Flipkart Axis Bank 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.
| Feature |  Flipkart Axis Bank Credit CardAxis Bank5 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewardssame | 1% on most spends; 7.5% only at partner merchants | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1%; 7.5% only at Myntra; 5% only at Flipkart, Cleartrip | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 1%; 4% only at Swiggy food delivery | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trains | 1% | 1%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 1% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | Visa | Mastercard | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining feesame | ₹500 + GST | ₹500 + GST | |
| Annual feesame | ₹500 + GST | ₹500 + GST | |
| Fee waived atsame | ₹3,50,000 | ₹3,50,000 | |
| Welcome benefit | ₹250 in vouchers, points or cashback on card activation | - | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 70 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver min spend | ₹400 | - | |
| Fuel waiver cap | ₹400 | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Eligibility | Age: 21 to 60 years Min. income: ₹15,000/mo | - | |
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend the two come out level. 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
- Regular Flipkart and Myntra shoppers
- Frequent Swiggy and Uber users
- People who prefer cashback over points
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- Quarterly caps on the high cashback rates
- No airport lounge access
- 3.5% forex fee on foreign spends
- 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 (Flipkart Axis Bank 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, Flipkart Axis Bank Credit Card or SBI Flipkart Credit Card?
They charge the same annual fee. Flipkart Axis Bank Credit Card: ₹500; SBI Flipkart Credit Card: ₹500.
Which is better for spending abroad?
Flipkart Axis Bank Credit Card has the lowest forex markup. Flipkart Axis Bank 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: Flipkart Axis Bank Credit Card 1%, 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.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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