Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank - Flipkart Axis Bank Credit Card vs Apollo SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
View Full Details

SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank - Flipkart Axis Bank Credit CardApollo SBI Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹3,50,000₹1,00,000
Base Reward Rate1%0.25%
Reward CurrencyCashbackReward Points
NetworkVisaMastercard
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank - Flipkart Axis Bank Credit Card

  • 0% on Myntra — 4000 pts/month
  • 0% on Flipkart — 4000 pts/month
  • 0% on Cleartrip — 4000 pts/month
  • 0% on Preferred Merchants (Swiggy...

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

Pros & Cons

Axis Bank - Flipkart Axis Bank Credit Card

Pros

  • 7.5% cashback on Myntra spends (capped at ₹4,000 per quarter)
  • 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
  • Unlimited 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit
  • Unlimited 1% cashback on all other eligible spends with no minimum transaction value

Cons

  • Complimentary domestic airport lounge access has been discontinued since June 2025
  • High annual fee waiver threshold of ₹3.5 lakh compared to other entry-level cards
  • Cashback exclusions include fuel, wallet loads, rent, insurance, and utilities

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

Axis Bank - Flipkart Axis Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank - Flipkart Axis Bank Credit Card if

High cashback rates on these platforms make it the best choice for frequent shoppers.

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: Axis Bank - Flipkart Axis Bank Credit Card or Apollo SBI Card?
Axis Bank - Flipkart Axis Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank - Flipkart Axis Bank Credit Card and Apollo SBI Card?
Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500, while Apollo SBI Card has an annual fee of ₹499. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank - Flipkart Axis Bank Credit Card or Apollo SBI Card?
Axis Bank - Flipkart Axis Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Myntra and Flipkart. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both Axis Bank - Flipkart Axis Bank Credit Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank - Flipkart Axis Bank Credit Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank - Flipkart Axis Bank Credit Card or Apollo SBI Card?
For beginners, Apollo SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank - Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Bank Credit CardApollo SBI Card vs Amazon Pay ICICI Bank Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs Axis Bank Aura Credit CardApollo SBI Card vs Axis Bank Aura Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs SBI Card PULSEApollo SBI Card vs SBI Card PULSE

Explore More

Axis Bank - Flipkart Axis Bank Credit Card Full ReviewApollo SBI Card Full ReviewAll Axis Bank CardsAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips