When it comes to online shopping, having the right credit card can make all the difference. Two popular choices in India for frequent online shoppers are the SBI SimplyCLICK Credit Card and the Axis Bank Flipkart Credit Card. Both cards offer exciting rewards, cashback, and exclusive merchant partnerships.

But which one is the best for you? Let’s dive into a detailed comparison to find out.

SBI SimplyCLICK Credit Card

Designed for online shoppers, the SBI SimplyCLICK Credit Card offers accelerated rewards on online spending, especially on select partner merchants like Amazon, BookMyShow, and Cleartrip.

Axis Bank Flipkart Credit Card

A co-branded credit card with Flipkart, this card provides direct cashback on Flipkart purchases and partner merchants like Myntra, Swiggy, Uber, and PVR, making it a great choice for Flipkart loyalists.

Comparison Table

Feature	SBI SimplyCLICK Credit Card	Axis Bank Flipkart Credit Card
Annual Fee	₹499 + GST	₹500 + GST
Welcome Benefits	₹500 Amazon voucher on spending ₹2,000 in 60 days	₹500 Flipkart voucher on first transaction
Rewards/Cashback	10x reward points on Amazon, BookMyShow, Cleartrip, etc.	5% cashback on Flipkart & Myntra, 4% on Swiggy, Uber, PVR, and 1.5% on other spends
Reward Point Value	1 RP = ₹0.25 (redeemable on SBI Rewards)	Direct cashback credited to the statement
Fuel Surcharge Waiver	1% on transactions between ₹500-₹3,000	1% on transactions between ₹400-₹4,000
Dining Benefits	None	4% cashback on Swiggy
Travel Benefits	10x points on Cleartrip	None
Annual Fee Waiver Condition	Spend ₹1 lakh annually	Spend ₹2 lakh annually
Interest Rate	3.5% per month	3.6% per month
Eligibility	Min. ₹20,000/month income	Min. ₹15,000/month income

Key Features & Benefits

SBI SimplyCLICK Credit Card Benefits

1. 10X Rewards on Online Shopping – Earn 10 reward points per ₹100 spent on Amazon, BookMyShow, Cleartrip, and other partner merchants.
2. 5X Rewards on All Other Online Spends – Earn 5 reward points per ₹100 on any other online transactions.
3. Amazon Voucher as Welcome Benefit – Get a ₹500 Amazon voucher on spending ₹2,000 within the first 60 days.
4. Annual Fee Waiver – Spend ₹1 lakh in a year and get the annual fee waived off.
5. Fuel Surcharge Waiver – 1% fuel surcharge waiver on transactions between ₹500-₹3,000.

Axis Bank Flipkart Credit Card Benefits

1. Direct Cashback – 5% cashback on Flipkart and Myntra, 4% on Swiggy, Uber, and PVR, and 1.5% on all other purchases.
2. Easy Redemption – Cashback is automatically credited to your statement.
3. Flat ₹500 Flipkart Voucher – Get a ₹500 Flipkart voucher after your first transaction.
4. Dining and Entertainment Benefits – 4% cashback on Swiggy and PVR.
5. Fuel Surcharge Waiver – 1% waiver on fuel transactions between ₹400-₹4,000.

Which Card is Better for Online Shopping?

For Amazon & General Online Shopping: SBI SimplyCLICK

If you frequently shop on Amazon, BookMyShow, Cleartrip, and other online platforms, the SBI SimplyCLICK Credit Card is a great option. The 10X reward points make it one of the best entry-level online shopping credit cards. However, the reward redemption process requires you to use SBI’s Rewards platform.

For Flipkart & Partner Merchants: Axis Bank Flipkart Card

If you are a Flipkart loyalist, the Axis Bank Flipkart Credit Card is unbeatable. The direct 5% cashback on Flipkart and Myntra is more straightforward than SBI’s reward system. Additionally, 4% cashback on Swiggy, Uber, and PVR makes it a well-rounded card for daily spending.

For Fuel & Dining Benefits: Axis Bank Flipkart

The Axis Bank Flipkart Credit Card offers 4% cashback on Swiggy and a 1% fuel surcharge waiver with a broader limit. In contrast, SBI SimplyCLICK does not have dining benefits.

Fees & Charges Comparison

Annual Fees

Both cards have an annual fee of ₹499-₹500, which can be waived off on reaching the spending milestone.

Interest Rates

• SBI SimplyCLICK: 3.5% per month
• Axis Bank Flipkart: 3.6% per month

Late Payment Charges

• SBI SimplyCLICK: Up to ₹1,300 depending on the due amount.
• Axis Bank Flipkart: ₹500 to ₹1,200 depending on the due amount.

Pros & Cons of Each Card

SBI SimplyCLICK Credit Card

Pros:

• High reward points on online shopping
• Good for Amazon users
• Lower spending limit for annual fee waiver
• Fuel surcharge waiver

Cons:

• Reward redemption process is complex
• No direct cashback
• No dining or travel benefits

Axis Bank Flipkart Credit Card

Pros:

• Direct cashback, no conversion hassle
• Best for Flipkart, Myntra, Swiggy users
• Includes dining & entertainment benefits
• Fuel surcharge waiver

Cons:

• Annual fee waiver requires higher spending
• Limited rewards outside Flipkart partners

Which Card Should You Choose?

Choose SBI SimplyCLICK if

• You frequently shop on Amazon, Cleartrip, and other non-Flipkart platforms.
• You prefer earning reward points rather than direct cashback.
• You want a lower annual spending requirement for fee waivers.

Choose Axis Bank Flipkart if:

• You are a Flipkart & Myntra shopper looking for direct cashback.
• You use Swiggy, Uber, and PVR regularly and want cashback.
• You prefer cashback credited directly instead of reward redemption.

For frequent Flipkart shoppers, the Axis Bank Flipkart Credit Card is the clear winner. However, if you shop across different platforms, the SBI SimplyCLICK Credit Card is a solid option with its broad partner network.