Axis Flipkart vs SC Ultimate
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 | Super Premium |
| Annual Fee | ₹500 + GST | ₹5,000 + GST |
| Joining Fee | Nil | ₹5,000 + GST |
| Rewards | 5% unlimited cashback on Flipkart | 3.33% rewards value on all spends |
| Best For | Flipkart Loyalists | Luxury Travel |
| 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 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹15,000/month | ₹1,00,000/month |
| Lounge Access | 4 domestic per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.7 | 4.7 |
| 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 Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
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 Ultimate?
Axis Flipkart has the higher CardKhoj rating (4.7/5) and is best for flipkart loyalists. SC Ultimate is the better fit if your priority is luxury travel. The right choice depends on where you spend most.
Which has the lower annual fee: Axis Flipkart and SC Ultimate?
Axis Flipkart is cheaper to hold at ₹500 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do Axis Flipkart and SC Ultimate offer airport lounge access?
Axis Flipkart: 4 domestic per year. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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