Flipkart shoppers today have two solid options for co-branded credit cards: the Flipkart Axis Bank Credit Card and the Flipkart SBI 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).
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