Flipkart Axis Bank vs Standard Chartered Smart
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Standard Chartered Smart wins 5-3. Entry tier alternative — flat 2% on online spends. Flipkart Axis Bank is still the right call if flipkart loyalists who also use myntra and cleartrip.
Side-by-side
| Criterion | Flipkart Axis Bank | Standard Chartered Smart |
|---|---|---|
| Annual fee | · ₹500 | ₹499 |
| Joining fee | · ₹500 | ₹499 |
| Top reward rate | 5% (shopping) | · 2% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = ₹500 Amazon voucher on first 30-day spend |
| Fee waiver threshold | · ₹350,000 / yr | ₹120,000 / yr |
| Min income | · ₹360,000 | ₹250,000 |
| 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
Standard Chartered Smart
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
FAQ
›Flipkart Axis Bank vs Standard Chartered Smart: which is better?
Standard Chartered Smart 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, Standard Chartered Smart for online shopping. 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. Standard Chartered Smart: ₹500 Amazon voucher on first 30-day spend.