Flipkart shoppers today have two solid options for co-branded credit cards: the Flipkart Axis Bank Credit Card and the SBI Flipkart Credit Card. Both cards reward users for purchases on Flipkart, but they offer different features. The Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart. It also provides dining perks through Axis Bank Dining Delights, making it a preferred choice for those seeking reliable rewards and lifestyle advantages. In contrast, the Flipkart SBI Card attracts new users with welcome benefits worth up to ₹500, along with 5% cashback on Flipkart. It has a straightforward cashback structure that works well for regular online shoppers.
Both cards have the same joining and renewal fee of ₹500 plus taxes, but the main difference is how you earn and use cashback. This comparison looks at fees, cashback, and benefits so you can choose the card that fits your spending habits best.
| Feature | Flipkart Axis Bank Credit Card | Flipkart SBI Credit Card |
|---|---|---|
| Joining Fee | ₹500 + GST | ₹500 + GST |
| Annual Fee | ₹500; waived on spends above ₹3,50,000 | ₹500; waived on spends above ₹3,50,000 |
| Welcome Benefits | ₹500 Flipkart + Myntra ₹500 | ₹1250 Flipkart + Cleartrip + cashback |
| Cashback on Flipkart | 5% | 5% |
| Cashback on Myntra | 7.5% | 7.5% |
| Cashback on Preferred Merchants | 4% | 4% |
| Other Spends | 1% | 1% |
| Fuel Surcharge Waiver | 1% waiver ₹400–₹4,000, cap ₹400/month | 1% waiver ₹500–₹3,000, cap ₹100/month |
| Dining Benefits | Axis Bank Dining Delights available | Not available |
| EMI Conversion | Flipkart above ₹1,500 | Flipkart + Cleartrip + utility bills |
| Add-on Card | Available | Available |
| Annual Fee Waiver Condition | Spend ₹3,50,000 | Spend ₹3,50,000 |
Axis Flipkart Credit Card vs SBI Flipkart Credit Card
For users wanting to maximize rewards on Flipkart and partner platforms, both the Flipkart Axis Bank Credit Card and the Flipkart SBI Credit Card offer good benefits, but they serve different needs. The SBI Flipkart Credit Card has higher welcome benefits, such as Flipkart vouchers, Cleartrip rewards, and cashback on the first transaction, making it more appealing for new cardholders. The cashback on Flipkart and Myntra is similar for both cards, but the SBI card has structured benefits on Myntra that can slightly outperform the Axis Bank card. In contrast, the Axis Bank Flipkart Credit Card adds more value with the Axis Bank Dining Delights program, higher fuel surcharge waivers, and steady cashback on other spending categories, which is helpful for regular daily spenders. The SBI card offers broader EMI conversion options, covering utility bills and Cleartrip purchases, while the Axis Bank card primarily focuses on Flipkart transactions. Choosing between these two cards comes down to whether the user prefers higher welcome rewards and more EMI options (SBI) or better daily spending benefits and dining perks (Axis Bank).
FAQ
- Which Flipkart Credit Card is best?
Choosing between the Flipkart Axis Bank Credit Card and the Flipkart SBI Credit Card depends on how you spend. The Axis card suits those who shop on Flipkart and use lifestyle platforms like Myntra, Swiggy, Uber, and PVR. In contrast, the SBI Flipkart Card fits customers who prefer simple cashback on purchases from Flipkart and Myntra, along with extra welcome benefits.
- Is it worth taking a Flipkart Axis Bank Credit Card?
Yes, if you shop online often and spend on lifestyle needs, this card offers good value. It gives 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, plus 4% cashback at partner merchants like Swiggy and Uber. Although airport lounge access ends in June 2025, the cashback system makes it a good choice for spending primarily on partner sites.
- Is Flipkart Axis Credit Card the same as a regular Axis Bank Credit Card?
No. The Flipkart Axis Bank Credit Card is a co-branded product created with Flipkart. It has a unique cashback system for Flipkart, Myntra, Cleartrip, and lifestyle categories. Other Axis Bank cards, such as Axis ACE or Magnus, have different rewards and perks.
- Flipkart Axis Bank Card vs SBI Flipkart Card – which is better?
Axis Flipkart Card offers higher cashback on Myntra and lifestyle partners, but no longer provides airport lounge access. However SBI Flipkart Card: Provides better welcome benefits (up to ₹1,250) and simpler cashback credited directly to your statement within two days.
Both cards charge an annual fee of ₹500, which is waived if you spend over ₹3.5 lakh. Your choice depends on whether you want lifestyle perks (Axis) or straightforward cashback with upfront welcome benefits (SBI).
- What are the annual charges for Flipkart SBI Credit Card?
The joining and annual fee is ₹500 plus GST. The renewal fee is waived if you spend ₹3.5 lakh or more in the previous year. This makes the card affordable for regular shoppers on Flipkart and Myntra.
- Does the Flipkart Axis Bank Credit Card offer lounge access?
No. Axis Bank stopped domestic lounge access for the Flipkart Axis Credit Card starting June 20, 2025. Now, this card focuses entirely on cashback for online and lifestyle spending.
- What are the charges for the Flipkart Axis Bank Credit Card?
Both the Flipkart Axis Bank Credit Card and the SBI Flipkart Credit Card come with a joining fee of ₹500 plus GST and an annual renewal fee of ₹500 plus GST. The renewal fee is waived if the annual spends exceed ₹3.5 lakh, excluding rent and wallet transactions, making the fee structure identical for both cards.
- What cashback does the Flipkart Axis Bank Credit Card offer?
The Flipkart Axis Bank Credit Card offers 7.5% cashback on Myntra, capped at ₹4,000 per quarter. It gives 5% cashback on Flipkart and Cleartrip, also capped at ₹4,000 per quarter for each. Additionally, it provides 4% cashback on Swiggy, Uber, PVR, and other partner merchants, with no limit. For all other eligible purchases, it offers 1% cashback. This structure makes the card very rewarding for online shopping and everyday expenses.
- What benefits does the SBI Flipkart Credit Card provide?
The Flipkart Axis Bank Credit Card gives 7.5% cashback on Myntra, capped at ₹4,000 per quarter. It offers 5% cashback on Flipkart and Cleartrip, also capped at ₹4,000 per quarter for each. You can earn 4% cashback on Swiggy, Uber, PVR, and other partner merchants with no limit. For all other eligible purchases, it provides 1% cashback. This setup makes the card very rewarding for online shopping and everyday spending.
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