Flipkart SBI vs Axis Bank Credit Card – Best for Online Shopping Rewards?
Choosing between Flipkart SBI and Flipkart Axis Bank credit cards can be challenging since both target online shoppers with attractive cashback rewards. The SBI variant offers 5% on Flipkart and 7.5% on Myntra with quarterly caps, while the Axis version provides similar rates but with lifetime free options through select channels. Both cards excel at e-commerce rewards but differ in fee structures, welcome benefits, and cashback limits. This comparison examines their features, annual costs, reward programs, and eligibility to help you determine which card maximizes your online shopping savings.
| Flipkart SBI Credit Card | Flipkart Axis Bank Credit Card |
|---|---|
 SBI |  Axis Bank |
| Card Network | |
| Mastercard, Visa | Mastercard, Visa |
| USP | |
| The Flipkart SBI Credit Card delivers exceptional value for online shoppers with 5% cashback on Flipkart purchases, 7.5% on Myntra, and 4% on popular platforms like Zomato and Uber, making it the perfect companion for digital-savvy consumers seeking maximum savings on everyday e-commerce and lifestyle spending. | Flipkart Axis Bank Credit Card delivers high cashback on Flipkart, Myntra, and preferred merchants, making it ideal for avid online shoppers seeking maximum savings and exclusive lifestyle rewards. |
| Annual Fee | |
| 500 Plus GST | 500 Lifetime free for select channels |
| Joining Fee | |
| 500 Plus GST | 500 Lifetime free for select channels |
| Welcome Benefits | |
| ₹250 Flipkart Gift Card within 60 days of joining fee payment. Additional benefits worth ₹1,000 (₹500 Flipkart e-gift card + ₹500 Cleartrip flight coupon) on first Flipkart transaction within 30 days if applied via Flipkart App between Aug 26 and Dec 31, 2025. | ₹350 worth of activation benefits (including ₹250 Flipkart voucher on first transaction for paid cards) |
| Lounge Access | |
| N/A | N/A |
| Reward Rate | |
| Earn 5% cashback on Flipkart, 7.5% on Myntra, 4% on Zomato, Uber, Netmeds, and PVR, and 1% on all other eligible spends. Flipkart and Myntra cashback capped at ₹4,000 per quarter. Minimum transaction of ₹100 required for cashback. | Earn 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, and 4% on Swiggy, PVR, etc, 1.5% on other online spends on all online spends & 1% on offline transactions |
| Interest Rate | |
| 3.75% per month (45% per annum) | 3.6% per month (52.86% per annum) |
| Best For | |
| Online Shopping | Online Shopping |
| Pros | |
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| Cons | |
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| Apply Now | Apply Now |
Final Verdict
The Flipkart Axis Bank Credit Card emerges as the better choice for most online shoppers due to its lifetime free option through select channels, making it cost-effective for regular e-commerce users. However, the Flipkart SBI Credit Card suits those who prioritize lower interest rates and don’t mind annual fees, especially if carrying balances occasionally. Choose Axis for zero-fee online shopping rewards, or SBI if you value better interest rates and guaranteed welcome benefits. Both cards offer identical Flipkart and Myntra cashback, so your decision should hinge on fee structure and application channel availability.
Frequently Asked Questions
Q1: Which card is better for Flipkart shopping – SBI or Axis Bank credit card? Both offer identical 5% cashback on Flipkart purchases, but the Axis Bank card wins with its lifetime free option through select channels, eliminating annual fees while maintaining the same reward rate, making it more cost-effective for regular Flipkart shoppers.
Q2: Does Flipkart SBI or Axis credit card have lower annual fees? The Flipkart Axis Bank Credit Card offers lifetime free membership through select application channels, while the SBI variant charges ₹500 joining and annual fees with no waiver. However, SBI’s ₹250 welcome gift partially offsets the first-year cost.
Q3: What’s the cashback difference on Myntra between Flipkart SBI and Axis cards? Both cards offer the same 7.5% cashback on Myntra purchases. However, the SBI card has a quarterly cashback cap of ₹4,000 combining Flipkart and Myntra spends, which may limit benefits for high-volume fashion shoppers during sale seasons.
Q4: Which Flipkart credit card has better welcome benefits – SBI or Axis? The Flipkart SBI card offers superior welcome benefits with a ₹250 gift card plus potential ₹1,000 in additional rewards (₹500 Flipkart voucher + ₹500 Cleartrip coupon) for app applicants. Axis provides ₹350 activation benefits including a ₹250 voucher.
Q5: Is the interest rate different between Flipkart SBI and Axis Bank credit cards? Yes, significantly. The SBI card charges 45% annual interest (3.75% monthly), while the Axis card has a higher 52.86% annual rate (3.6% monthly). If you carry balances, the SBI card’s lower interest saves money despite its annual fee.
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