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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma Card 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

SBI Card - Tata Croma Card

7/10
Annual Fee₹499
Base Rewards1%
NetworkMastercard
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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

FeatureSBI Card - Tata Croma CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹3,50,000
Base Reward Rate1%1%
Reward CurrencyEmpower PointsCashback
NetworkMastercardVisa
Editor Rating7/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Croma Card

  • 0% on Croma Spends
  • 0% on Grocery & Departmental Stores
  • 0% on Tata Partner Outlets

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

SBI Card - Tata Croma Card

Pros

  • 1.5% value back on all Croma purchases with no stated cap
  • Accelerated 3% reward rate (3x points) on departmental stores and grocery spends
  • Direct 1:1 redemption value (1 point = ₹1) for Tata ecosystem spends
  • Up to 5% value back at select Tata partner outlets like Westside and Titan

Cons

  • No complimentary airport lounge access on this variant
  • Low base reward rate of 1% on non-Tata and non-accelerated spends
  • Rewards are highly concentrated within the Tata ecosystem

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 SBI Card - Tata Croma Card 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 SBI Card - Tata Croma Card if

High value back across Croma, Westside, and other Tata brands with 1:1 redemption.

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: SBI Card - Tata Croma Card or Axis Bank - Flipkart Axis Bank Credit Card?
Both SBI Card - Tata Croma Card 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 SBI Card - Tata Croma Card and Axis Bank - Flipkart Axis Bank Credit Card?
SBI Card - Tata Croma Card has an annual fee of ₹499, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. SBI Card - Tata Croma Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card or Axis Bank - Flipkart Axis Bank Credit Card?
SBI Card - Tata Croma Card offers a base reward rate of 1% with accelerated rewards on Croma Spends and Grocery & Departmental Stores. 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 SBI Card - Tata Croma Card and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Croma Card and Axis Bank - Flipkart Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Croma Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, SBI Card - Tata Croma Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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