Flipkart Axis Bank Credit Card vs SBI Cashback Credit Card
How Flipkart Axis Bank Credit Card and SBI Cashback Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: Flipkart Axis Bank Credit Card costs ₹500 + GST (waived on ₹3.5L annual spend) and SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) — both waivable on spend, so the rewards decide it.
Flipkart Axis Bank Credit Card — better for flipkart and myntra shoppers who also use swiggy, uber and pvr.
SBI Cashback Credit Card — better for online shoppers who want flat, auto-credited cashback across most sites.
Side by side
| Flipkart Axis Bank Credit CardAxis Bank | SBI Cashback Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹500 + GST (waived on ₹3.5L annual spend) | ₹999 + GST (waived on ₹2L annual spend) |
| Reward rate | 5% Flipkart/Cleartrip, 7.5% Myntra (capped); 4% partners; 1% else | 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle) |
| Lifetime-free | No | No |
| Network | Mastercard | Visa / RuPay |
| Eligibility | 18–70 yrs; ≈₹15,000+/mo (aggregator-sourced) | Approx 21–70 yrs; salaried/self-employed with stable income |
| Best for | Flipkart and Myntra shoppers who also use Swiggy, Uber and PVR. | Online shoppers who want flat, auto-credited cashback across most sites. |
Flipkart Axis Bank Credit Card
- 5% cashback on Flipkart & Cleartrip, 7.5% on Myntra (each cap ₹4,000/quarter)
- 4% unlimited on Swiggy, Uber, PVR & Cult.fit; 1% on other eligible spends
- Annual fee waived on ₹3.5L annual spend
SBI Cashback Credit Card
- 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
- 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
- Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more
Flipkart Axis Bank Credit Card vs SBI Cashback Credit Card — FAQs
Neither is universally better. Flipkart Axis Bank Credit Card suits flipkart and myntra shoppers who also use swiggy, uber and pvr. SBI Cashback Credit Card suits online shoppers who want flat, auto-credited cashback across most sites. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: Flipkart Axis Bank Credit Card costs ₹500 + GST (waived on ₹3.5L annual spend) and SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) — both waivable on spend, so the rewards decide it. On rewards, Flipkart Axis Bank Credit Card gives 5% on flipkart & cleartrip, 7.5% on myntra, 4% on swiggy/uber/pvr/cult.fit. whereas SBI Cashback Credit Card gives 5% cashback on almost all online spends (no merchant tie-in), auto-credited.
Flipkart Axis Bank Credit Card: ₹500 + GST (waived on ₹3.5L annual spend). SBI Cashback Credit Card: ₹999 + GST (waived on ₹2L annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.