Axis Flipkart vs SC DigiSmart
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 | Standard Chartered |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹500 + GST | Lifetime Free |
| Joining Fee | Nil | Nil |
| Rewards | 5% unlimited cashback on Flipkart | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Flipkart Loyalists | Online Shopping |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | None |
| 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 ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.7 | 4.3 |
| 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
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
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 SC DigiSmart?
Axis Flipkart has the higher CardKhoj rating (4.7/5) and is best for flipkart loyalists. SC DigiSmart is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: Axis Flipkart and SC DigiSmart?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹500 + GST for Axis Flipkart.
Do Axis Flipkart and SC DigiSmart offer airport lounge access?
Axis Flipkart: 4 domestic per year. SC DigiSmart: 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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