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Axis Bank Atlas vs SBI Flipkart Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Axis Bank Atlas Credit Card versus SBI Flipkart Credit Card compared
FeatureAxis Bank Atlas Credit CardAxis Bank Atlas Credit CardAxis Bank5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards4% on most spends; 10% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping4%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery4%1%
Groceries4%1%
Travel: flights, hotels, trains4%; 10% only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing1%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees4%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency4%1%
Everything else4%1%
Card identity
Card typeTravelShopping
NetworksameMastercardMastercard
Card tierPremiumMid
Fees
Joining fee₹5,000 + GST₹500 + GST
Annual fee₹5,000 + GST₹500 + GST
Fee waived at-₹3,50,000
Eligibility
Min age18 years-
Max age70 years-
Employment typesameBOTHBOTH
Min monthly salary₹1,00,000-
Rewards
Reward typeAir milesCashback
Point value₹2₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹400-
Lounge access
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionTier-based visits by annual spend (Silver 8 dom + 4 intl, Gold 12 + 6, Platinum 18 + 12). Two rare strengths: no quarterly-spend gate to unlock access, and guests enter against your remaining balance with no per-guest cap. Not a Priority Pass card-
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Axis Bank Atlas Credit Card
Rewards a year
₹9,600
Fee a year
- ₹5,900
You keep
₹3,700
SBI Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, Axis Bank Atlas Credit Card comes out ₹1,890 a year ahead of SBI Flipkart Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Axis Bank Atlas Credit Card
  • Travel only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: 10% back, up to ₹20,000 a month
  • Flyers: some airport lounge visits a year
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

Axis Bank Atlas Credit Card
  • Skip it if you spend less than ₹12,500 a month: below that the ₹5,900 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: the 10% rate applies only there, everything else earns 4%
SBI Flipkart Credit Card
  • Each boosted category has a monthly cap
  • Only 1% outside partner brands
  • High ₹3,50,000 waiver target
  • No lounge access

Card data sourced via CardAdvisor.in (Axis Bank Atlas Credit Card, SBI Flipkart Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Axis Bank Atlas Credit Card or SBI Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; Axis Bank Atlas Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Atlas Credit Card has the lowest forex markup. Axis Bank Atlas Credit Card: 3.5%; SBI Flipkart Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank Atlas Credit Card 4%, SBI Flipkart Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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