The SBI SimplyCLICK Credit Card and the Flipkart Axis Bank Credit Card provide excellent value, with attractive cashback, reward points, and welcome benefits tailored for frequent online shoppers. The SBI SimplyCLICK Credit Card is ideal for online shopping, offering accelerated reward points at many popular online retailers and travel websites, including Apollo 24×7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, and Yatra. The Flipkart Axis card is particularly beneficial for frequent Flipkart shoppers, who can earn 5% cashback on their purchases.
Annual Fee and Joining Benefits
The SBI SimplyCLICK card has a ₹499 + GST fee and offers a ₹500 Amazon gift card upon joining. The Flipkart Axis card charges ₹500 + GST and offers ₹500 worth of Flipkart vouchers, plus ₹100 off on your first Swiggy order. If you spend a certain amount in a year, both cards waive the following year’s fee: ₹1 lakh for SBI SimplyCLICK and ₹3.5 lakh for Flipkart Axis.
| Particulars | SBI SimplyCLICK | Flipkart Axis |
| Annual Fee | ₹499 + GST | ₹500 + GST |
| Welcome Benefits | Amazon Gift Card Worth ₹500 | Flipkart Vouchers Worth ₹500 ₹100 Off on First Swiggy Order |
| Spend-Based Annual Fee Waiver | Annual Charges Waived on Spends of ₹1 Lakh | Annual Charges Waived on Spends of ₹3.5 Lakh |
| Spend-Based Milestone Benefits | E-Voucher Worth ₹2,000 From ClearTrip/Yatra on Achieving Annual Spends of ₹1 LakhAnother E-Voucher Worth ₹2,000 From ClearTrip/Yatra on Achieving Annual Spends of ₹1 Lakh | N/A |
Reward Structure Comparison
SBI SimplyCLICK and Flipkart Axis Credit Card offer accelerated rewards on online purchases made through partnered platforms. For instance, SBI SimplyCLICK offers one reward point (RP) for every ₹100 spent on offline transactions, but it provides 10 times the points for online transactions at partnered platforms like Apollo 24×7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds, and Yatra. On the other hand, the Flipkart Axis card offers cashback of 5% on Flipkart and Cleartrip, 7.5% on Myntra, and 4% on other popular apps, including Swiggy, Uber, and PVR. Cashback is automatically adjusted in your next bill with Flipkart Axis Credit Card, while SBI rewards can be redeemed from their catalog (1 point = ₹0.25).
| Particulars | SBI SimplyCLICK | Flipkart Axis |
| Reward Structure | 1 RP/₹100 Spent on Offline Spends10X RPs/₹100 on Online Spends at Partner Merchants5X RPs on All Other Online Spends | 5% Cashback for spends on Flipkart and ClearTrip7.5% Cashback on Myntra4% Cashback with Preferred Partners, including Swiggy, cult.fit, Uber, and PVR. |
| Reward Redemption | SBI Card’s Reward Catalog (1 RP = ₹0.25) | Cashback is Adjusted Every Month Against the Statement Balance. |
Other Lifestyle Benefits
The SBI SimplyCLICK card doesn’t include dining offers, but the Flipkart Axis card does. You can get 15% off (up to ₹500) on dining bills at select restaurants through Axis Bank’s Dining Delights program, perfect for those who enjoy dining out.
| Particulars | SBI SimplyCLICK | Flipkart Axis |
| Dining Benefits | N/A | 15% Off Up to ₹500 on Dining Bills at Partner Restaurants |
Bottom Line
The SBI SimplyCLICK Credit Card is a great entry-level option for users who shop broadly across multiple online platforms and want to accumulate rewards quickly through a point-based system. It’s especially beneficial if your preferred merchants fall under the SBI partner list, such as BookMyShow, Myntra, and Netmeds. The spend-based milestone vouchers also add extra value for regular users.
The Flipkart Axis Credit Card is perfect for loyal Flipkart and Myntra shoppers who prefer instant cashback over a reward points system. With broader cashback offerings across food delivery, ridesharing, and wellness apps like Swiggy, Uber, and cult.fit, this card leans more towards lifestyle convenience and value-packed returns.
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