SBI Flipkart Credit Card vs Axis Flipkart Credit Card: Which One Wins in 2025? | BluePages
Flipkart’s co-branded credit cards with SBI and Axis Bank deliver powerful cashback and tailored perks. But for the discerning cardholder, nuances matter. Here’s a robust comparison to guide your pick.
Comparison Table
| Feature | SBI Flipkart Credit Card | Axis Flipkart Credit Card |
|---|---|---|
| Joining / Annual Fee | ₹500 + GST; annual fee reversed if spends ≥ ₹3.5L | ₹500 + GST (promotional waiver period offerings may apply) |
| Welcome Benefit | ₹250 Flipkart voucher; extra ₹1,000 on first Flipkart transaction | ₹250 Flipkart voucher; Swiggy ₹100 off on activation |
| Flipkart / Cleartrip Cashback | 5% up to ₹4,000 per quarter | 5% up to ₹4,000 per quarter |
| Myntra Cashback | 7.5% up to ₹4,000 per quarter | 7.5% up to ₹4,000 per quarter |
| Partner Merchant Cashback | 4% at Zomato, Uber, PVR, Netmeds | 4% at Swiggy, Uber, PVR, Cult.fit |
| Other Spending | 1% unlimited | 1% unlimited |
| Fuel Surcharge Waiver | 1% waiver up to ₹400 per month | 1% waiver up to ₹400 per month |
| Dining & Lifestyle Addons | None | 15% off via EazyDiner, previously offered lounge access (now removed) |
Insight Highlights
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Welcome Perks: SBI includes a strong voucher incentive tied to your first Flipkart purchase, while Axis leans towards lifestyle utility (e.g., Swiggy discount).
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Cashback Structure: Both provide industry-leading cashback rates within Flipkart’s ecosystem.
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Merchant Coverage: SBI favours food and health spots like Zomato and Netmeds; Axis swaps in Swiggy and fitness offerings like Cult.fit.
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Premium Add-ons: Axis used to offer lounge access and strong dining perks, although lounge benefits were recently discontinued. SBI keeps it simpler.
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Fuel Savings: Both offer equal fuel surcharge waivers, making them evenly matched in this department.
Final Recommendation
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Choose the SBI Flipkart Credit Card if you shop heavily on Flipkart and can unlock the joining fee waiver through high annual spends; its straightforward offerings and payout frequency suit frequent Flipkart users.
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Choose Axis Flipkart Credit Card if you value flexibility in spending (with options across food, fitness, and transport) and welcome lifestyle-focused perks. Note: Airport lounge access is no longer included.
Inspiring Conclusion
In 2025, co-branded credit cards are more than just payment tools—they’re rewarding portals that reflect your lifestyle. Whether you want maximum e-commerce cashback, fuel benefits, or targeted perks, all it takes is choosing the right Flipkart partner card.
Let your spending style guide your card choice—and keep winning every transaction.
Comments (2)
This blog has helped me to find out the right card for my use., rather that confusing me, it has helped me a lot. Thanks for information
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