In the video “SBI Cashback Credit Card v/s Flipkart Axis Bank Credit Card,” bekifaayati does a deep-dive comparison of two of India’s most popular cashback credit cards—helping you decide which is better for your lifestyle and spending pattern.
Both these cards promise big savings on shopping, but their benefits work very differently. Let’s break down their features, fees, and best use cases so you can choose wisely.
1. SBI Cashback Credit Card – Features & Benefits
✅ Unlimited 5% Cashback
- 5% cashback on all online spending.
- Excludes wallet reloads, rent payments, fuel, etc.
- No merchant restrictions (great for Amazon, Myntra, food delivery).
✅ 1% Cashback Offline
- For all offline retail spends.
✅ Annual Fee: ₹999 + GST
- Often waived on spending ₹2 lakh in a year.
✅ Pros:
- Flat, easy-to-understand cashback.
- No need to stick to specific partners.
✅ Cons:
- No special rewards for Flipkart or travel.
- Not ideal for people with low online spending.
✅ bekifaayati’s Tip:
Best for heavy online shoppers who buy across different websites—not just Flipkart.
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2. Flipkart Axis Bank Credit Card – Features & Benefits
✅ 5% Cashback on Flipkart & Myntra
- Best for loyal Flipkart users.
✅ 4% Cashback on Preferred Partners
- Includes Swiggy, PVR, Uber, CureFit.
✅ 1.5% Cashback on Everything Else
- Better than SBI’s 1% offline cashback.
✅ Annual Fee: ₹500 + GST
- Waived on ₹2 lakh yearly spend.
✅ Pros:
- Higher cashback on Flipkart and select partners.
- Lower annual fee.
- Great for people loyal to Flipkart/Myntra.
✅ Cons:
- 5% rate only on Flipkart/Myntra.
- Lower general online cashback (1.5% vs SBI’s 5%).
✅ bekifaayati’s Advice:
Best for Flipkart-first shoppers or if you frequently use Uber, Swiggy, PVR.
Final Takeaway
bekifaayati’s video explains:
Choose SBI Cashback Credit Card if you want universal 5% cashback on all online shopping with no restrictions.
Choose Flipkart Axis Bank Credit Card if you shop mainly on Flipkart/Myntra and want extra savings on Uber, Swiggy, PVR, etc., at a lower fee.
Both cards are great tools for saving money if used smartly.
For more in-depth personal finance guides, credit card reviews, and savings tips, visit Investment Marg. For broader money management, tech, and lifestyle insights, check out InkSpireDaily.
FAQs:
Q1. Which card gives better online shopping cashback overall?
SBI Cashback Credit Card offers 5% on all online shopping. Flipkart Axis gives 5% only on Flipkart/Myntra.
Q2. Which card has a lower annual fee?
Flipkart Axis (₹500) vs SBI Cashback (₹999). Both waive fees after ₹2 lakh annual spending.
Q3. Which card is better for offline spending?
Flipkart Axis gives 1.5% on all other spends. SBI Cashback gives 1%.
Q4. Can I have both cards?
Yes! Many savvy users combine them: SBI Cashback for general online purchases, Flipkart Axis for Flipkart/Myntra and partner brands.
Q5. Which is better for travel bookings?
Neither has great travel-specific rewards. For travel, consider dedicated travel cards.
Credits to: bekifaayati
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