Flipkart Axis Bank vs Flipkart SBI Credit Card: Which is Best?
Confused between the Flipkart Axis Bank Credit Card and Flipkart SBI Credit Card? Check out our deep-dive comparison covering cashback rules, partner benefits, and fees to find the perfect card for your shopping needs.
If you are a frequent shopper on Flipkart, having a co-branded credit card is one of the smartest ways to save money. Currently, Flipkart offers two major co-branded credit cards in India: the Flipkart Axis Bank Credit Card and the Flipkart SBI Credit Card. While both promise a massive 5% cashback on Flipkart, their partner privileges, lounge benefits, and cashback structures differ significantly. Let’s dive into this exclusive guide to find out which card deserves a place in your wallet.
Quick Comparison: Axis vs SBI
| Features | Flipkart Axis | Flipkart SBI |
|---|---|---|
| Flipkart Reward | 5% Cashback | 5% Cashback |
| Capping Pool | ₹4,000/Quarter | ₹4,000/Quarter |
| Myntra Discount | 7.5% Cashback | 7.5% Cashback |
| Key Partners | Swiggy, Uber, PVR | Zomato, Netmeds |
| Partner Cap | 4% Unlimited | 4% (Inside Pool) |
| Lounge Access | 4/Yr (1 per Qtr) | Not Available |
| Other Spends | 1% Unlimited | 1% Unlimited |
| Annual Fee | ₹500 (Waived @ 3.5L) | ₹500 (Waived @ 3.5L) |
Key Differences You Must Know
1. Partner Merchant Network & Capping
This is where the real game changes. If you order food frequently via Swiggy or book rides through Uber, the Axis variant gives you an unlimited 4% cashback. On the other hand, if your preferences lean toward Zomato or buying medicines from Netmeds, the SBI variant offers 4% cashback, but it shares the quarterly capping pool of ₹4,000 with your Flipkart spends.
2. Airport Lounge Access
For travelers, the Flipkart Axis Bank Credit Card clearly takes the lead by offering 4 complimentary domestic airport lounge visits per calendar year (restricted to 1 per quarter). The Flipkart SBI Credit Card does not offer any complimentary lounge access.
Go for the Axis Bank variant if you want lounge access and heavy usage on Swiggy/Uber. Pick the SBI variant if you already exhaust your Axis Bank credit limits or specifically want a powerful card for Zomato and Netmeds ecosystem discounts.
Apply Now For Maximum Rewards
Flipkart Axis Bank Credit Card
Best for Unlimited Partner Cashback & Free Airport Lounge Access.
Flipkart SBI Credit Card
Best for Zomato & Netmeds Users looking to expand their SBI portfolio.
Conclusion
While both cards provide an exceptional 5% return on Flipkart shopping, the Flipkart Axis Bank Credit Card edges ahead due to its unlimited partner cashback model and complimentary lounge access benefits. However, if you are an avid Zomato user or want to leverage SBI's banking ecosystem offers, the Flipkart SBI Card is a stellar addition. Choose the one that perfectly aligns with your monthly lifestyle spends!
