Cashback SBI Card vs Flipkart Axis
Cashback SBI Card is better for online shopping, travel & flights, while Flipkart Axis wins on food delivery & dining. Flipkart Axis is cheaper to keep (₹500/year).
SBI Card
Cashback SBI Card
•••• 5764Visa
Axis Bank
Flipkart Axis Bank Credit Card
•••• 6161Mastercard
| Cashback SBI Card | Flipkart Axis Bank Credit Card | |
|---|---|---|
| Issuer | SBI Card | Axis Bank |
| Network | Visa | Mastercard |
| Best for | Online shopping | Flipkart & Myntra |
| Headline benefit | 5% online cashback | 7.5% on Myntra |
| Joining fee | ₹999 | ₹500 |
| Annual fee | ₹999 | ₹500 |
| Fee waiver | ₹2,00,000 spend | ₹3,50,000 spend |
| Works on UPI | No | No |
| Lounge access | None | None |
| Online shopping rewards | 5% | 4% |
| Groceries rewards | 1% | 1% |
| Food delivery & dining rewards | 1% | 4% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | – | – |
| Travel & flights rewards | 5% | 4% |
| Everything else rewards | 1% | 1% |
| Apply now | Apply now |
Choose Cashback SBI Card if…
- No merchant restrictions: 5% on almost any website
- Straight cashback with no points to redeem
- Simple, predictable rewards
Watch out for
- Online cashback is capped at ₹5,000 per statement
- No lounge access
- Fuel, rent and wallets excluded
Choose Flipkart Axis if…
- Top rewards on Flipkart and Myntra
- 4% on popular apps like Swiggy and Uber
- Cashback credited directly
Watch out for
- Fee waiver needs a high ₹3.5 lakh spend
- No lounge access
- Utilities and fuel excluded
Verdict
Cashback SBI Card is better for online shopping, travel & flights, while Flipkart Axis wins on food delivery & dining. Flipkart Axis is cheaper to keep (₹500/year). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.