Flipkart Axis Bank vs IRCTC SBI Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Flipkart Axis Bank wins 5-3. Flipkart loyalists who also use Myntra and Cleartrip IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | Flipkart Axis Bank | IRCTC SBI Premier |
|---|---|---|
| Annual fee | ₹500 | · ₹1,499 |
| Joining fee | ₹500 | · ₹1,499 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | 3.5% | · 4% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 1,500 IRCTC reward points |
| Fee waiver threshold | · ₹350,000 / yr | ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | · 730 | 720 |
| Editorial rating | 4.4/5 | · 4/5 |
Benefits compared
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic lounge visits per year
- 1% fuel surcharge waiver
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
FAQ
›Flipkart Axis Bank vs IRCTC SBI Premier: which is better?
Flipkart Axis Bank wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Flipkart Axis Bank for its best categories, IRCTC SBI Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days. IRCTC SBI Premier: 1,500 IRCTC reward points.