Head-to-head · 🇮🇳 India
Flipkart Axis Bank vs SBI ELITE
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Flipkart Axis Bank
Wins 6 of 10
IN
Premium
SBI Card
SBI ELITE
Wins 2 of 10
Verdict
Flipkart Axis Bank wins 6-2. Flipkart loyalists who also use Myntra and Cleartrip SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | Flipkart Axis Bank | SBI ELITE |
|---|---|---|
| Annual fee | ₹500 | · ₹4,999 |
| Joining fee | ₹500 | · ₹4,999 |
| Top reward rate | 5% (shopping) | · 2% (general) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹350,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 730 | · 770 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›Flipkart Axis Bank vs SBI ELITE: which is better?
Flipkart Axis Bank wins on more dimensions (6 vs 2). 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, SBI ELITE 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. SBI ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.