Flipkart SBI vs. Axis Flipkart Credit Cards
Here’s a comparison table between the Flipkart SBI Credit Card (the newer co-branded card) and the Axis Bank Flipkart Credit Card, highlighting key features, fees, cashback, and perks to help you make an informed choice:
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Comparison Table: Flipkart SBI vs. Axis Flipkart Credit Cards
| Feature | Flipkart SBI Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Annual Fee | ₹500 + GST (waived on spends of ₹3.5 lakh/year) | ₹500 + GST (waived on spends of ₹3.5 lakh/year) |
| Welcome Benefits | Flipkart ₹250 + up to ₹1,250 in vouchers (launch offer) | Flipkart ₹250 voucher + 50% off (₹100 max) on Swiggy + Myntra 15% off (₹500 max) + others (Card Insider, Paisabazaar) |
| Myntra Cashback | 7.5% (capped at ₹4,000 per quarter) | 7.5% (capped at ₹4,000 per quarter) (Axis Bank, Flipkart, mint) |
| Flipkart & Cleartrip Cashback | 5% (capped at ₹4,000 per quarter per merchant) | 5% (capped at ₹4,000 per quarter per merchant) (mint, Paisabazaar) |
| Preferred Merchants (Uber, Swiggy, etc.) | 4% unlimited cashback (e.g., Zomato, Uber, PVR) (Flipkart, Axis Bank) | 4% unlimited cashback (Flipkart, Paisabazaar) |
| Other Eligible Spends | 1% cashback (unlimited) | 1% cashback (unlimited) (Flipkart, Paisabazaar) |
| Fuel Surcharge Waiver | Unspecified in sources | 1% waiver up to ₹400/month on ₹400–4,000 fuel spends (mint, Paisabazaar) |
| Dining Discounts | None specified | 15% off up to ₹500 via Axis Dining Delights (EazyDiner) (mint, Paisabazaar) |
| Airport Lounge Access | Not mentioned | Discontinued since June 20, 2025 (The Economic Times, mint) |
| Cashback Crediting | Auto-credited to statement | Auto-credited to statement (Reddit, Paisabazaar) |
| Best For | Fashion/Flipkart ecosystem shoppers | Flipkart/Myntra frequent shoppers plus dining (with Dining Delights) |
| Notable Advantage | Simplicity + strong cashback structure | Welcome offers + lifestyle discounts via dining + fuel waiver |
| Drawbacks | Fewer lifestyle perks | Many category exclusions; lounge access removed; only platform-specific cashback |
What Else You Should Know
- Axis Card Changes (June 2025): From June 20, the Flipkart Axis card increased cashback on Myntra—but removed airport lounge access. (The Economic Times)
- User Sentiment: On Reddit, users note that SBI’s flat cashback may outperform tiered models after certain spend thresholds. One wrote: “Till ₹47.5k, SBI wins… then Axis with tiered 7 % gains momentum… but SBI catches up again past ₹80k.” (Reddit)
Summary
- Choose Flipkart SBI Credit Card if you want a straightforward 5% cashback on online purchases, especially outside specific platforms.
- Choose Flipkart Axis Bank Credit Card if you often shop on Flipkart, Myntra, Cleartrip. Enjoy welcome perks, dining discounts, and fuel waiver benefits. This is despite the lack of lounge access now.
