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Credit CardsComparisons

Airtel Axis Bank Card vs Flipkart SBI Card

A head-to-head comparison of Airtel Axis Bank Card and Flipkart SBI Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

E-commerce & BrandsCard A

Airtel Axis Bank Card

Airtel Subscribers

Annual Fee
₹500
Reward Rate
25% on Airtel Bills
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E-commerce & BrandsCard B

Flipkart SBI Card

Flipkart Loyalists

Annual Fee
₹500
Reward Rate
7.5% on Myntra, 5% on Flipkart, 12% on Cleartrip
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Feature comparison

FeatureAirtel AxisFlipkart SBI
Annual Fee₹500 (Waived on ₹2L spend)₹500 + taxes (Waived on ₹3.5L spend)
Reward Rate25% on Airtel Bills7.5% on Myntra, 5% on Flipkart, 12% on Cleartrip
Best ForAirtel SubscribersFlipkart Loyalists
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAirtel AxisFlipkart SBI
Online shopping
Groceries
Dining
Movies & entertainment
Domestic travel
Utility bills
Subscriptions

Quick verdict

Choose Airtel Axis Bank Card if:

  • You spend heavily on utility bills
  • You spend heavily on subscriptions
  • You spend heavily on dining
  • You spend heavily on movies & entertainment
  • You spend heavily on groceries

Choose Flipkart SBI Card if:

  • You spend heavily on online shopping
  • You spend heavily on domestic travel

Full pros & cons

Airtel Axis Bank Card

What's good
  • 25% cashback on Airtel bills — unmatched telecom savings
  • 10% value back on Zomato, Blinkit & District Movies (max ₹200/partner per month, min order ₹499)
  • 10% cashback on utility payments via Airtel app
Watch out for
  • Cashback caps now tied to base (1%) spend — Airtel telecom cap = 2× base cashback earned; utility cap = 1× base cashback
  • Zomato/Blinkit/District value back credited to partner wallets, not bank statement
  • No lounge access (discontinued April 2026)
  • Offers zero value for Jio, Vodafone, or BSNL users
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Flipkart SBI Card

What's good
  • Rs. 250 Flipkart Gift Card on fee realisation, plus Rs. 1,000 extra on the first Flipkart transaction
  • 7.5% cashback on Myntra
  • 5% cashback on Flipkart
  • 12% off on Cleartrip
  • 4% cashback on preferred/select merchants and 1% on all other eligible spends
  • 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 4,000 (max Rs. 400 per statement cycle)
Watch out for
  • Renewal fee reversal only after Rs. 3.5L annual spend
  • Partner offers are narrow — the card is strongest only if you regularly shop on Flipkart, Myntra, or Cleartrip
  • Most value sits behind issuer/partner terms, so caps and merchant lists can change
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