Axis Flipkart Credit Card vs SBI Flipkart Credit Card

[Pravin2407]

I have recently looked into both the Axis Flipkart Credit Card and the SBI Flipkart Credit Card and thought I’d share a clear comparison for anyone confused between the two.

Welcome Benefits:

• SBI Flipkart Credit Card clearly wins here. You get ₹250 Flipkart voucher on fee payment, plus extra ₹500 cashback after your first Flipkart transaction and ₹500 voucher on Cleartrip.
• Axis Flipkart Credit Card offers a total of ₹350 in welcome benefits (₹250 Flipkart + Swiggy discount), which is comparatively lower.

Cashback:

• Both cards give 5% cashback on Flipkart and 7.5% on Myntra, so no big difference there.
• For preferred merchants, Axis Bank offers 4% cashback on platforms like Swiggy, Uber, PVR, Tata 1mg, and Cleartrip, while SBI has 4% on partner merchants like Zomato, Uber, and PVR.
• For other spends, Axis Bank provides 1% cashback on everything, whereas SBI has exclusions like fuel and EMI payments.

Fuel Surcharge & Dining:

• Axis Bank offers 1% fuel surcharge waiver on a wider transaction range (₹400–₹4,000) and a higher cap (₹400/month).
• SBI has 1% waiver ₹500–₹3,000, capped at ₹100/month.
• Dining perks are only available with Axis Bank via their Dining Delights program.

EMI & Add-on Cards:

• SBI has broader EMI options covering Flipkart, Cleartrip, and utility bills.
• Axis Bank focuses mainly on Flipkart purchases above ₹1,500.
• Both cards allow add-on cards.

Annual Fee Waiver:

• Axis Bank: Spend ₹2,00,000 in a year.
• SBI: Spend ₹3,50,000 in a year.

My thoughts

• If you want higher welcome rewards and broader EMI options, SBI Flipkart card is better.
• If your focus is daily spends, fuel surcharge waiver, and dining benefits, and want more credit limit then Axis Flipkart card wins.

Personally, I’d choose based on where I spend more, what you will choose from both?