In today’s digital spending environment, choosing the right cashback credit card can significantly boost your annual savings. Flipkart’s co-branded cards with Axis Bank and SBI Card are two of the most popular options for frequent online shoppers.
Both cards reward users on Flipkart purchases, partner platforms, and everyday spending categories. However, each card is designed with a different user profile in mind. This article provides a clear, financial-blog–friendly comparison to help you identify which card provides maximum value based on your spending habits.
Overview of Both Cards
Before comparing benefits, it’s important to understand the fundamental approach of these cards:
Flipkart Axis Bank Credit Card targets users with broader lifestyle spending patterns — dining, food delivery, cab rides, fuel, and travel.
Flipkart SBI Credit Card focuses strongly on online shopping cashback, especially within the Flipkart ecosystem.
Both come with annual fees, spending-based waivers, and cashback structures, making them attractive for value-seeking customers.
- Cashback and Rewards Comparison
A. Cashback on Flipkart, Myntra & Cleartrip
Axis Flipkart Card: Offers consistent cashback on Flipkart and partner platforms.
SBI Flipkart Card: Provides identical cashback percentages on the same platforms.
Financial Insight:
Both cards offer equal value for pure Flipkart ecosystem spending. If most of your transactions are on Flipkart or Myntra, you won’t see a major difference.
B. Cashback on Partner Categories
Includes food delivery, transport apps, entertainment, pharmacy, and lifestyle merchants.
Axis Flipkart Card: Offers wider coverage across lifestyle categories.
SBI Flipkart Card: Offers partner cashback but is slightly more concentrated on online brands.
Financial Insight:
Axis delivers broader cashback opportunities, adding value to users with diverse spending.
C. Base Cashback on General Spending
Both cards offer standard cashback on non-category spending.
Financial Insight:
Axis card tends to offer better value for everyday use, making it the more versatile option.
- Welcome Benefits
Axis Flipkart Card: Provides welcome perks depending on bank campaigns.
SBI Flipkart Card: Usually provides higher-value onboarding benefits such as vouchers.
Financial Insight:
For new cardholders, SBI often offers more attractive joining rewards, enhancing its short-term value.
- Annual Fees and Waivers
Both cards come with similar annual fees and offer spend-based annual fee waivers.
If you use the card regularly, the fee can be easily recovered through cashback alone.
- Lifestyle & Additional Benefits
Axis Flipkart Credit Card
Dining discounts
Fuel surcharge waiver
EMI conversion options
Wider lifestyle merchant benefits
SBI Flipkart Credit Card
Strong online shopping focus
Travel-related offers
Entertainment benefits during promotions
Financial Insight:
Axis takes the lead in lifestyle privileges, making it ideal for offline and hybrid spenders.
Which Card Provides Maximum Benefit?
Your spending behaviour determines the real winner.
Choose the SBI Flipkart Credit Card if you:
Primarily shop on Flipkart, Myntra, and Cleartrip
Want strong welcome benefits
Prefer simple, online-focused cashback
Have limited spending on offline categories like fuel or dining
Best For: Students, online shoppers, and Flipkart-centric users.
Choose the Axis Flipkart Credit Card if you:
Spend across multiple categories — food delivery, rides, fuel, dining, online shopping
Want broader lifestyle and offline benefits
Prefer a well-rounded card for daily use
Best For: Working professionals, families, and users with balanced online + offline spending.
Real-Life Use Cases
Case 1: Frequent Online Shopper
Buys mainly on Flipkart/Myntra
Limited food delivery or cab usage
Better Value: SBI Flipkart Credit Card
Case 2: Mixed Spender
Shops online
Orders food frequently
Uses cab services
Dines out occasionally
Uses fuel
Better Value: Axis Flipkart Credit Card
Final Verdict
Both cards are excellent cashback options, but the best choice depends on your spending mix:
SBI Flipkart Credit Card → Best for online-first shoppers
Axis Flipkart Credit Card → Best for all-round lifestyle users
