Best Credit Cards for Flipkart Shopping — SBI vs Axis

Honest comparison, updated 2026

If Flipkart is where most of your online shopping happens, a co-branded Flipkart credit card can turn that spending into real cashback. Two banks offer one: SBI and Axis. They look nearly identical on paper — same fee, similar core cashback — but the differences matter depending on what else you spend on. Here's an honest breakdown of both.

This page contains affiliate links; we may earn a commission at no cost to you.

Quick Comparison

Both cards charge the identical ₹500 fee with the identical ₹3.5 lakh waiver threshold — so the fee itself isn't a deciding factor. What differs is where the accelerated cashback actually applies.

1. Flipkart SBI Card — best if you use Cleartrip for travel

The standout difference here is 12% cashback on Cleartrip (versus Axis's 5%) — including instant discounts on flight, hotel, and bus bookings through Cleartrip specifically. If you already book your travel there, this card pulls ahead noticeably.

• What you earn: 5% on Flipkart, 7.5% on Myntra, 12% on Cleartrip, 4% on Netmeds/Zomato/PVR/Uber (up to ₹4,000/quarter each), 1% on everything else
• Welcome benefit: ₹250 Flipkart gift card after fee payment, plus ₹1,000 extra on your first Flipkart transaction within 30 days
• Good if: you're a Flipkart + Cleartrip user, or want simpler cashback with fewer partner brands to track
• Watch out for: cashback doesn't apply to fuel, rent, government payments, jewellery, insurance, education, gaming, wallets, or EMI transactions on any of these platforms

Apply for Flipkart SBI Card →

2. Flipkart Axis Bank Card — best for broader lifestyle spending

Axis's version keeps the same Flipkart/Myntra rates but spreads its 4% partner-merchant cashback across a slightly different (arguably more everyday-useful) set: Swiggy, Uber, PVR, and Cult.fit, plus up to 15% off dining at 10,000+ restaurants through Axis's EazyDiner tie-up.

• What you earn: 5% on Flipkart, 7.5% on Myntra (capped ₹4,000/quarter each), 5% on Cleartrip, 4% on Swiggy/Uber/PVR/Cult.fit, 1% on everything else
• Extra perks: Up to 15% off at 10,000+ partner restaurants via Axis Dining Delights
• Good if: food delivery, dining out, and fitness/lifestyle spending (Cult.fit) are a bigger part of your monthly budget than travel bookings
• Watch out for: airport lounge access, which this card used to offer, was discontinued in June 2025 — if you saw an older review mentioning lounge visits, that benefit no longer applies

Apply for Flipkart Axis Bank Card →

So, Which One Should You Get?

• Book travel through Cleartrip regularly? → Flipkart SBI Card (12% vs 5% is a big gap)
• Order Swiggy, go to the movies, or have a Cult.fit membership? → Flipkart Axis Bank Card
• Just want straightforward Flipkart + Myntra cashback and don't care about the rest? → Either works identically — pick whichever approval process is easier for you

Since both charge the same fee with the same waiver, there's no real cost to picking wrong — the difference only shows up in your partner-merchant spending habits.

FAQs

Can I get both cards? Yes, nothing stops you from holding both — but most people won't see enough incremental value to justify two ₹500 fees unless you're spending heavily across both banks' cashback categories.

Is the ₹3.5 lakh spend threshold realistic for an entry-level card? It's on the higher side — that works out to roughly ₹29,000/month in eligible spending. If you're a moderate shopper, you may end up paying the ₹500 fee most years rather than waiving it, so factor that into the actual cost of the card.

Do these cards work for offline shopping too? Yes, both work at any POS terminal or online checkout — but the accelerated cashback (5%, 7.5%, 12%, 4%) only applies to the named platforms and partner merchants. Everything else, online or offline, earns the flat 1% base rate.

Fees, cashback rates, and terms are set by the respective banks and can change — always check the issuer's current terms before applying. This guide reflects publicly available information as of 2026 and is not financial advice.