Compare SBI Flipkart Credit Card vs. Axis Flipkart Credit Card in 2025. Check fees, cashback offers, partner benefits, and find out if SBI Cashback Credit Card is a better option.
SBI Flipkart Credit Card Review 2025 – Features, Benefits & Comparison with Axis Flipkart Credit Card
SBI Card has launched a brand-new SBI Flipkart Credit Card, and it’s already creating buzz in the Indian credit card market. The reason? It offers an impressive 7.5% cashback on Myntra purchases and solid rewards on Flipkart, Cleartrip, and partner brands.
But is this card better than the Axis Bank Flipkart Credit Card, which has been around for years? In this article, we’ll break down the fees, welcome benefits, cashback structure, and partner offers of the SBI Flipkart Credit Card and compare it directly with the Axis Flipkart Credit Card. By the end, you’ll know which card is the smarter choice in 2025.
SBI Flipkart Credit Card Fees & Charges
- Joining Fee: ₹500 + 18% GST (₹590 total)
- Annual Fee: ₹590 (waived if you spend ₹3.5 lakh in a year)
This fee is in line with most entry-level co-branded shopping credit cards.
Welcome Benefits
Where you apply for the card makes a big difference:
- If applied via SBI official website: ₹250 Flipkart voucher only.
- If applied via Flipkart (website/app):
- ₹250 Flipkart voucher
- Additional ₹500 Flipkart voucher
- ₹500 Cleartrip voucher
Total welcome benefit via Flipkart = ₹1,250 value
Clearly, applying through Flipkart is the smarter choice.
Cashback Structure of SBI Flipkart Credit Card
- 7.5% cashback on Myntra (capped at ₹4,000 per quarter)
- 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter)
- 4% cashback on partner brands: Zomato, Uber, Netmeds, PVR (capped at ₹4,000 per quarter)
- 1% cashback on all other spends (unlimited)
No cashback on: fuel, EMIs, jewelry, insurance, school/education spends, and government services.
SBI Flipkart vs. Axis Flipkart Credit Card
Feature SBI Flipkart Credit Card Axis Flipkart Credit Card Joining/Annual Fee ₹500 + GST (waived on ₹3.5L spend) ₹500 + GST (waived on ₹3.5L spend) Welcome Benefit Up to ₹1,250 (Flipkart + Cleartrip) ₹250 Flipkart + ₹100 Swiggy (new users only) Flipkart Cashback 5% 5% Myntra Cashback 7.5% 7.5% Partner Brands (4% Cashback) Zomato, Uber, Netmeds, PVR Swiggy, Uber, PVR, Cult.fit Other Spends 1% unlimited 1% unlimited Cashback Cap ₹4,000 per quarter ₹4,000 per quarter
The main difference lies in partner brands. If you spend more on Zomato/Netmeds, SBI Flipkart is better. If your spends are on Swiggy/Cult.fit, Axis Flipkart is more useful.
SBI Flipkart vs. SBI Cashback Credit Card
While both cards are great, many users may find the SBI Cashback Credit Card a better all-rounder:
- Flat 5% cashback on all online spends (no merchant restrictions)
- Monthly cashback cap of ₹5,000 (higher than Flipkart card’s quarterly cap)
- Annual fee: ₹999 + GST (waived on ₹2L annual spend)
If you shop across multiple platforms beyond Flipkart/Myntra, the SBI Cashback Credit Card offers more flexibility and higher value.
Who Should Get the SBI Flipkart Credit Card?
This card is perfect if:
- You shop frequently on Myntra, Flipkart, and Cleartrip
- You regularly use partner services like Zomato, Uber, Netmeds, or PVR
- Your annual spending is high enough to get the annual fee waived
If your shopping is more diversified (Amazon, Ajio, other online merchants), then the SBI Cashback Credit Card may be the better choice.
Final Verdict
The SBI Flipkart Credit Card is a strong challenger to the Axis Flipkart Credit Card. It offers better welcome benefits and different partner brand coverage. However, both cards now have a quarterly cashback cap of ₹4,000, which reduces their overall value compared to earlier versions.
For Flipkart and Myntra loyalists, the SBI Flipkart Credit Card is worth it. But for those who want maximum cashback freedom across all online platforms, the SBI Cashback Credit Card remains the smarter pick in 2025.