Flipkart Axis Bank vs SBI IRCTC 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 SBI IRCTC Premier is still the right call if heavy irctc train booking users..
Side-by-side
| Criterion | Flipkart Axis Bank | SBI IRCTC Premier |
|---|---|---|
| Annual fee | ₹500 | · ₹1,499 |
| Joining fee | ₹500 | · ₹1,499 |
| Top reward rate | · 5% (shopping) | 10% (travel) |
| Base reward rate | 1.5% | · 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | · ₹350,000 / yr | ₹200,000 / yr |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | 730 | · 740 |
| Editorial rating | 4.4/5 | · 3.9/5 |
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 IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›Flipkart Axis Bank vs SBI IRCTC 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, SBI IRCTC 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. SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.