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Miles & More Axis Bank World Select 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.

Miles & More Axis Bank World Select Credit Card versus SBI Flipkart Credit Card compared
FeatureMiles & More Axis Bank World Select Credit CardMiles & More Axis Bank World Select Credit CardAxis Bank5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards3% on most spends1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping3%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery3%1%
Groceries3%1%
Travel: flights, hotels, trains3%1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing1%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees3%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency3%1%
Everything else3%1%
Card identity
Card typeTravelShopping
NetworksameMastercardMastercard
Card tierPremiumMid
Fees
Joining fee₹10,000 + GST₹500 + GST
Annual fee₹4,500 + GST₹500 + GST
Fee waived at-₹3,50,000
Eligibility
Min age18 years-
Max age70 years-
Employment typesameBOTHBOTH
Rewards
Reward typeAir milesCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge visits32-
International lounge visits4-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionComplimentary Priority Pass membership with 4 international lounge visits a year, plus a heavier domestic allowance of 8 lounge visits a quarter (32 a year), subject to a spend criterion Axis does not publish-
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
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Worth in Rupees at ₹20,000 a Month

Miles & More Axis Bank World Select Credit Card
Rewards a year
₹7,200
Fee a year
- ₹5,310
You keep
₹1,890
SBI Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, Miles & More Axis Bank World Select Credit Card comes out ₹80 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

Miles & More Axis Bank World Select Credit Card
  • Flyers: 36 airport lounge visits a year
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

Miles & More Axis Bank World Select Credit Card
  • Skip it if you spend less than ₹15,000 a month: below that the ₹5,310 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 often pay in foreign currency: 3.5% is added to every foreign spend
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 (Miles & More Axis Bank World Select 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, Miles & More Axis Bank World Select Credit Card or SBI Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; Miles & More Axis Bank World Select Credit Card: ₹4,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Miles & More Axis Bank World Select Credit Card has the lowest forex markup. Miles & More Axis Bank World Select 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: Miles & More Axis Bank World Select Credit Card 3%, 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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