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Flipkart Axis Bank Credit Card vs Flipkart SBI Card

Verified 11 sources

Your monthly spend

Flipkart SBI Card and Flipkart Axis Bank Credit Card are ₹400 a year apart at ₹30,000 a month: ₹2,900 against ₹2,500, after fees

Flipkart SBI Card beats Flipkart Axis Bank Credit Card by ₹900 a year at ₹75,000 a month: ₹8,500 against ₹7,600, after fees

Flipkart SBI Card beats Flipkart Axis Bank Credit Card by ₹1,800 a year at ₹1.5 lakh a month: ₹16,900 against ₹15,100, after fees

Flipkart SBI Card beats Flipkart Axis Bank Credit Card by ₹3,600 a year at ₹3 lakh a month: ₹33,800 against ₹30,200, after fees

Flipkart SBI Card beats Flipkart Axis Bank Credit Card by ₹6,000 a year at ₹5 lakh a month: ₹56,400 against ₹50,400, after fees

Axis Bank

Flipkart Axis Bank Credit Card

Our verdict: Downgrade

Flipkart SBI Card

SBI Card

Flipkart SBI Card

Our verdict: Keep

Flipkart SBI Card vs Flipkart Axis Bank Credit Card: which should you pick?

Two banks, one Flipkart grid: 7.5% at Myntra and 5% at Flipkart and at Cleartrip, each capped at ₹4,000 a quarter, a 1% base with no cap, and ₹500 a year waived at ₹3,50,000 of spend on both. The page's value model puts Flipkart SBI ahead at every spend level it tests, and the grid is not why: Axis pays nothing on utility bills, where SBI's 1% base still runs. So decide on the 4% tier: Swiggy food delivery with no cap on the Axis card, against Netmeds, PVR, Uber and Zomato capped at ₹4,000 a quarter on SBI's. Neither has a lounge and both charge 3.5% abroad.

Flipkart SBI Card is the better card at every spend we test, and its lead over Flipkart Axis Bank Credit Card grows as you spend more: ₹300 a year at ₹25,000 a month, ₹6,000 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: Flipkart SBI Card returns ₹8,500 a year in rewards to Flipkart Axis Bank Credit Card's ₹7,600. We found nothing Flipkart Axis Bank Credit Card does clearly better than Flipkart SBI Card on the rows below.

Flipkart Axis Bank Credit Card review Flipkart SBI Card review

Side by side

Flipkart Axis Bank Credit Card and Flipkart SBI Card, fact by fact
FactFlipkart Axis Bank Credit CardFlipkart SBI Card
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹500/yr₹500/yr
Fee waiverSpend ₹3,50,000 a yearSpend ₹3,50,000 a year
Reward rate on everyday spend1.0%1.0%
PointsAxis Bank CashbackSBI Card Cashback
Our value per point₹1.00₹1.00 †
Transfer partnersNoneNone
Lounges it gets you into0 of 7920 of 792
Forex markup3.5%3.5% + GST
Welcome benefit₹350 of activation benefits — a ₹250 Flipkart voucher on paid cards only (first-year-free cards get nothing) plus 50% off up to ₹100 on a first-time Swiggy order, on a first transaction within 30 days of issuance₹250 Flipkart gift card on fee realisation; applying through the Flipkart, Myntra or Cleartrip app adds a further voucher and a ₹750 Cleartrip flights coupon

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Flipkart SBI Card is ahead on 5 of the 6 rows we can call.

More facts 6 rows
Rank, verdict, lounge visits and fine print
FactFlipkart Axis Bank Credit CardFlipkart SBI Card
Our rank#133✓ Better#146
Our verdictDowngradeKeep
Lounge visits in IndiaNone since 20 Jun 2025 — "Effective 20th June 2025, the Flipkart Axis Bank Credit Card is no longer offering complimentary lounge access"None — no complimentary lounge access
Lounge visits abroadNone — Axis publishes no international lounge entitlement for this cardNone
Forex, in the bank’s words3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026.3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% on rupee transactions of ₹1,000 or more taken abroad
Interest (APR)3.75%/mo (55.55%/yr) — Axis standard tierup to 3.75%/mo (45%/yr), charged from the transaction date, with a ₹25 minimum finance charge per transaction

† Flipkart SBI Card: The unit is a rupee, not a point: SBI's own T&C says the cashback "is directly credited to the SBI Card account within two working days of the statement generation". Nothing to claim, nothing to expire — so ₹1.00 is floor, value and ceiling alike. What bites is the cap: each accelerated category has its own ₹4,000 ceiling per quarter, and the quarter runs from your first transaction after account opening, not the calendar.

Neither issuer publishes an income floor for these two, and the door is the same on both sides: Flipkart Axis Bank Credit Card and Flipkart SBI Card are both open to a direct application. How people actually get each one is on its card page.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendFlipkart Axis Bank Credit CardFlipkart SBI Card
At ₹30,000 a month₹2,500₹2,900✓ Better
At ₹75,000 a month₹7,600₹8,500✓ Better
At ₹1.5 lakh a month₹15,100₹16,900✓ Better
At ₹3 lakh a month₹30,200₹33,800✓ Better
At ₹5 lakh a month₹50,400₹56,400✓ Better
Pays for itself from₹5,000 a month₹5,000 a month

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Flipkart Axis Bank Credit Card and Flipkart SBI Card at each ₹25,000 step
Monthly spendFlipkart Axis Bank Credit CardFlipkart SBI CardAhead
₹25,000₹2,000₹2,300✓ BetterFlipkart SBI Card by ₹300
₹50,000₹5,000₹5,600✓ BetterFlipkart SBI Card by ₹600
₹75,000₹7,600₹8,500✓ BetterFlipkart SBI Card by ₹900
₹1 lakh₹10,100₹11,300✓ BetterFlipkart SBI Card by ₹1,200
₹1.25 lakh₹12,600₹14,100✓ BetterFlipkart SBI Card by ₹1,500
₹1.5 lakh₹15,100₹16,900✓ BetterFlipkart SBI Card by ₹1,800
₹1.75 lakh₹17,600₹19,700✓ BetterFlipkart SBI Card by ₹2,100
₹2 lakh₹20,200₹22,600✓ BetterFlipkart SBI Card by ₹2,400
₹2.25 lakh₹22,700₹25,400✓ BetterFlipkart SBI Card by ₹2,700
₹2.5 lakh₹25,200₹28,200✓ BetterFlipkart SBI Card by ₹3,000
₹2.75 lakh₹27,700₹31,000✓ BetterFlipkart SBI Card by ₹3,300
₹3 lakh₹30,200₹33,800✓ BetterFlipkart SBI Card by ₹3,600
₹3.25 lakh₹32,800₹36,700✓ BetterFlipkart SBI Card by ₹3,900
₹3.5 lakh₹35,300₹39,500✓ BetterFlipkart SBI Card by ₹4,200
₹3.75 lakh₹37,800₹42,300✓ BetterFlipkart SBI Card by ₹4,500
₹4 lakh₹40,300₹45,100✓ BetterFlipkart SBI Card by ₹4,800
₹4.25 lakh₹42,800₹47,900✓ BetterFlipkart SBI Card by ₹5,100
₹4.5 lakh₹45,400₹50,800✓ BetterFlipkart SBI Card by ₹5,400
₹4.75 lakh₹47,900₹53,600✓ BetterFlipkart SBI Card by ₹5,700
₹5 lakh₹50,400₹56,400✓ BetterFlipkart SBI Card by ₹6,000
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 0

Flipkart Axis Bank Credit Card's Axis Bank Cashback cannot be moved to any airline or hotel; Flipkart SBI Card's SBI Card Cashback cannot be moved to any.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Flipkart Axis Bank Credit Card

  • No lounge access — Axis withdrew it on 20 June 2025 and the card is on neither Set A nor Set B of its lounge programme
  • The cashback is rupees on your statement: no points, no transfer partner, no award seat, ever
  • Forex 3.5% plus a dynamic-currency-conversion markup that went 1.5% → 3.5% on 28 Aug 2026 — nothing about this card works abroad

4 more on its page

Flipkart SBI Card

  • No lounge access of any kind — absent from the T&C booklet, the product record and the MITC
  • Every accelerated category caps at ₹4,000 a quarter, and the quarter runs from your first transaction after account opening, not the calendar
  • The '12% off on Cleartrip' still on the product page is a coupon offer its own T&C ends on 30 June 2026 — only the 5% cashback is ongoing

5 more on its page

Common questions 5 answered

Which is better, Flipkart Axis Bank Credit Card or Flipkart SBI Card?

Flipkart SBI Card is the better card at every spend we test, and its lead over Flipkart Axis Bank Credit Card grows as you spend more: ₹300 a year at ₹25,000 a month, ₹6,000 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: Flipkart SBI Card returns ₹8,500 a year in rewards to Flipkart Axis Bank Credit Card's ₹7,600. We found nothing Flipkart Axis Bank Credit Card does clearly better than Flipkart SBI Card on the rows below.

Flipkart Axis Bank Credit Card or Flipkart SBI Card: which is worth more at ₹3 lakh a month?

Flipkart SBI Card beats Flipkart Axis Bank Credit Card by ₹3,600 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Flipkart Axis Bank Credit Card or Flipkart SBI Card?

They cost the same: ₹500/yr. Flipkart Axis Bank Credit Card waives its fee if you spend ₹3,50,000 a year; Flipkart SBI Card waives its fee if you spend ₹3,50,000 a year.

Which gets you into more airport lounges, Flipkart Axis Bank Credit Card or Flipkart SBI Card?

Both get you into 0 of the 792 lounges we track.

How current is this comparison?

Flipkart Axis Bank Credit Card was last checked against its bank's own documents on 24 Oct 2026, Flipkart SBI Card on 12 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Flipkart Axis Bank Credit Card was last checked against its bank's own documents on 24 Oct 2026, Flipkart SBI Card on 12 Oct 2026. Every fact above comes from these 11 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 11 sources
  1. Official Revision of Axis Bank Credit Card Terms and Conditions — the bank-wide notice: DCC 1.5% to 3.5%, and gift cards, Bridge Fees, Road Fees and Tolls out of rewards, from 28 Aug 2026 read
  2. Official Flipkart Axis Bank product page — the 7.5%/5%/4%/1% cashback grid with its quarterly caps, the fee table and the co-branding statement read
  3. Official Flipkart Axis Bank cashback Terms & Conditions — the caps, the excluded-MCC table and the multi-cobranding definition read
  4. Official Axis Bank Domestic Airport Lounge Access Program — the Flipkart Axis card lost complimentary lounge access on 20 June 2025 and is on neither Set A nor Set B read
  5. Official Axis Bank Key Fact Sheet, last updated 8 Oct 2026 — FLIPKART joining ₹500, annual ₹500, waiver at ₹3,50,000 of preceding-year spend read
  6. Official Axis Travel EDGE Program eligible cards — no Flipkart Axis card appears, so the transfer route is closed to it read
  7. Official Product page — the ₹500 joining and renewal fees and the ₹3.5 lakh reversal read
  8. Official Terms & Conditions booklet — the full cashback table, its caps and its exclusions read
  9. Official Preferred partner list — the four merchants behind the 4% rate read
  10. Official Cleartrip offer terms — the 12% headline is a coupon offer dated to 30 June 2026 read
  11. Official SBI Card MITC — the ₹500/₹500 fee row and the 3.5% foreign-currency markup read

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