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| Feature | Axis Bank Axis Bank Cashback Credit Card | SBI Card Flipkart SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹1,000 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹4,00,000 annual spending | At ₹3,50,000 annual spending |
| Base reward rate | 0.8% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Online cashback: ₹4,000/statement cycle · Utility cashback: ₹100/statement cycle | Myntra cashback: ₹4,000/quarter · Flipkart and Shopsy cashback: ₹4,000/quarter · Cleartrip cashback: ₹4,000/quarter · Selected-partner cashback: ₹4,000/quarter |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹30,000/month | Approx. ₹25,000/month |
| Terms verified | 21 Sept 2026 | 21 Sept 2026 |
| Best suited to | High online spenders who also want a meaningful uncapped rate on offline and travel spending. | Flipkart, Myntra and Cleartrip shoppers who want a lifetime-free card. |
| Main trade-off | Online cashback is stepped, not flat: you need to cross ₹40,000 in a single month to hit the top 7% tier, and the whole online bucket caps at ₹4,000/month regardless of tier. | This card is not lifetime free. Selected-merchant accelerators, application-channel welcome gifts and exclusions are conditional. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
