Best Credit Card for Flipkart Sale 2026: Axis vs SBI Compared
Best credit card for Flipkart sale 2026: Flipkart Axis Bank vs Flipkart SBI card compared on cashback, charges, limits, apply, login, status and customer care.
The best credit card for Flipkart sale shopping is one of Flipkart's own co-branded cards: the Flipkart Axis Bank Credit Card or the Flipkart SBI Credit Card. Both give 5 percent cashback on Flipkart all year, which stacks on top of sale discounts and the extra 10 percent instant bank discount Flipkart usually runs during Big Billion Days. Both charge Rs 500 a year, waived on Rs 3.5 lakh annual spends.
This guide compares the two cards on benefits, charges, limits, and eligibility, walks through apply, login, status check, and customer care for each, and shows how to squeeze the most out of the next sale.
Flipkart credit cards: quick facts
| Question | Quick answer |
|---|---|
| Best card for Flipkart sales | Flipkart Axis Bank card or Flipkart SBI card, both 5% on Flipkart |
| Annual fee | Rs 500 + GST on both, waived at Rs 3.5 lakh yearly spends |
| Cashback cap | Rs 4,000 per quarter on accelerated categories |
| Myntra cashback | 7.5% on both cards |
| Eligibility | 21 to 60 years, roughly Rs 3 lakh annual income |
| Axis card customer care | 1860 419 5555 |
| SBI card customer care | 1860 180 1290 |
| Cashback credited | Auto-adjusted in the next statement cycle |
Flipkart Axis Bank card vs Flipkart SBI card
The two cards look identical at first glance, 5 percent on Flipkart and Rs 500 fee, but the partner benefits differ.
| Feature | Flipkart Axis Bank Card | Flipkart SBI Card |
|---|---|---|
| Flipkart cashback | 5% | 5% |
| Myntra | 7.5% | 7.5% |
| Other partners | 4% on Swiggy, Uber, PVR, Cult.fit | Up to 12% on Cleartrip, 4% on select merchants |
| Other spends | 1% unlimited | 1% |
| Joining benefit | Around Rs 350 worth vouchers on activation | Rs 250 Flipkart gift card plus first-transaction benefits up to Rs 1,000 |
| Annual fee | Rs 500, waived at Rs 3.5 lakh spends | Rs 500 + GST, waived at Rs 3.5 lakh spends |
| Lounge access | Discontinued for new benefits since June 2025 | Not offered |
| Fuel surcharge waiver | 1% | 1% (Rs 500 to 3,000 transactions) |
Pick the Axis card if you order food and cabs often, the 4 percent on Swiggy and Uber adds up faster than travel cashback. Pick the SBI card if you book flights and hotels, Cleartrip cashback up to 12 percent is the single highest rate either card offers.
Flipkart Axis Bank Credit Card: benefits, charges and everything else
Flipkart Axis Bank Credit Card benefits
The core benefit is 5 percent cashback on Flipkart with no minimum order value, capped at Rs 4,000 per statement quarter. Myntra earns 7.5 percent, partner apps like Swiggy, Uber, PVR, and Cult.fit earn 4 percent, and everything else earns 1 percent unlimited.
Cashback lands automatically in your statement, no points to convert. You also get a 1 percent fuel surcharge waiver and EMI conversion on purchases above Rs 2,500.
Flipkart Axis Bank Credit Card charges
Joining fee Rs 500 and annual fee Rs 500, waived when yearly spends cross Rs 3.5 lakh. Interest of roughly 3.6 percent per month applies if you do not pay in full, and late fees run up to Rs 1,200 depending on balance.
Watch the exclusions: EMI transactions, fuel, wallets, rent, and gold earn no cashback. The full list of such traps is in our credit card hidden charges guide.
Flipkart Axis Bank Credit Card limit
The bank sets your limit from your income and CIBIL score, typically Rs 50,000 to Rs 3 lakh for new applicants. Use under 30 percent of it and the bank usually offers increases within 6 to 12 months. How banks decide this is covered in how credit card approval works.
Flipkart Axis Bank Credit Card lounge access
Honest answer: lounge access on this card was discontinued in the June 2025 revamp. Older cardholders lost the benefit at renewal too. If lounge access matters to you, this is not the card, it is now purely a shopping cashback card.
Flipkart Axis Bank Credit Card apply
- Open the Flipkart app, go to the Flipkart Axis Bank Credit Card banner under SuperCoins or search "credit card".
- Fill the application with PAN, Aadhaar, income details, and complete video KYC.
- Approval decision usually comes in minutes, the physical card arrives in 7 to 14 days.
- Activate it from the Axis Mobile app and set your online usage limits.
Flipkart Axis Bank credit card status and login
Track your application on the Axis Support page at axis.bank.in with your application ID, or through the Flipkart app where you applied. After issue, the Flipkart Axis Bank credit card login happens through the Axis Mobile app or Axis internet banking, cashback, statements, and limits all live there.
Flipkart Axis Bank Credit Card customer care
Call 1860 419 5555 or 1860 500 5555 for card queries, available 24x7. Flipkart's own support cannot help with card issues, the card is serviced entirely by Axis Bank.
Flipkart SBI Credit Card: benefits, charges and everything else
Flipkart SBI credit card benefits
5 percent cashback on Flipkart, 7.5 percent on Myntra, up to 12 percent on Cleartrip, 4 percent on select partner merchants, and 1 percent everywhere else. Accelerated categories are capped at Rs 4,000 per quarter each.
The welcome pack is a Rs 250 Flipkart gift card on fee payment plus benefits worth up to Rs 1,000 on your first Flipkart transaction within 30 days of approval.
Flipkart SBI Credit Card charges
Annual fee Rs 500 plus 18 percent GST, so Rs 590 leaves your account, waived on Rs 3.5 lakh annual spends. Finance charges are up to 3.75 percent per month on unpaid balances, and cash withdrawals attract charges from day one.
No cashback on merchant EMI, fuel, rent, wallets, insurance, education, jewellery, or government payments.
Flipkart SBI Credit Card eligibility
Age 21 to 60, with annual income around Rs 3 lakh for salaried applicants. Self-employed applicants with steady income also qualify. A clean CIBIL history matters more than a high salary. Students below these thresholds should look at student credit cards instead, which work against a fixed deposit with no income proof.
Flipkart SBI credit card apply and offer
- Apply through the Flipkart app's credit card section or on sbicard.com under Shopping Cards.
- Complete the application with PAN, address proof, and income details, then video KYC.
- The Flipkart SBI credit card offer changes each sale season, both Flipkart and SBI Card often run apply offers like bonus vouchers on first use, so check the current offer on the application page before submitting.
Flipkart SBI credit card status and login
Track your application on sbicard.com using the Track Application link at the bottom of the homepage with your application or reference number. After issue, the Flipkart SBI credit card login is through the SBI Card app or sbicard.com, where you see cashback, statements, and limits.
Flipkart SBI Credit Card customer care number
Call 1860 180 1290 from any phone, or 39 02 02 02 with your city STD code, available 24x7. Keep your card or application number ready.
How to use these cards in a Flipkart sale
Apply well before the sale. Card issue takes 1 to 3 weeks, so applying during the sale means missing it. Flipkart usually opens extra apply offers a month before Big Billion Days.
Stack the discounts. In big sales, Flipkart typically runs an extra 10 percent instant discount for its co-branded cards on top of the listed price, and your 5 percent cashback applies to what you actually pay after that discount.
Mind the two traps. Converting a big purchase to EMI kills the cashback on it, and the Rs 4,000 quarterly cap means roughly Rs 80,000 of 5 percent spends earn cashback per quarter, plan big purchases across quarters if you can.
Pay in full. One month of 3.6 percent interest on a revolving balance erases the cashback on several months of shopping. The card only wins if the bill is always paid fully.
Turn card knowledge into income
If you understand cards well enough to recommend them, banks pay for that. Platforms like GroMo pay Rs 500 to Rs 2,000 or more per approved card through credit card refer and earn programs, and people with active networks earn money by selling credit cards as a side income during exactly these sale seasons, when card demand peaks.
Recommend the right financial products to your network and earn commission on every approval. Free to join.
FAQ: credit cards for Flipkart sale
1. Which credit card is best for a Flipkart sale?
The Flipkart Axis Bank card and Flipkart SBI card are the best because their 5 percent cashback stacks with sale prices and the extra instant discount Flipkart gives its co-branded cards during events like Big Billion Days.
2. How do I apply for the Flipkart Axis Bank credit card?
Apply inside the Flipkart app through the credit card banner, with PAN, Aadhaar, and video KYC. Approval takes minutes for eligible profiles and the card arrives in 7 to 14 days.
3. How do I check my Flipkart Axis Bank credit card status?
Use the Axis Support page on axis.bank.in with your application ID, or the tracking link in the Flipkart app where you applied.
4. What is the Flipkart Axis Bank credit card limit for new users?
Typically Rs 50,000 to Rs 3 lakh depending on income and CIBIL score. The bank reviews the limit after 6 to 12 months of on-time payments.
5. Does the Flipkart Axis Bank credit card have lounge access?
No. Lounge access was discontinued in the June 2025 card revamp. It is now purely a cashback shopping card.
6. What are the Flipkart SBI credit card charges?
Rs 500 plus GST annual fee, waived at Rs 3.5 lakh yearly spends, and up to 3.75 percent monthly interest on unpaid balances. EMI, fuel, rent, and wallet loads earn no cashback.
7. What is the Flipkart SBI credit card eligibility?
Age 21 to 60 with annual income around Rs 3 lakh and a clean credit history. Self-employed applicants with regular income also qualify.
8. How do I check my Flipkart SBI credit card status?
Use the Track Application link at the bottom of sbicard.com with your application or reference number, or call 1860 180 1290.
9. Where do I login to manage these cards?
The Axis card is managed in the Axis Mobile app or Axis internet banking. The SBI card is managed in the SBI Card app or at sbicard.com. Flipkart only shows offers, the banks hold your account.
10. Is the cashback credited during the sale itself?
No. Cashback posts to your card statement in the next billing cycle. The extra 10 percent sale discount, when running, is instant at checkout.
11. Who is eligible for a Flipkart credit card?
Anyone aged 21 to 60 with an annual income of roughly Rs 3 lakh and a reasonable CIBIL history, for both the Axis and SBI versions. Salaried and self-employed applicants both qualify. Students and people without income proof are generally not eligible for these two cards.
12. What are the benefits of a Flipkart credit card?
5 percent cashback on Flipkart, 7.5 percent on Myntra, 4 percent on partner apps, and 1 percent on everything else, credited automatically to your statement. During big sales you also get the extra instant discount Flipkart reserves for its co-branded cards, plus welcome vouchers on joining.
13. Is the Flipkart credit card lifetime free?
No. Both cards charge a Rs 500 annual fee, but it is waived every year you spend Rs 3.5 lakh or more on the card. Regular Flipkart shoppers who route monthly spends through the card often never pay the fee in practice.
14. What is the credit card fee in Flipkart?
Rs 500 joining fee and Rs 500 annual fee on the Axis card, and Rs 500 plus 18 percent GST (Rs 590) on the SBI card. Interest of roughly 3.6 to 3.75 percent per month applies only if you do not pay your bill in full.
15. What is the disadvantage of the Flipkart Axis Bank credit card?
Three main ones: lounge access was removed in the June 2025 revamp, accelerated cashback is capped at Rs 4,000 per quarter, and EMI purchases, fuel, rent, and wallet loads earn nothing. It is excellent for Flipkart shopping and average for everything else.
Disclaimer
Card features, cashback rates, caps, fees, and offers are set by Axis Bank, SBI Card, and Flipkart and change frequently, the June 2025 Axis revamp is proof. All figures here are indicative as of September 2026, verify current terms on the bank's official page before applying. This article is for information only and is not financial advice. Referral earnings through distribution platforms depend on effort and network and are not guaranteed. GroMo is available only to users aged 18 and above.
