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Side-by-Side Comparison|Updated March 2026

Reliance SBI Card PRIME 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

Reliance SBI Card PRIME

8.5/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkRuPay
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Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureReliance SBI Card PRIMEAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹2,999₹500
Joining Fee₹2,999₹500
Fee Waiver Spend₹3,00,000₹3,50,000
Base Reward Rate0.125%1%
Reward CurrencyReward PointsCashback
NetworkRuPayVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Reliance SBI Card PRIME

  • 0% on Ajio & JioMart
  • 0% on Participating Reliance Reta...
  • 0% on Dining, Movies, Domestic Ai...

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

Reliance SBI Card PRIME

Pros

  • High 5% value back (20 RP per ₹100) on Ajio and JioMart spends.
  • Generous welcome benefit with ₹3,000 voucher covering the joining fee.
  • Comprehensive lounge access with both domestic and international visits.
  • Monthly movie benefit of ₹250 via BookMyShow with no day-of-week restrictions.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh.
  • Reward points are primarily valuable when redeemed for Reliance Retail vouchers.
  • Accelerated rewards on Reliance brands are capped at 7,500 points per cycle.

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

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

Choose Reliance SBI Card PRIME if

Maximum value back on JioMart, Ajio, Trends, and other Reliance ecosystem stores.

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: Reliance SBI Card PRIME or Axis Bank - Flipkart Axis Bank Credit Card?
Reliance SBI Card PRIME edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Reliance SBI Card PRIME and Axis Bank - Flipkart Axis Bank Credit Card?
Reliance SBI Card PRIME has an annual fee of ₹2,999, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Reliance SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Reliance SBI Card PRIME or Axis Bank - Flipkart Axis Bank Credit Card?
Reliance SBI Card PRIME offers a base reward rate of 0.125% with accelerated rewards on Ajio & JioMart and Participating Reliance Reta.... 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 Reliance SBI Card PRIME and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Reliance SBI Card PRIME and Axis Bank - Flipkart Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Reliance SBI Card PRIME 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.

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