SBI Flipkart vs SpiceJet Axis Bank Voyage Black 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 |  SBI Flipkart Credit CardState Bank of India2 recent changes → |  SpiceJet Axis Bank Voyage Black Credit CardAxis Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 7.5% only at partner merchants | 1.5% base, up to 3% on online shopping; 7% 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, Shopsy & Flipkart Travel | 3% | |
| Dining and food delivery | 1% | 1.5% | |
| Groceries | 1% | 1.5% | |
| Travel: flights, hotels, trains | 1%; 5% only at Cleartrip | 1.5%; 7% only at SpiceJet | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | 1.5% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 1.5% | |
| School and college fees | Earns nothing | 1.5% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1% | 1.5% | |
| Everything else | 1% | 1.5% | |
| Card identity | |||
| Card type | Shopping | Travel | |
| Network | Mastercard | Visa | |
| Card tier | Mid | Premium | |
| Fees | |||
| Joining fee | ₹500 + GST | ₹2,000 + GST | |
| Annual fee | ₹500 + GST | ₹2,000 + GST | |
| Fee waived at | ₹3,50,000 | - | |
| Eligibility | |||
| Min age | - | 18 years | |
| Max age | - | 70 years | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visits | - | 8 | |
| International lounge visits | - | 0 | |
| Lounge condition | - | 8 complimentary domestic lounge visits a year (2 per quarter) | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement 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
- ₹4,500
- Fee a year
- - ₹2,360
- You keep
- ₹2,140
At this spend, SpiceJet Axis Bank Voyage Black Credit Card comes out ₹330 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
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
- Travel only at SpiceJet: 7% back
- Online shopping: 3% back
- Flyers: 8 airport lounge visits a year
Watch-Outs
- Each boosted category has a monthly cap
- Only 1% outside partner brands
- High ₹3,50,000 waiver target
- No lounge access
- Skip it if you spend less than ₹13,500 a month: below that the ₹2,360 fee costs more than the rewards
- Skip it if most of your spending is fuel, rent or wallet top-ups: 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 spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
Card data sourced via CardAdvisor.in (SBI Flipkart Credit Card, SpiceJet Axis Bank Voyage Black Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Flipkart Credit Card or SpiceJet Axis Bank Voyage Black Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; SpiceJet Axis Bank Voyage Black Credit Card: ₹2,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Flipkart Credit Card has the lowest forex markup. SBI Flipkart Credit Card: 3.5%; SpiceJet Axis Bank Voyage Black 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: SpiceJet Axis Bank Voyage Black Credit Card 1.5%, 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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