Axis Flipkart vs SBI SimplyCLICK: A rewarding experience

Flipkart Axis vs SBI SimplyCLICK
Flipkart Axis vs SBI SimplyCLICK

Online shopping can prove to be very rewarding if you have the right set of credit cards in this category. A solid credit score is a prerequisite to being eligible for a credit card. Apart from that, a card that suits your needs depends on many factors like your current credit score, annual income, joining and yearly fees, etc. Some of the most rewarding credit cards are the Axis Flipkart and the SBI SimplyCLICK.

In this comparison, we look at these two credit cards – Axis Flipkart and SBI SimplyCLICK Credit Cards – both of which are offering rewards and access to first-time Indian card holders. We compare their fees, benefits, eligibility, and other criteria to find out who the real winner is. Read on. Here you can also check Axis ACE vs SBI SimplyCLICK.

Flipkart Axis Bank Credit Card vs SBI SimplyCLICK Credit Card

If you love online shopping, the Axis Flipkart credit card can help you get easy cashback on your regular expenses. It offers a rewarding flat 5% cashback (into card statement) on select merchants like Flipkart and Myntra. This list is not over yet. It also offers 4% cashback on apps like Cleartrip, PVR, Swiggy, Cure.fit, and more. Comes with privileges like complimentary airport lounge access and welcome benefits worth Rs 1000. 

Shopping-centric SBI SimplyCLICK credit card, on the other hand, offers impressive rewards on partner websites like Amazon, Bookmyshow, Cleartrip, and Netmeds. You also get an Amazon gift voucher worth ₹500 when you get approved for this card. The SimplyCLICK rewards you with 10X rewards across partner websites, and 5X on all other online spending.

Pros and Cons of Axis Flipkart Credit card

Flipkart Axis Cashback Credit Card Review
Flipkart Axis Cashback Credit Card
Pros
  • 5% Cashback on Flipkart and Myntra.
  • 4% Cashback on Goibibo, Makemytrip, PVR, and UBER.
  • 4 complimentary visits per year to domestic airport lounges
  • 1.5% cashback on all other spends
  • 1% fuel surcharge waiver
Cons
  • 5% Cashback on Flipkart and Myntra.
  • 4% Cashback on Goibibo, Makemytrip, PVR, and UBER.
  • 4 complimentary visits per year to domestic airport lounges
  • 1.5% cashback on all other spends
  • 1% fuel surcharge waiver

Pros and Cons of SBI SimplyCLICK credit card

SBI Credit Card Statement
SBI SimplyCLICK Credit Card
Pros
  • Earn 1 Reward point on every ₹100 spent.
  • 10X Reward Points on Cleartrip, FoodPanda, Lenskart, Bookmyshow, etc.
  • 1% Fuel Surcharge waiver on a minimum spend of ₹ 500
  • Option of converting transactions (>2500) into EMI using Flexipay.
Cons
  • Earn 1 Reward point on every ₹100 spent.
  • 10X Reward Points on Cleartrip, FoodPanda, Lenskart, Bookmyshow, etc.
  • 1% Fuel Surcharge waiver on a minimum spend of ₹ 500
  • Option of converting transactions (>2500) into EMI using Flexipay. 

Fees And Charges

Axis Flipkart Credit Card Charges

LabelFees
Joining Fees₹500 + Applicable Taxes
Annual Fees₹500 + Applicable Taxes (Waived off if spent > ₹2 Lakhs in a calendar year)
Interest Rate3.4% per month

SBI SimplyCLICK Credit Card Charges

LabelFees
Joining Fees₹499 + Applicable Taxes
Annual Fees₹499 + Applicable Taxes (Waived off if spent > ₹1 Lakh in a calendar year)
Interest Rate3.35% per month

Axis Flipkart vs SBI SimplyCLICK Rewards

Axis Flipkart Credit Card Rewards

Axis Flipkart Credit card comes power-packed with various rewards and features. Here are a few notable ones: 

1. Welcome Rewards

Axis Flipkart credit card offers a set of welcome benefits focussed on Online shopping. Users get a complimentary voucher from Flipkart worth Rs 500 and an instant 15% discount (up to Rs 500) on your first order from Myntra. 

2. Upto 5% Cashback

This card offers a flat 5% cashback on Flipkart and Myntra. Apart from this, you get 4% cashback on Cleartrip, Cure.fit, PVR, Swiggy, TATA 1mg, Tatasky and Uber. On all other spends, 1.5% cashback is awarded. 

3. Fuel Surcharge Waiver

Axis Flipkart credit card even helps you save on fuel purchases. Users get a 1% fuel surcharge waiver. The transaction amount should be between Rs 400 and Rs 4000 to be eligible for this. Note – The cashback is capped at Rs 500 per month.

SBI SimplyCLICK Credit Card Rewards

1. Fuel Surcharge Waiver

SBI SimplyCLICK Credit Card offers a 1% fuel surcharge waiver on all transactions between Rs 500 to Rs 3000 across all fuel stations in India. The upper limit is Rs 100, which is relatively low in this category. 

2. Reward Points

It offers 10X accelerated reward points on partners like Amazon, Cleartrip, BookMyShow, FoodPanda, UrbanClap, and Lenskart. It also rewards you with 5X points on all other purchases made online. You get 1 reward point on every Rs 100 spent on all other categories.  

3. Welcome Benefits

This card comes with welcome benefits in terms of Amazon gift vouchers. The voucher is equivalent to the joining fee in terms of value (Rs 500), and it stands valid for 1 year from the date of application.

Who Should get an Axis Flipkart Credit Card? 

Love travelling and sightseeing? Axis Flipkart Credit Card provides complimentary domestic lounge access up to 4 times a year. If you are a regular shopper on Flipkart and Myntra, this card can offer you unmatched rewards and discounts. Overall it is a great entry-level travel and shopping centric credit card, especially if most of your shopping takes place on Flipkart, Myntra, and the likes. 

Who Should get SBI SimplyCLICK Credit Card?

SBI SimplyCLICK credit card has an easy eligibility and onboarding process. It offers splendid rewards and discounts on shopping through Amazon, apart from being a good overall credit card to have. It also helps you in getting upgrades to higher-ranked SBI cards in the future, which can be extremely rewarding. However, you should not consider this card if your fuel spending is high due to sparingly low benefits. Here you can also check Axis Flipkart vs HDFC millennia.

Axis Flipkart Credit Card Eligibility Criteria & Documentation

1. Age

Primary cardholders should be between the age of 18 and 70 years.

2. Nationality

The individual should either be a Resident of India or a Non-Resident Indian.

3. Documents

  • PAN card photocopy or Form 60
  • Colour photograph
  • Latest payslip/Form 16/IT return copy as proof of income
  • Residence proof (any one of the following):
  • Passport
  • Ration Card
  • Electricity bill
  • Landline telephone bill
  • Identity proof (any one of the following):
  • Passport
  • Driving license
  • PAN card
  • Aadhaar card

SBI SimplyCLICK Credit Card Eligibility Criteria

1. Age

  • If you are a salaried individual – 21 years to 70 years.
  • If you are a self-employed individual – 25 years to 70 years.

2. Occupation

  • Self-employed Individuals
  • Salaried individuals

3. Income

  • Salaried- More than Rs 20,000 per month.
  • Self-employed- More than Rs 30,000 per month.

4. Location

  • It would be best to live and work in one of the serviceable pin codes per SBI’s website.
  • ID Proof (any one of the following)
  • PAN Card
  • Aadhaar Card
  • Voter ID
  • Driving License
  • Passport

Conclusion

Axis Flipkart and SBI SimplyCLICK are equally rewarding credit cards on different platforms and partner websites. Choose depending on the platforms you prefer to shop on. Both the credit cards also offer various security features like purchase protection, credit shield, and complimentary insurance on products after purchase. When choosing between both of them, look for the one that will help you get the most on your regular purchases. Good luck.

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