Flipkart Axis Bank Credit Card vs Flipkart SBI Credit Card

Both the Flipkart Axis Bank Credit Card and the Flipkart SBI Credit Card are designed for frequent Flipkart shoppers and users who regularly spend on partner platforms like Myntra, food delivery, and lifestyle brands. On the surface, both cards promise high cashback on e-commerce purchases and similar overall value.

However, once you look closely at fees, cashback caps, partner benefits, and approval ease, small but important differences start to appear. These differences can help determine which card better suits your spending habits and preferences.

This comparison covers welcome benefits, cashback structure, fees, and key practical differences to help you make a confident choice.

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Welcome Benefits

When it comes to welcome benefits, both cards offer similar joining value. However, the Flipkart Axis Bank Credit Card gets a slight edge with additional food delivery offers and travel-related perks.

Rewards and Cashback Structure

Cashback is the core strength of both cards, especially for users who shop online frequently.

Both cards offer excellent cashback rates within the Flipkart ecosystem. The key difference lies in the 4% category, where the Axis card usually provides uncapped benefits on select lifestyle, food, and ride platforms, while the SBI card applies a quarterly cap.

Fees and Annual Charges

The fee structure for both cards is largely similar, making cost less of a deciding factor.

From a fee and cost perspective, both cards are nearly identical, with only minor differences in interest calculations.

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Key Practical Differences

While rewards and fees are similar, a few practical aspects may influence your decision.

• The Flipkart Axis Bank Credit Card is generally easier to get approved, thanks to Axis Bank’s smoother digital application and faster processing.
• The Flipkart SBI Credit Card typically involves stricter eligibility checks and a more detailed approval process.
• Axis Bank offers stronger travel-related tie-ups through Cleartrip, while SBI focuses more on everyday partner merchants.

Bottom Line

In 2026, both the Flipkart Axis Bank Credit Card and the Flipkart SBI Credit Card remain excellent choices for online and Flipkart-focused spending. They offer strong cashback rates, reasonable fees, and similar quarterly caps, making them equally rewarding for most users.

The Flipkart Axis Bank Credit Card may appeal more to users who value easier approval and uncapped cashback on select lifestyle and food platforms. The Flipkart SBI Credit Card, while slightly stricter in approval, delivers comparable value and performs better in some capped categories.

If you want a smoother application experience and flexible partner benefits, the Axis card is the better pick. If you are comfortable with SBI’s approval process and already use SBI products, the SBI card is equally worthwhile.