Vyaya
Side-by-Side Comparison|Updated March 2026

Paytm SBI Card SELECT vs Axis Bank - Flipkart Axis Bank Credit Card

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

SBI Card

Paytm SBI Card SELECT

7.2/10
Annual Fee₹1,499
Base Rewards1%
NetworkVisa
View Full Details

Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

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

Feature-by-Feature Comparison

FeaturePaytm SBI Card SELECTAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹1,499₹500
Joining Fee₹1,499₹500
Fee Waiver Spend₹2,00,000₹3,50,000
Base Reward Rate1%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm SBI Card SELECT

  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm Mall
  • 0% on Paytm App Spends

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...

Pros & Cons

Paytm SBI Card SELECT

Pros

  • High 5% reward rate on Paytm Travel, Movies, and Mall purchases.
  • Direct 1:1 redemption value where 1 Reward Point equals ₹1.
  • Complimentary 1-year Paytm First Membership worth ₹750.
  • Milestone vouchers worth up to ₹6,000 annually on high spends.

Cons

  • International lounge visits via Priority Pass are fully chargeable.
  • High foreign currency markup of 3.5% plus GST.
  • Reward points are not earned on wallet loads, fuel, or rent.

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

Our Verdict

Both Paytm SBI Card SELECT and Axis Bank - Flipkart Axis Bank Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Paytm SBI Card SELECT if

Maximizes value through 5% rewards on travel and movies booked via the Paytm app.

Choose Axis Bank - Flipkart Axis Bank Credit Card if

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

Frequently Asked Questions

Which is better: Paytm SBI Card SELECT or Axis Bank - Flipkart Axis Bank Credit Card?
Both Paytm SBI Card SELECT and Axis Bank - Flipkart Axis Bank 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 Paytm SBI Card SELECT and Axis Bank - Flipkart Axis Bank Credit Card?
Paytm SBI Card SELECT has an annual fee of ₹1,499, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Paytm SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Paytm SBI Card SELECT or Axis Bank - Flipkart Axis Bank Credit Card?
Paytm SBI Card SELECT offers a base reward rate of 1% with accelerated rewards on Paytm Travel and Paytm Movies. Axis Bank - Flipkart Axis Bank Credit Card offers 1% base rewards with bonuses on Myntra and Flipkart. The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card SELECT and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm SBI Card SELECT and Axis Bank - Flipkart Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm SBI Card SELECT or Axis Bank - Flipkart Axis Bank Credit Card?
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

Paytm SBI Card SELECT vs Axis Bank ACE Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs Axis Bank ACE Credit CardPaytm SBI Card SELECT vs Amazon Pay ICICI Bank Credit CardAxis Bank - Flipkart Axis Bank Credit Card vs Amazon Pay ICICI Bank Credit Card

Explore More

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