Flipkart Axis Bank Credit Card vs SBI SimplySAVE Credit Card
How Flipkart Axis Bank Credit Card and SBI SimplySAVE 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 SimplySAVE Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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.
SBI SimplySAVE Credit Card — better for everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card.
Side by side
| Flipkart Axis Bank Credit CardAxis Bank | SBI SimplySAVE Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹500 + GST (waived on ₹3.5L annual spend) | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) |
| Reward rate | 5% Flipkart/Cleartrip, 7.5% Myntra (capped); 4% partners; 1% else | 10 RP per ₹150 on dining/movies/groceries/departmental stores (~1.7%); 1 RP per ₹150 on other spends (~0.17%); 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Mastercard | Visa / Mastercard / RuPay |
| Eligibility | 18–70 yrs; ≈₹15,000+/mo (aggregator-sourced) | Age approx 21-70 years (salaried and self-employed); minimum income approx ₹20,000/month (aggregator-sourced) |
| Best for | Flipkart and Myntra shoppers who also use Swiggy, Uber and PVR. | Everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card. |
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 SimplySAVE Credit Card
- 10 RP per ₹150 on dining, movies, groceries and departmental stores (1 RP = ₹0.25, i.e. ~1.7%); 1 RP per ₹150 elsewhere
- Welcome bonus of 2,000 Reward Points on spending ₹2,000 within 60 days of issuance
- 1% fuel surcharge waiver on transactions of ₹500-3,000 (capped at ₹100 per statement cycle)
Flipkart Axis Bank Credit Card vs SBI SimplySAVE 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 SimplySAVE Credit Card suits everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card. 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 SimplySAVE Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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 SBI SimplySAVE Credit Card gives 10x reward points (10 rp per ₹150) on dining, movies, groceries and departmental store spends — effective ~1.7% reward value
Flipkart Axis Bank Credit Card: ₹500 + GST (waived on ₹3.5L annual spend). SBI SimplySAVE Credit Card: ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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.