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 Simplyclick SBI Visa Credit Card cater to different spending habits and preferences. Flipkart Axis Bank card offers a low joining and renewal fee with basic benefits like domestic lounge access and a Flipkart voucher welcome offer. Simplyclick SBI Visa card focuses on rewarding online and travel-related spends with multiple 10X reward point categories and a higher welcome Amazon gift card. Both cards charge a 3.5% forex markup and provide 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 | Annual 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 Swiggy |
| Lounge — domestic | 4 Complimentary Airport Lounge Access Per Calendar Year | — |
| 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 clearly leads in rewards, especially for online shopping and travel bookings, offering 10X reward points on platforms like Cleartrip, Yatra, Myntra, and Dominos. It also provides flexible redemption options including gift vouchers and statement credit. The Flipkart Axis Bank Credit Card does not list any significant reward points or cashback benefits, focusing instead on a modest Flipkart voucher as a welcome benefit.
Which is better for travel?
Both cards offer some travel-related perks but in different ways. Flipkart Axis Bank Credit Card provides 4 complimentary domestic airport lounge accesses annually, which is useful for occasional travelers. Simplyclick SBI Visa Credit Card lacks lounge access but offers substantial reward points on travel portals such as Cleartrip and Yatra, plus milestone e-gift vouchers on higher spends, making it more rewarding for frequent travelers who book online.
Which has lower effective cost?
Flipkart Axis Bank Credit Card has a lower joining and renewal fee of Rs.500, which can be waived with Rs.3.5 lakhs annual spend. Simplyclick SBI Visa Credit Card charges a slightly lower annual fee of Rs.499, waived on Rs.1 lakh spend. For users with moderate spending, Flipkart Axis Bank card's fee waiver threshold is higher but the fee itself is comparable. Both cards have a 3.5% forex markup, which is standard but on the higher side.
Reward Focus
Simplyclick SBI Visa Credit Card emphasizes online and travel-related rewards with multiple 10X point categories and milestone benefits, while Flipkart Axis Bank Credit Card lacks reward points, focusing on a fixed Flipkart voucher instead.
Fee Waiver Threshold
Flipkart Axis Bank Credit Card requires a higher annual spend of Rs.3.5 lakhs to waive the renewal fee, compared to Rs.1 lakh for Simplyclick SBI Visa Credit Card, affecting cost-effectiveness based on spending patterns.
Who should pick Flipkart Axis Bank Credit Card?
Consider Flipkart Axis Bank Credit Card if you prefer a low-cost card with basic benefits like domestic lounge access and a straightforward fee waiver condition. It suits users who shop on Flipkart and want a simple welcome voucher without focusing on reward points or extensive travel perks.
Who should pick Simplyclick Sbi Visa Credit Card?
Consider Simplyclick SBI Visa Credit Card if you frequently shop online or book travel through platforms like Cleartrip, Yatra, and Myntra, and want to maximize reward points. It is ideal for users who can meet the milestone spends to earn additional e-gift vouchers and prefer flexible redemption options for their rewards.
Frequently Asked Questions
Flipkart Axis Bank Credit Card has a joining and renewal fee of Rs.500, waivable on Rs.3.5 lakhs annual spend. Simplyclick SBI Visa Credit Card charges an annual fee of Rs.499, waivable on Rs.1 lakh spend. The joining fee for Simplyclick SBI Visa is not specified.
Flipkart Axis Bank Credit Card offers 4 complimentary domestic airport lounge accesses per calendar year. Simplyclick SBI Visa Credit Card does not provide lounge access benefits.
Both cards charge a 3.5% forex markup fee on foreign currency transactions.
Simplyclick SBI Visa Credit Card offers better rewards with 10X reward points on platforms like Cleartrip, Yatra, Myntra, and Dominos, whereas Flipkart Axis Bank Credit Card does not provide reward points.
Flipkart Axis Bank Credit Card offers a Flipkart voucher worth Rs.250 as a welcome benefit. Simplyclick SBI Visa Credit Card provides an Amazon gift card worth Rs.500 upon payment of the annual fee.
Both cards offer a 1% fuel surcharge waiver on fuel transactions, subject to terms and conditions.