vs
In short: SimplyCLICK SBI has the lower annual fee (₹499 vs ₹500); both charge a 3.5% forex markup.
| Key facts | Axis Flipkart | SimplyCLICK SBI |
|---|---|---|
| Annual fee | ₹500 | ₹499 |
| Joining fee | ₹500 | Not listed |
| Annual fee waived | On ₹3.5 lakh annual spend | On ₹1 lakh annual spend |
| Top reward rate | 5% Cashback on Flipkart | 10X reward points on Swiggy, Myntra, BookMyShow and 5 more |
| Base rewards | unlimited 1% Cashback | 1 Reward Points per ₹100 |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, Axis Flipkart returns about ₹2,849 more a year after annual fees (₹4,800 vs ₹1,950 in rewards).
| Spend profile | Axis Flipkart | SimplyCLICK SBI |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 2.5% / 0.25% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹600 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹1,950 |
| Annual fee | ₹500 | ₹499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Flipkart Axis Bank Credit Card and the Simplyclick SBI Visa Credit Card both offer rewards tailored to online and lifestyle spending, but they differ in fee structure, reward rates, and milestone benefits. Flipkart Axis Bank card focuses on cashback with high rates on Flipkart and Myntra, while Simplyclick SBI card emphasizes reward points with accelerated earning on multiple online brands and milestone vouchers. Both cards have a 3.5% forex markup and offer a 1% fuel surcharge waiver.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| 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 |
| Top reward rate | Earn 5% Cashback on Flipkart | 10X reward points on Swiggy, Myntra, BookMyShow and 5 more |
| Base rate (other spends) | Earn unlimited 1% Cashback | Earn 1 Reward Points per Rs.100 |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - Flipkart Voucher worth Rs.250 | Amazon Gift Card Worth Rs.500 |
| Milestone benefit | — | E-Gift Vouchers Worth Rs.2000 of Cleartrip on Spend of Rs.1Lakh; E-Gift Vouchers Worth Rs.2000 of Cleartrip on Spend of Rs.2Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the Flipkart Axis Bank Credit Card offers a straightforward cashback model with a top rate of 7.5% on Myntra and 5% on Flipkart and Cleartrip, plus unlimited 1% cashback on all spends. This results in about Rs.4,800 yearly rewards at Rs.20,000 monthly spend. The Simplyclick SBI Visa Credit Card provides reward points with a top rate of 10X points on several brands like Swiggy, Myntra, and BookMyShow, but its effective value is lower, around Rs.1,950 annually for the same spend. Flipkart Axis Bank's cashback approach is simpler and more lucrative for frequent online shoppers on its partner platforms.
Both cards offer travel-related rewards but with different focuses. Flipkart Axis Bank card gives 5% cashback on Cleartrip and 7.5% on Myntra, which can be useful for travel bookings and lifestyle purchases. Simplyclick SBI card offers 10X reward points on Cleartrip, Yatra, and other travel brands, plus milestone e-gift vouchers worth Rs.2,000 each on spending Rs.1 lakh or Rs.2 lakhs, enhancing long-term travel value. Neither card lists lounge access benefits in our data, so travel comfort perks are not a differentiator here.
The Flipkart Axis Bank Credit Card has a joining fee of Rs.500 and an annual fee of Rs.500 from the second year, which can be waived by spending Rs.3.5 lakhs annually. The Simplyclick SBI Visa Credit Card has a lower annual fee of Rs.499 with waiver on Rs.1 lakh spend. Both have a 3.5% forex markup and 1% fuel surcharge waiver. Flipkart Axis Bank’s fee waiver threshold is higher but the fee itself is slightly higher initially, making it more suitable for higher spenders aiming for cashback benefits.
Simplyclick SBI Visa Credit Card offers milestone e-gift vouchers worth Rs.2,000 each on Cleartrip and Yatra for spends of Rs.1 lakh and Rs.2 lakhs annually, providing additional value for frequent travelers. The Flipkart Axis Bank Credit Card does not list milestone benefits in our data.
Flipkart Axis Bank Credit Card uses a cashback model with top rates up to 7.5%, while Simplyclick SBI Visa Credit Card uses a reward points system with 10X points on select brands. The cashback card delivers higher effective value at typical spends, making it simpler to redeem and understand.
Consider Flipkart Axis Bank Credit Card if you frequently shop on Flipkart, Myntra, and related platforms and prefer straightforward cashback rewards. It's better suited for users who can spend over Rs.3.5 lakhs annually to waive fees and want higher cashback percentages on lifestyle and travel bookings. Its simpler cashback model and welcome voucher also appeal to beginners looking for easy-to-understand benefits.
Consider Simplyclick SBI Visa Credit Card if you prefer earning reward points across a wider range of online brands including Swiggy, BookMyShow, and Cleartrip, and if you value milestone benefits like e-gift vouchers on travel spends. It's a good choice for moderate spenders who want to leverage multiple accelerated categories and can benefit from fee waiver at Rs.1 lakh annual spend.
Flipkart Axis Bank Credit Card charges Rs.500 joining fee and Rs.500 annual fee from the second year, waived on Rs.3.5 lakhs annual spend. Simplyclick SBI Visa Credit Card has Rs.499 annual fee waived on Rs.1 lakh annual spend.
Flipkart Axis Bank Credit Card offers up to 7.5% cashback on Myntra and 5% on Flipkart, while Simplyclick SBI Visa Credit Card provides 10X reward points on several online brands. The Flipkart card generally yields higher effective rewards.
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 on payment of the annual fee.
Neither card lists domestic or international lounge access benefits in our data; check the issuer for updated information.
Both cards charge a 3.5% markup on foreign currency transactions.
Both cards offer a 1% fuel surcharge waiver on fuel transactions.