Flipkart Axis Bank Credit Card vs Flipkart SBI Card
How Flipkart Axis Bank Credit Card and Flipkart SBI Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Neither is lifetime-free: Flipkart Axis Bank Credit Card costs ₹500 + GST (waived on ₹3.5L annual spend) and Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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.
Flipkart SBI Card — better for regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points.
Side by side
| Flipkart Axis Bank Credit CardAxis Bank | Flipkart SBI CardSBI Card | |
|---|---|---|
| Annual fee | ₹500 + GST (waived on ₹3.5L annual spend) | ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) |
| Reward rate | 5% Flipkart/Cleartrip, 7.5% Myntra (capped); 4% partners; 1% else | 7.5% cashback on Myntra; 5% on Flipkart and Cleartrip; 4% on partner merchants (Uber/Zomato/Netmeds/PVR); 1% on all other eligible spends (uncapped). Each accelerated category has its OWN separate cashback cap of ₹4,000 per quarter (not a shared cap) - i.e. Myntra up to ₹4,000/qtr, Flipkart up to ₹4,000/qtr, Cleartrip up to ₹4,000/qtr, partner merchants up to ₹4,000/qtr. Cashback auto-credited as statement credit (within ~15 days of the statement cycle), no points/redemption. |
| Lifetime-free | No | No |
| Network | Mastercard | Visa / Mastercard |
| Eligibility | 18–70 yrs; ≈₹15,000+/mo (aggregator-sourced) | Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced) |
| Best for | Flipkart and Myntra shoppers who also use Swiggy, Uber and PVR. | Regular Flipkart and Myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. |
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
Flipkart SBI Card
- 7.5% cashback on Myntra and 5% on Flipkart/Cleartrip - each category has its own separate cap of ₹4,000/quarter
- 4% cashback on partner merchants - Uber, Zomato, Netmeds, PVR (own ₹4,000/quarter cap); 1% on all other spends (uncapped)
- 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000 (max ₹400/statement cycle); no lounge access
Flipkart Axis Bank Credit Card vs Flipkart SBI Card — FAQs
Neither is universally better. Flipkart Axis Bank Credit Card suits flipkart and myntra shoppers who also use swiggy, uber and pvr. Flipkart SBI Card suits regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. 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 Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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 Flipkart SBI Card gives 7.5% cashback on myntra and 5% on flipkart and cleartrip (each category cap ₹4,000 per quarter)
Flipkart Axis Bank Credit Card: ₹500 + GST (waived on ₹3.5L annual spend). Flipkart SBI Card: ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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.