on achieving specific annual spending goals.

Cons

Key drawbacks and limitations.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

Cons

Key drawbacks and limitations.

Lacks complimentary domestic or international airport lounge access, limiting benefits for travelers.

Does not provide explicit insurance benefits, which is a common feature in many other cards.

Reward redemption options are somewhat limited, potentially reducing flexibility for cardholders.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.