Vyaya
Side-by-Side Comparison|Updated March 2026

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

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

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank - Flipkart Axis Bank Credit CardSBI Card PRIME
Annual Fee₹500₹2,999
Joining Fee₹500₹2,999
Fee Waiver Spend₹3,50,000₹3,00,000
Base Reward Rate1%0.125%
Reward CurrencyCashbackReward Points
NetworkVisaVisa
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...

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

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

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

Axis Bank - Flipkart Axis Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Axis Bank - Flipkart Axis Bank Credit Card or SBI Card PRIME?
Axis Bank - Flipkart Axis Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME?
Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500, while SBI Card PRIME has an annual fee of ₹2,999. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank - Flipkart Axis Bank Credit Card or SBI Card PRIME?
Axis Bank - Flipkart Axis Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Myntra and Flipkart. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Axis Bank - Flipkart Axis Bank Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank - Flipkart Axis Bank Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank - Flipkart Axis Bank Credit Card or SBI Card PRIME?
For beginners, Axis Bank - Flipkart Axis Bank Credit Card may be more approachable with a lower annual fee of ₹500. 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 CardSBI Card PRIME vs Amazon Pay ICICI Bank Credit Card

Explore More

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