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	Flipkart SBI Card	Flipkart Axis Bank Credit Card
Best Suited for	🪙 Cashback 🛒 Online Shopping	🪙 Cashback 🛒 Online Shopping
Fee Details	Joining Fee ₹ 0 Annual/Renewal Fee ₹ 500 No joining fee for cards sourced between 1 September and 31 October 2026	Joining Fee ₹ 0 Annual/Renewal Fee ₹ 500 First year free from 1st Sep to 31st Oct 2026
Welcome Benefit	Flipkart gift card worth Rs. 250 at the time of joining fee	Joining benefit worth Rs. 350 from Flipkart and Swiggy
Reward/Cashback Rate	7.5% cashback on Myntra, capped at Rs. 4,000 per quarter 5% cashback on Flipkart & Cleartrip, up to Rs. 4,000 each per quarter 4% cashback on partner merchants, including Netmeds, PVR, Uber & Zomato, capped at Rs. 4,000 per quarter 1% unlimited cashback on other categories	7.5% cashback on Myntra 5% cashback on Flipkart and Cleartrip 4% cashback on preferred merchants - FITPASS, Stoga by FITPASS, PVR, Swiggy, Uber 1% cashback across all other spends
Lounge Access	NA	4 complimentary domestic lounge visits in a year
Pros	7.5% cashback on Myntra Welcome benefits worth Rs. 250 5% cashback on Flipkart & Cleartrip 4% cashback on partner merchants Unlimited base cashback on spends other than merchants	Accelerated cashback (5%) for all Flipkart users 7.5% cashback on Myntra Unlimited cashback on partner merchants Good cashback rate across accelerated categories
Cons	Low base cashback of 1% on other spends No complimentary lounge access benefits Quarterly capping on accelerated cashback High annual fee waiver condition for an entry-level card	Low cashback on non-accelerated categories Long list of exclusions from rewards program Not suitable for users seeking benefits on offline shopping or non-brand benefits High annual fee waiver condition for an entry-level card No complimentary lounge access benefits
Who should get this card?	Flipkart & Myntra loyalist seeking a low annual fee card with decent cashback on online spends	People who prefer shopping at Flipkart and other partners, like Cleartrip, Swiggy and more.