Flipkart Axis Bank Credit Card Vs Flipkart SBI Credit Card
These two cards are aimed at Flipkart-savvy shoppers, including their other partners. Promising the shoppers better cashback on e-commerce, food, and lifestyle spends. Both cards offer industry-leading cashback rates on Flipkart, Myntra, and partner platforms.
But beneath the similar marketing lies a difference in fees, reward structure, and small print that will decide which card fits your pocket and spending habits.
This article will break down fees and annual charges, rewards and cashback structures, caps and limits, and key practical differences to help you choose confidently.
Welcome Benefits
| Features | Flipkart Axis Bank Credit Card | Flipkart SBI Bank Credit Card |
| Swiggy Offer | Additional ₹100 Off For First Time users | N/A |
| Welcome Benefits | Consumers Will Receive a ₹250 Voucher Upon Joining | Consumers Will Receive a ₹250 Voucher Upon Joining |
In 2026, when it comes to additional benefits, the Flipkart Axis Bank Credit Card clearly has an edge, with its travel benefits.
Rewards And Cashback
The heart of any reward card is its cashback and reward rates, and for online shoppers, these two features deliver strong returns. Both co-branded cards offer substantial value, primarily by providing cashback within the Flipkart ecosystem.
| Features | Flipkart Axis Bank Credit Card | Flipkart SBI Bank Credit Card |
| Cashback On Myntra | 7.5% Cashback On Myntra (Capped at ₹4,000 Per Quarter) | 7.5% Cashback On Myntra (Capped at ₹4,000 Per Quarter) |
| Cashback on Flipkart and Cleartrip spends | 5% Also Capped at ₹4,000 Per Quarter | 5% Also Capped at ₹4,000 Per Quarter |
| Cashback On Preferred Merchants | 4% Cashback Uncapped | 4% Cashback Capped at ₹4,000 |
| Eligible Spends | 1% Cashback on All Eligible Spends | 1% cashback on Eligible Spends |
The cashback is directly credited to the card account. Both cards provide excellent cashback rates for online shopping, making them a good choice for regular usage. The primary difference lies in the 4% category: Axis typically highlights rides, food, and lifestyle, while Flipkart SBI has more partners, such as Zomato and Netmeds.
Fees & Annual Charges
The fundamental fee structure for both cards is mostly similar, making them equally accessible from a cost perspective. Both cards feature identical joining and annual fees, which can be waived upon meeting a minimum spending requirement. However, minor variations exist in other charges, such as late payment penalties and interest rates.
| Features | Flipkart Axis Bank Credit Card | Flipkart SBI Credit Card |
| Joining Fee | ₹500 + GST | ₹500+ GST |
| Spend-Based Waiver | Annual Fees Waiver On Spending ₹3.5 Lakh | Annual Fees Waiver On Spending ₹3.5 Lakh |
| Fuel Surcharge | 1% Surcharge For Fuel Purchases between ₹400 and ₹4000 (Max Waiver Capped at ₹400/Per Month) | 1% Surcharge For Fuel Purchases between ₹400 and ₹4000 (Max Waiver Capped at ₹400/Per Month) |
| Interest Rate | 3.75% Per Month or 55.55% Annually | 3.75% Per Month or 45% Annually |
Carefully considering the fees and annual charges for both cards, they are identical and have literally no difference.
Bottom Line
For 2026, both the Flipkart Axis Bank Credit Card and Flipkart SBI Bank Credit Card remain top choices for e-commerce shopping, especially on Flipkart-related platforms. They offer generous cashback in their specified categories at reasonable fees. Neither card offers complimentary lounge access, and both have quarterly caps. Both cards are more or less evolved and similar in many ways. Both cards provide roughly the same value to consumers, with SBI Bank Credit performing better in certain areas.
Another aspect of these credit cards is that, if you already own an Axis Bank card, or even if you don’t have an Axis card, it would be easier to get one than an SBI card because of Axis Bank’s streamlined process. In contrast, the SBI has a Stricter risk assessment, which makes issuing the SBI card more complicated.
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