Flipkart Axis Bank Credit Card vs Simplyclick Sbi Visa Credit Card: Which is Better in 2026?
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The Flipkart Axis Bank Credit Card and the Simplyclick SBI Visa Credit Card both cater to shoppers but differ significantly in rewards and fees. Flipkart Axis Bank card offers a modest Flipkart voucher as a welcome benefit and has a low annual fee with a waiver on higher spends. Simplyclick SBI Visa card provides higher reward points on multiple popular e-commerce and wellness platforms, along with an Amazon gift card welcome benefit and milestone vouchers. Both cards charge a 3.5% forex markup and offer fuel surcharge waivers.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Flipkart Axis Bank Credit Card | Simplyclick Sbi Visa Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.500 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.3.5 Lakhs For Annual Fee Waiver | Spend Rs.1 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 10X Reward Points on Myntra |
| Welcome benefit | Welcome Benefit - Flipkart Voucher worth Rs.250 | Amazon Gift Card Worth Rs.500 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Simplyclick SBI Visa Credit Card is clearly superior for rewards, offering 10X points on Myntra, Apollo 24x7, Netmeds, BookMyShow, Swiggy, Cleartrip, and Yatra, plus a steady 1 point per Rs.100 spent. It also provides milestone e-gift vouchers on Cleartrip and Yatra for annual spends. In contrast, Flipkart Axis Bank Credit Card does not offer reward points or cashback, only a Flipkart voucher worth Rs.250 as a welcome benefit, making it less rewarding for regular shoppers.
Which is better for travel?
Neither card provides dedicated domestic or international lounge access, so travel perks are limited. However, Simplyclick SBI Visa Credit Card's milestone benefits include e-gift vouchers for travel platforms like Yatra and Cleartrip, which can add value for travelers who spend on these services. Both cards charge the same forex markup of 3.5%, so foreign transaction costs are comparable. Overall, Simplyclick SBI Visa has a slight edge for travel-related rewards, but both lack lounge benefits.
Which has lower effective cost?
Flipkart Axis Bank Credit Card has a joining and renewal fee of Rs.500, which is waived on spending Rs.3.5 lakhs annually, making it suitable for higher spenders seeking fee waivers. Simplyclick SBI Visa Credit Card charges a renewal fee of Rs.499, waived on Rs.1 lakh annual spend, which is easier to achieve. Flipkart's fee waiver threshold is significantly higher, so Simplyclick SBI Visa is more accessible for moderate spenders. Both cards have similar fuel surcharge waivers and forex fees, but Flipkart charges a 1% processing fee on fuel transactions beyond Rs.50,000, which SBI does not mention.
Reward Program Focus
Simplyclick SBI Visa Credit Card focuses on e-commerce and wellness rewards with 10X points on multiple brands, making it versatile for online shoppers. Flipkart Axis Bank Credit Card centers on Flipkart shopping with a single voucher benefit and no points, appealing to dedicated Flipkart users.
Fee Waiver Complexity
Flipkart Axis Bank Credit Card requires a high annual spend of Rs.3.5 lakhs to waive the Rs.500 fee, which may be challenging for some. Simplyclick SBI Visa Credit Card offers a lower waiver threshold of Rs.1 lakh, making it easier to avoid fees for moderate spenders.
Who should pick Flipkart Axis Bank Credit Card?
Consider Flipkart Axis Bank Credit Card if you are a frequent Flipkart shopper looking for a simple card with a low annual fee and a welcome Flipkart voucher. It is better suited for those who can meet the higher Rs.3.5 lakh spend threshold to waive fees and want basic fuel surcharge benefits. This card is a straightforward option without complex reward structures or milestone conditions.
Who should pick Simplyclick Sbi Visa Credit Card?
Consider Simplyclick SBI Visa Credit Card if you want a card that rewards diverse online shopping and wellness spends with 10X points on popular platforms like Myntra, Swiggy, and Apollo 24x7. It also offers milestone gift vouchers for travel bookings and a more accessible fee waiver at Rs.1 lakh annual spend. This card suits users looking for richer rewards and benefits across multiple categories beyond a single merchant.
Frequently Asked Questions
The card charges Rs.500 as joining and renewal fee, waived if you spend Rs.3.5 lakhs in a year.
Yes, it offers 10X reward points on Myntra, Apollo 24x7, Netmeds, BookMyShow, Swiggy, Cleartrip, and Yatra, plus 1 point per Rs.100 on other spends.
Flipkart Axis Bank Credit Card provides a Flipkart voucher worth Rs.250, while Simplyclick SBI Visa Credit Card offers an Amazon gift card worth Rs.500.
Both cards charge a 3.5% fee on foreign currency transactions.
No, neither card offers domestic or international lounge access.
Yes, both cards offer a 1% fuel surcharge waiver.