The short answer
In the Flipkart Axis vs Flipkart SBI comparison, the two cards earn the same on Flipkart, Myntra and Cleartrip, with the same fee. The difference is elsewhere. Flipkart Axis earns more if you order a lot on Swiggy, and Flipkart SBI earns more if you pay many bills on the card, because Axis gives no cashback on them.
Flipkart Axis vs Flipkart SBI at a glance
These two cards look almost the same on paper. The figures below come live from our card records. The second table shows what each card is worth in a year, after the renewal fee with GST.
| Detail | Flipkart Axis Bank Credit Card | Flipkart SBI Credit Card |
|---|---|---|
| Network | Mastercard | Visa, Mastercard |
| Joining fee | ₹500 | ₹500 |
| Annual fee | ₹500 | ₹500 |
| Fee waived at | ₹3,50,000 a year | ₹3,50,000 a year |
| Rewards | 7.5% on Myntra5% on Flipkart5% on Cleartrip4% on Swiggy1% on other spends | 7.5% on Myntra5% on Flipkart5% on Cleartrip1% on other spends |
| No rewards on | Fuel, utility and telecom bills, education, rent, wallet loads, gift cards, government services, insurance, gold and jewellery, financial institutions, bridge, road and toll fees, EMI transactions, cash advances, card fees and balance payments. | Fuel, wallet loads, gift or prepaid card loads, voucher purchases, cash advances, rent, government payments, education, jewellery, insurance, gaming, EMI spends, card fees and balance payments. |
| Foreign currency markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver on fuel transactions between ₹400 and ₹4,000, up to ₹400 per statement cycle. GST on the surcharge is not refunded. | 1% waiver on fuel transactions up to ₹4,000, up to ₹400 per statement cycle. |
| Age | 18 to 70 | 21 to 70 |
| Lowest salaried income | Not stated | Not stated |
| Value a year on this spending | Flipkart Axis Bank Credit Card | Flipkart SBI Credit Card |
|---|---|---|
| Mostly Flipkart shopping₹20,000 a month | ₹9,010* | ₹9,010* |
| Flipkart and Myntra shopping₹20,000 a month | ₹11,170* | ₹11,170* |
| Flipkart plus a lot of Swiggy₹20,000 a month | ₹8,530* | ₹5,650* |
| Flipkart plus a lot of bills₹20,000 a month | ₹4,930* | ₹5,650* |
| High spending across the board₹42,000 a month | ₹16,800* | ₹14,640* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Yearly value is rewards minus the renewal fee with GST, worked out from each bank's terms by the same maths as our finder. Fees in the first table are before GST. Cards are compared on value, never on what a bank pays us.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money
How the yearly value is worked out
Here is the working for one spender, line by line. The Flipkart line is the same on both cards. The whole gap comes from one category.
| Flipkart plus a lot of Swiggy | Spend a month | Flipkart Axis Bank Credit Card | Flipkart SBI Credit Card |
|---|---|---|---|
| Dining and food delivery | ₹8,000 | ₹3,840* | ₹960* |
| Online shopping | ₹8,000 | ₹4,800* | ₹4,800* |
| Everything else | ₹4,000 | ₹480* | ₹480* |
| Renewal fee with GST | ₹590 | ₹590 | |
| Value a year | ₹8,530* | ₹5,650* |
Card columns show rewards for the whole year. *Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Where the two cards are the same
- The rates on Myntra, Flipkart and Cleartrip match, and each has its own quarterly limit.
- The joining fee, the annual fee and the spend that waives the fee match.
- Neither card gives cashback on fuel, rent or wallet loads.
- All other eligible spends earn the same base rate, with no limit.
Where Flipkart Axis wins
Flipkart Axis pays a higher rate at preferred merchants, with no limit. The bank's list shows Swiggy, Uber, PVR, FITPASS and Stoga by FITPASS, and it can change the list without notice. If you spend a lot at these, Axis pulls ahead. Our tables count Swiggy only, so Uber or PVR spending would add to its lead.
Where Flipkart SBI wins
Flipkart Axis gives no cashback on utility and telecom bills. Flipkart SBI does not list them as excluded, so they earn its base rate. Flipkart SBI also covers Shopsy and Flipkart Travel in its Flipkart rate, and it comes on Visa as well as Mastercard.
Quarterly cashback limits
Both cards limit cashback on Flipkart, Myntra and Cleartrip for each quarter, and each of the three has its own limit. Two points are easy to miss.
- The quarter is not a calendar quarter. It runs over three billing cycles, so check your own dates.
- After the limit, Flipkart SBI pays no cashback at that merchant until the quarter resets. So a big sale purchase can use up your limit in one go.
Our tables spread each quarterly limit evenly over three months. If you buy in bursts, your real cashback may be lower.
Fees and fee waiver in detail
The fee amounts match, but the terms differ a little. Flipkart Axis charges its annual fee from the second year. It waives the fee if you spend more than its yearly level, and rent and wallet loads do not count towards that. Flipkart SBI waives the renewal fee if you reach its level in the previous year. GST is added to all fees.
Flipkart Axis also adds a small fee on rent and on education payments through third-party apps. A fee also applies in a statement cycle if your utilities, fuel, wallet loads or online skill gaming go past set levels. Read the card page if you plan to use the card for these.
Welcome benefit
Both cards give a Flipkart voucher, on different conditions. Flipkart Axis gives it on your first transaction within a set time after issue, but cards with a first-year-free offer do not get it. Flipkart SBI gives it within a set time after the fee is paid, and the voucher has a validity period. We leave welcome gifts out of the yearly value, because they come only once.
Eligibility for each card
Flipkart Axis has the lower starting age of the two and needs the main cardholder to be a resident of India. For Flipkart SBI, the policy we checked sets a higher starting age, with different ranges for salaried and self-employed people. Neither source gives a minimum income. These rules are only a guide, and each bank decides every application.
Fuel, foreign spending and lounges
Neither card earns cashback on fuel, though both waive the fuel surcharge within set limits. Both show the same foreign currency markup, and neither lists lounge visits in our records. Flipkart SBI comes on Visa as well as Mastercard, while Flipkart Axis comes on Mastercard. If you want lounges or low foreign charges, look at other cards in the credit card finder.
Who each card suits
- Flipkart Axis may suit you if you spend at its preferred merchants, such as Swiggy, Uber or PVR.
- Flipkart SBI may suit you if you pay bills on the card, use Shopsy or Flipkart Travel, or want a choice of network.
- Either may suit you if you use the card only on Flipkart and Myntra. Pick the bank you already use, and check which card's limits and fees fit your year.
How to pick between the two
Look at your last three statements. If food delivery and rides are a big part, Flipkart Axis usually earns more. If you put your bills on the card, Flipkart SBI usually earns more. If you use the card only for Flipkart and Myntra, the two earn the same, so pick the bank you already use.
Frequently asked questions
Which is better, Flipkart Axis or Flipkart SBI?
They earn the same on Flipkart, Myntra and Cleartrip. Flipkart Axis earns more if you spend a lot on Swiggy, Uber or PVR. Flipkart SBI earns more if you pay bills with the card.
Do both cards have the same fee?
Yes. The joining fee, the annual fee and the yearly spend that waives the fee are the same today. Check the table above for the current figures.
Does Flipkart Axis give cashback on bills?
No. Utility and telecom bills are on its excluded list.
Is the cashback limit monthly?
No. Both cards set the limit per quarter, and it is separate for each of Flipkart, Myntra and Cleartrip. The quarter follows your billing cycles, not the calendar.
Do I have to redeem the cashback?
Flipkart Axis credits cashback straight to your statement, so there are no points to redeem. Check Flipkart SBI's page for how it credits yours.
Which card has the lower age limit?
Flipkart Axis starts at a lower age in our records. Check the table above for the current figures.
Do both cards give a welcome voucher?
Both give a Flipkart voucher, on different conditions. On Flipkart Axis, cards with a first-year-free offer do not get it.
Can I get cashback on fuel with these cards?
No. Fuel earns no cashback on either card, but both waive the fuel surcharge within set limits.
What happens after I reach the quarterly limit?
Flipkart SBI's terms say that merchant earns no cashback until the quarter resets. We count nothing above the limit on either card.
