Axis Flipkart vs Flipkart SBI Card

Reviewed by Chandan Kumar Dash

Both have the same annual fee, ₹500. Axis Flipkart waives its fee on ₹3,50,000 of spend a year; Flipkart SBI Card waives its fee on ₹3,50,000 of spend a year. After fees, Axis Flipkart comes out ahead for the frequent traveller, and Flipkart SBI Card for the everyday spender and online shopper. The Saifu app works it out on your own spends, on your phone.

Feature	Axis FlipkartAxis0 wins	Flipkart SBI CardSBI Card0 wins
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver	Waived on ₹3,50,000 spend a year	Waived on ₹3,50,000 spend a year
Rewards	Cashback on Myntra, Flipkart and Cleartrip; unlimited cashback on Swiggy, Uber, PVR and other preferred merchants	Up to 7.5% cashback on Flipkart, Myntra and Cleartrip
Airport lounges	None listed	None listed
Forex markup	3.5% plus GST	3.5% plus GST
Points	Cashback or not listed	Cashback or not listed
Published minimum income and age	age 18 to 70	Not published
Network	Visa / Mastercard	Mastercard
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

What each card earns in a year

Sample spender	Axis Flipkart	Flipkart SBI Card
Everyday spender₹30,000 a month	₹4,620 a year₹4,620 rewards, no fee to pay	More₹4,860 a year₹4,860 rewards, no fee to pay
Online shopper₹50,000 a month	₹13,860 a year₹13,860 rewards, no fee to pay	More₹13,980 a year₹13,980 rewards, no fee to pay
Frequent traveller₹1,00,000 a month	More₹16,560 a year₹16,560 rewards, no fee to pay	₹15,240 a year₹15,240 rewards, no fee to pay

The sample spends and how this is worked out

Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, Axis Flipkart or Flipkart SBI Card?

After fees, Axis Flipkart comes out ahead for the frequent traveller, and Flipkart SBI Card for the everyday spender and online shopper. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

Both charge ₹500 a year.

Add a third card Axis Flipkart Flipkart SBI Card

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