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Side-by-Side Comparison|Updated March 2026

Flipkart Axis Bank Super Elite Credit Card vs ICICI Bank Sapphiro Credit Card

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

Axis Bank

Flipkart Axis Bank Super Elite Credit Card

7.2/10
Annual Fee₹500
Base Rewards2%
NetworkVisa
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ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureFlipkart Axis Bank Super Elite Credit CardICICI Bank Sapphiro Credit Card
Annual Fee₹500₹3,500
Joining Fee₹500₹6,500
Fee Waiver Spend₹2,00,000₹6,00,000
Base Reward Rate2%0.25%
Reward CurrencySuperCoinICICI Bank Rewards
NetworkVisaVisa
Editor Rating7.2/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Flipkart Axis Bank Super Elite Credit Card

  • 0% on Flipkart (Plus Members) — 300 pts/month
  • 0% on Flipkart (Non-Plus Members) — 150 pts/month

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

Pros & Cons

Flipkart Axis Bank Super Elite Credit Card

Pros

  • Earn up to 16 SuperCoins per ₹100 spent on Flipkart for Plus members.
  • Welcome benefits worth ₹20,000 including trial memberships for YouTube Premium and Gaana Plus.
  • Low annual fee of ₹500 with a reachable waiver threshold of ₹2 lakhs.
  • Flat 2 SuperCoins per ₹100 on all non-Flipkart eligible spends with no capping.

Cons

  • No complimentary airport lounge access.
  • Rewards are in SuperCoins, which are primarily useful within the Flipkart/Myntra ecosystem.
  • Capping on SuperCoins earned per transaction on Flipkart (300 for Plus, 150 for Non-Plus).

ICICI Bank Sapphiro Credit Card

Pros

  • High-value welcome vouchers worth over ₹9,000 covering travel, shopping, and dining.
  • Dual-card advantage (Amex + Mastercard/Visa) allows for broader acceptance and network-specific offers.
  • Generous movie benefits with Buy 1 Get 1 up to ₹500 twice a month on BookMyShow.
  • Complimentary golf rounds (up to 4 per month) based on spending milestones.

Cons

  • High annual fee of ₹3,500 which is only waived on a relatively high spend of ₹6 lakhs.
  • Domestic lounge access is contingent on a high quarterly spend of ₹75,000.
  • Reward rate on utilities and insurance is low at 1 point per ₹100.

Our Verdict

Both Flipkart Axis Bank Super Elite Credit Card and ICICI Bank Sapphiro Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Flipkart Axis Bank Super Elite Credit Card if

High SuperCoin earn rate specifically for Flipkart Plus members and frequent shoppers on the platform.

Choose ICICI Bank Sapphiro Credit Card if

Offers both domestic and international lounge access along with travel-specific welcome vouchers.

Frequently Asked Questions

Which is better: Flipkart Axis Bank Super Elite Credit Card or ICICI Bank Sapphiro Credit Card?
Both Flipkart Axis Bank Super Elite Credit Card and ICICI Bank Sapphiro Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Flipkart Axis Bank Super Elite Credit Card and ICICI Bank Sapphiro Credit Card?
Flipkart Axis Bank Super Elite Credit Card has an annual fee of ₹500, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. Flipkart Axis Bank Super Elite Credit Card offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Flipkart Axis Bank Super Elite Credit Card or ICICI Bank Sapphiro Credit Card?
Flipkart Axis Bank Super Elite Credit Card offers a base reward rate of 2% with accelerated rewards on Flipkart (Plus Members) and Flipkart (Non-Plus Members). ICICI Bank Sapphiro Credit Card offers 0.25% base rewards with bonuses on International Spends. The better choice depends on your primary spending categories.
Can I have both Flipkart Axis Bank Super Elite Credit Card and ICICI Bank Sapphiro Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Flipkart Axis Bank Super Elite Credit Card and ICICI Bank Sapphiro Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Flipkart Axis Bank Super Elite Credit Card or ICICI Bank Sapphiro Credit Card?
For beginners, Flipkart Axis Bank Super Elite 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.

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