Both cards compared on real rupee returns for Axis Flipkart vs CUB Level UP which better credit card India. We ran the numbers so you can make the right call.
Last updated: October 2026 · Based on current card terms
AXIS
AXIS FLIPKART
ASHOK KUMAR
VS
CITY UNION
CUB SALARYSE L
ASHOK KUMAR
Our verdict
Axis Flipkart Credit Card wins for most people
Card A wins decisively with ₹5,740 annual benefit versus Card B's loss of ₹116. Card A's cashback structure aligns perfectly with this spend profile, especially shopping categories, making it the clear winner.
Side-by-side comparison
Axis Flipkart Credit Card ✓CUB SalarySe Level UP Credit Card
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition →7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter; unlimited 4% at preferred partners (Swiggy, Uber, PVR, Fitpass and Stoga); 1% on other spends; no cashback on utilities, rent, wallets, fuel, insurance, education or government payments1 RP per ₹100 on non-SalarySe UPI apps (0.2% at 5 SCoins = ₹1); 5 RP per ₹100 on SalarySe UPI, online and offline spends up to ₹20,000/month (1%); 10 RP per ₹100 above ₹20,000/month (2%); a Salary Day Bonus of 25 RP per ₹100 (about 7.5% effective) on SalarySe UPI spends on the 1st and last day of the month only, capped at 5,625 points/month on the physical card or 3,750 on virtual
Choose Card A if you shop frequently on Flipkart and Myntra, dine out regularly, or use Swiggy and Uber. Your ₹6,000 monthly shopping spend maximizes its 4-5% rewards on these platforms.
CUB SalarySe Level UP Credit Card
Card B suits salaried UPI-heavy spenders who transact primarily on SalarySe apps and benefit from lounge access. However, this profile doesn't leverage those advantages, making Card B uneconomical here.
Who should get which card
Get Axis Flipkart if you…
· Flipkart and Myntra shoppers with ₹6,000+ monthly shopping spend
· Regular Swiggy and Uber users earning 4% unlimited rewards
· Benefit outweighs ₹500 annual fee easily with consistent cashback
Based on our analysis, Axis Flipkart Credit Card offers better annual returns for most spend profiles.
Axis Flipkart Credit Card has an annual fee of ₹500 + taxes annual from year 2 (waived on ₹3,50,000 annual spend). CUB SalarySe Level UP Credit Card has an annual fee of ₹500 + GST joining and renewal (renewal waived on ₹2,00,000 annual spend); a lifetime-free virtual-only variant is also available with reduced benefits.
Axis Flipkart Credit Card offers 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter; unlimited 4% at preferred partners (Swiggy, Uber, PVR, Fitpass and Stoga); 1% on other spends; no cashback on utilities, rent, wallets, fuel, insurance, education or government payments. CUB SalarySe Level UP Credit Card offers 1 RP per ₹100 on non-SalarySe UPI apps (0.2% at 5 SCoins = ₹1); 5 RP per ₹100 on SalarySe UPI, online and offline spends up to ₹20,000/month (1%); 10 RP per ₹100 above ₹20,000/month (2%); a Salary Day Bonus of 25 RP per ₹100 (about 7.5% effective) on SalarySe UPI spends on the 1st and last day of the month only, capped at 5,625 points/month on the physical card or 3,750 on virtual.
Axis Flipkart Credit Card lounge access: None (discontinued in June 2025). CUB SalarySe Level UP Credit Card lounge access: 12 domestic visits/year, unlocked monthly on ₹10,000+ spend in the previous billing cycle - physical variant only, not available on the lifetime-free virtual-only card.
Axis Flipkart Credit Card charges 3.5% forex markup. CUB SalarySe Level UP Credit Card charges 1% on the physical variant; 2% on the lifetime-free virtual-only variant forex markup.