Axis Flipkart vs SBI ELITE
Side-by-side credit card comparison to help you choose the best one.
Axis Flipkart
Why this card wins: Flipkart Loyalists — 5% unlimited cashback on Flipkart
| Feature | ||
|---|---|---|
| Bank | Axis Bank | SBI |
| Card Type | Cashback | Super Premium |
| Annual Fee | ₹500 + GST | ₹4,999 + GST |
| Joining Fee | Nil | ₹4,999 + GST |
| Rewards | 5% unlimited cashback on Flipkart | 2X reward points on dining, movies & grocery |
| Best For | Flipkart Loyalists | Premium Lifestyle |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | None | 5000 bonus reward points |
| Min Income | ₹15,000/month | ₹60,000/month |
| Lounge Access | 4 domestic per year | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.7 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis Flipkart
Flipkart Loyalists
Mastercard • Cashback
- 4% cashback on preferred partners (Swiggy, PVR)
- 1.5% unlimited cashback on basic spends
- 4 complimentary lounge visits per year
- Instant discount offers on big billion days
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
Verdict
Based on rating and overall value, Axis Flipkart ranks highest among your selected cards. It excels at Flipkart Loyalists and offers 5% unlimited cashback on Flipkart.
Frequently asked questions
Which is better: Axis Flipkart or SBI ELITE?
Axis Flipkart has the higher CardKhoj rating (4.7/5) and is best for flipkart loyalists. SBI ELITE is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: Axis Flipkart and SBI ELITE?
Axis Flipkart is cheaper to hold at ₹500 + GST, compared with ₹4,999 + GST for SBI ELITE.
Do Axis Flipkart and SBI ELITE offer airport lounge access?
Axis Flipkart: 4 domestic per year. SBI ELITE: unlimited domestic + 6 international per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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