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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star 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

SBI Card - Tata Star Card SELECT

7.8/10
Annual Fee₹2,999
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 Star Card SELECTAxis 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 Rate1%1%
Reward CurrencyReward PointCashback
NetworkMastercardVisa
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

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 Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • No complimentary international lounge access despite the premium fee.

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

SBI Card - Tata Star Card SELECT 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 SBI Card - Tata Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

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 Star Card SELECT or Axis Bank - Flipkart Axis Bank Credit Card?
SBI Card - Tata Star Card SELECT 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 SBI Card - Tata Star Card SELECT and Axis Bank - Flipkart Axis Bank Credit Card?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. SBI Card - Tata Star Card SELECT 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: SBI Card - Tata Star Card SELECT or Axis Bank - Flipkart Axis Bank Credit Card?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. 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 Star Card SELECT 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 Star 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: SBI Card - Tata Star 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.

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