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Side-by-Side Comparison|Updated March 2026

Flipkart Axis Bank Super Elite Credit Card vs SBI Card ELITE

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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SBI Card

SBI Card ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFlipkart Axis Bank Super Elite Credit CardSBI Card ELITE
Annual Fee₹500₹4,999
Joining Fee₹500₹4,999
Fee Waiver Spend₹2,00,000₹10,00,000
Base Reward Rate2%0.5%
Reward CurrencySuperCoinSBI Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
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

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

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).

SBI Card ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

Our Verdict

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

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 SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

Frequently Asked Questions

Which is better: Flipkart Axis Bank Super Elite Credit Card or SBI Card ELITE?
Flipkart Axis Bank Super Elite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card ELITE could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Flipkart Axis Bank Super Elite Credit Card and SBI Card ELITE?
Flipkart Axis Bank Super Elite Credit Card has an annual fee of ₹500, while SBI Card ELITE has an annual fee of ₹4,999. Flipkart Axis Bank Super Elite Credit Card offers a fee waiver on ₹2,00,000 annual spend. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Flipkart Axis Bank Super Elite Credit Card or SBI Card ELITE?
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). SBI Card ELITE offers 0.5% base rewards with bonuses on Dining and Departmental Stores. The better choice depends on your primary spending categories.
Can I have both Flipkart Axis Bank Super Elite Credit Card and SBI Card ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Flipkart Axis Bank Super Elite Credit Card and SBI Card ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: Flipkart Axis Bank Super Elite Credit Card or SBI Card ELITE?
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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