Axis Flipkart vs SBI SimplySAVE
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 | Rewards |
| Annual Fee | ₹500 + GST | ₹499 + GST |
| Joining Fee | Nil | ₹499 + GST |
| Rewards | 5% unlimited cashback on Flipkart | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Flipkart Loyalists | Everyday Spending |
| 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 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | 500 bonus reward points |
| Min Income | ₹15,000/month | ₹20,000/month |
| Lounge Access | 4 domestic per year | None |
| 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 | ₹249 + GST |
| Rating | 4.7 | 4.2 |
| 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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 SimplySAVE?
Axis Flipkart has the higher CardKhoj rating (4.7/5) and is best for flipkart loyalists. SBI SimplySAVE is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: Axis Flipkart and SBI SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹500 + GST for Axis Flipkart.
Do Axis Flipkart and SBI SimplySAVE offer airport lounge access?
Axis Flipkart: 4 domestic per year. SBI SimplySAVE: no complimentary lounge access.
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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