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Comparison · हिन्दी

SBI Cashback vs Axis Flipkart

Both cards compared on real rupee returns for best online shopping credit card India SBI cashback vs Axis Flipkart. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
SBI
CASHBACK
ASHOK KUMAR
VS
AXIS
ASHOK KUMAR
Our verdict
SBI Cashback Credit Card wins for most people
Card A wins with ₹6,201 annual benefit versus Card B's ₹5,140, delivering superior value for this mixed spend profile despite its higher fee.
Side-by-side comparison
SBI Cashback Credit Card ✓ Axis Flipkart Credit Card
Annual benefit ₹6,201 ₹5,140
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (waived on ₹2L spend) ₹500 + taxes (waived on ₹2L annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month 5% cashback on Flipkart and Myntra; 4% on preferred merchants; 1.5% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No 4 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Flat 5% on all online spends up to ₹40,000/month Flipkart and Myntra shoppers
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
SBI Cashback Credit Card
Choose Card A if you shop online frequently and can achieve ₹2L annual spend to waive the fee. Its uncapped 5% online cashback up to ₹40,000/month significantly outperforms competitors for digital purchases.
Axis Flipkart Credit Card
Choose Card B if you're a regular Flipkart and Myntra shopper with consistent spending on these platforms. The lower fee and 5% cashback on these retailers offers better value for focused e-commerce users.
Who should get which card
Get SBI Cashback if you…
· Higher annual benefit of ₹6,201 after accounting for all fees
· Flat 5% cashback on all online spends (up to ₹40,000/month)
· Fee waived on ₹2L annual spend, making it free for moderate spenders
· Better for diversified shopping across multiple online platforms
Get Axis Flipkart if you…
· Lower annual fee of ₹500 + taxes
· 5% cashback exclusively on Flipkart and Myntra purchases
· Ideal if 70%+ of shopping happens on Flipkart/Myntra
· Easier fee waiver at ₹2L annual (vs ₹2L monthly for Card A)
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, SBI Cashback Credit Card offers better annual returns for most spend profiles.
SBI Cashback Credit Card has an annual fee of ₹999 + taxes (waived on ₹2L spend). Axis Flipkart Credit Card has an annual fee of ₹500 + taxes (waived on ₹2L annual spend).
SBI Cashback Credit Card offers 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month. Axis Flipkart Credit Card offers 5% cashback on Flipkart and Myntra; 4% on preferred merchants; 1.5% on others.
SBI Cashback Credit Card lounge access: No. Axis Flipkart Credit Card lounge access: 4 visits/year (domestic).
SBI Cashback Credit Card charges 3.5% forex markup. Axis Flipkart Credit Card charges 3.5% forex markup.