Synopsis: Looking for the best credit card that offers maximum benefits on your online shopping? This article provides an in-depth comparison of the Axis Flipkart Credit Card and the SBI Flipkart Credit Card and reveals the ultimate winner.
Choosing the right credit card can bring a large gap in how much you save every month through online shoppings. With Flipkart being one of the biggest shopping platforms in India, it makes sense that banks have launched co-branded cards specifically designed for frequent online shoppers. Axis Bank Flipkart Credit Card has been the perfect card for years but people are now shifting to the newly launched SBI Flipkart card.
As a beginner, both look similar because they focus on cashback and rewards for Flipkart purchases. But when you compare their rewards, fee structure, shopping platform benefits, and travel benefits, you’ll see that they differ in many ways. One may suit you more depending on your lifestyle.
A Quick Overview of Both Cards
Flipkart Axis Bank Credit Card: This is one of the most popular entry-level cashback cards with a simple reward structure and high cashback on Flipkart. The joining fee of Flipkart Axis Credit card is usually around 500+ GST. The annual fee is Rs 500/yr and it is waived on spending more than Rs 3.5 lakh within the year.
SBI Flipkart Credit Card: A Newer card launched in partnership with Flipkart which offers a tier-based reward system (coins + cashback style). It is suitable for people who mostly shop from flipkart and are comfortable in earning platform rewards. The joining fee is Rs 500 + GST but this is waived for the first year. Annual fee is same as the Axis Bank Flipkart credit card and is waived off on spending Rs 3.5 lakh and above.
Who Can Apply?
Both cards are entry-level which means that any Indian citizen, salaried or self-employed individuals with basic eligibility like minimum income criteria and clean credit score can apply for the credit cards.
Cashback and Reward Structure
Though both of these credit cards work in a similar way, there are some differences that might cater to particular benefits.
Now both of these cards offer a cashback of 7.5% on Myntra with a limit of Rs 4000 per quarter. Secondly, you get 5% cashback on shopping via Flipkart, Shopsy, and Cleartrip (maximum cashback of Rs 4000 per quarter).
The major difference comes in the 4% cashback on selected platforms that both of these cards offer. SBI Flipkart credit card offers this cashback on platforms like Uber, Zomato, Netmeds and PVR. While in the Flipkart Axis Bank credit card, this 4% cashback is offered on Uber, Swiggy, Cult, and PVR. Neither of these cards offers lounge access.
3. Cashback & Rewards Comparison
Cashback:
Flipkart Axis Bank Credit Card: 5% cashback on Flipkart
SBI Flipkart Credit Card: 5% cashback on Flipkart
Partner platform benefits:
Flipkart Axis Bank Credit Card: Enjoy 7.5% cashback on Myntra, unlimited 4% cashback on select platforms, and a Swiggy welcome offer of 50% off up to ₹100 for first-time users. You also get Wednesday deals with up to 15% off on flights and hotels via MakeMyTrip, 10% off on Swiggy, up to ₹1,000 off on Tira, EMI options on spends above ₹2,500, and additional dining discounts.
SBI Flipkart Credit Card: Get 12% cashback on Cleartrip, 7.5% on Myntra, 4% on Zomato and Uber, and ₹1,000 off on your first Flipkart transaction. Enjoy 5% cashback on flights, 20% off on hotels plus 5% cashback, and a 10% instant discount on bus bookings.
Base Reward on Spends:
Flipkart Axis Bank Credit Card: 1.5% unlimited cashback
SBI Flipkart Credit Card: 1% Cashback on all spends
Fuel surcharge waiver:
Flipkart Axis Bank Credit Card: 1% fuel surcharge waiver across India
SBI Flipkart Credit Card: 1% fuel surcharge waiver across India
Welcome benefit:
Flipkart Axis Bank Credit Card: Activation benefits with ₹350 only for the paid cards with joining fee
SBI Flipkart Credit Card: ₹250 Flipkart Gift Card within 60 days of joining fee realization
Annual fee:
Flipkart Axis Bank Credit Card: Rs 500 + GST, joining fee is waived off for the first year during selected offer period, annual fee is waived on the spend of Rs 3.5 lakh and above
SBI Flipkart Credit Card: Rs 500+ GST, annual fees waived on spending Rs 3.5 Lakh and above within the year
Suitable for:
Flipkart Axis Bank Credit Card: Users who want guaranteed cashback
SBI Flipkart Credit Card: Users who shop more on Flipkart and prefer Flipkart rewards and vouchers
Which Card Gives Maximum Value?
You should get the Axis Bank Flipkart Credit Card if you want simple and guaranteed cashback every time or shop on Flipkart and other partner platforms like Swiggy and Myntra.
You can choose the SBI Flipkart Credit Card if you are more comfortable with the Flipkart reward system and won’t mind tier-based or point-based rewards.
To Sum up
If you want maximum consistent savings with minimum effort, the Axis Flipkart Credit Card is usually the better option for most beginners because of its flat and higher cashback structure. Choosing between the two solely depends on your shopping habits.
Also Read: 5 Best Credit Cards for Maximum Benefits on Online Shopping in 2025
FAQs
1. Which card offers the highest cashback on Flipkart?
Both cards offer 5% cashback on Flipkart but their reward structure slightly varies.
2. Which card is better for a beginner?
The Axis Flipkart credit card is more beginner-friendly because the cashback system is easy to track compared to the SBI Flipkart credit card.
3. Do both cards offer a fee waiver?
Yes. Both cards offer an annual fee waiver, depending on spending the threshold amount set by the bank.
4. Which credit card is better for shopping in general?
The Axis Flipkart Credit card is better for general shopping because it provides a flat 1.5% cashback on all kinds of spending.
5. Can I get both cards?
Yes. You can get as many co-branded credit cards as you want. Banks only consider your credit score and eligibility at the time of application.
Written by Supriya
