Choosing the right credit card can feel overwhelming—especially when you’re comparing heavyweights like the Flipkart Axis Bank Credit Card, SBI Cashback Credit Card, and Axis Bank ACE Credit Card. This detailed guide on Flipkart Axis vs SBI Cashback vs Axis ACE is designed to help you decide which one fits your lifestyle, spending pattern, and preferred platforms like Amazon, Flipkart, Swiggy, or Google Pay. While all three promise generous cashback, each excels in different areas—from brand-specific shopping to utility bill savings.
All three cards offer automatic cashback credit (no redemption hassles), ₹499–₹999 annual fees with waiver at ₹2L spend, and fast approvals. But their real value depends on where and how you spend—whether it’s groceries, fashion, food delivery, or bill payments on Google Pay.
💬 Quick Answer: Flipkart Axis is best for brand shopping, SBI Cashback works across most online stores, and Axis ACE is perfect for saving on utility bills via GPay.
“Which cashback card is best for Amazon, Flipkart & utility bills?” – This comparison answers that exact question with real-world usage examples and expert insights.
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
🛒 Flipkart Axis
Best for Flipkart & Swiggy
🏷️ SBI Cashback
Great for Amazon & AJIO
⚡ Axis ACE
Ideal for Bill Payments via GPay
Here’s a fast breakdown of how these three cashback giants compare at a glance. Whether you shop on Flipkart, order from Swiggy, prefer Amazon deals, or pay bills via Google Pay — this summary helps you find the best fit instantly.
💬 Quick Answer: Flipkart Axis is best for Flipkart/Swiggy users, SBI Cashback for Amazon shoppers, and Axis ACE for utility bill payments via Google Pay.
| Feature | Flipkart Axis | SBI Cashback | Axis ACE |
|---|---|---|---|
| Best For | Flipkart, Swiggy, Myntra | Amazon, AJIO, online stores | Utility bills via Google Pay |
| Cashback Rate | 5% Flipkart, 4% Swiggy | 5% on online spends | 5% on GPay bills, 2% others |
| Annual Fee | ₹500 (Waived at ₹2L) | ₹999 (Waived at ₹2L) | ₹499 (Waived at ₹2L) |
| UPI Support | ✅ (via RuPay) | ❌ Not supported | ❌ Not supported |
| Cashback Redemption | Auto-credited to statement | Auto-credited to statement | Auto-credited to statement |
| Waiver Spend Limit | ₹2L per year | ₹2L per year | ₹2L per year |
| Avg Monthly Cashback* | ₹330 | ₹600 | ₹480 |
*Estimated based on typical monthly spend across shopping, food delivery, and utility payments.
🧾 TL;DR – Which One to Choose?
🔗 Read full reviews:
Flipkart Axis ·
SBI Cashback ·
Axis ACE
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
We compared Flipkart Axis, SBI Cashback, and Axis ACE using realistic monthly spending patterns — online shopping, Swiggy orders, and utility bills — to help you pick the most rewarding card in 2025.
💬 Quick Answer: SBI Cashback offers the highest rewards for general online shopping, while Axis ACE wins for utility bill payments via GPay.
| Scenario | Flipkart Axis | SBI Cashback | Axis ACE |
|---|---|---|---|
| Online Shopping | ₹250 | ₹500 | ₹200 |
| Swiggy Orders | ₹80 | ₹100 | ₹30 |
| Utility Bills | ❌ | ❌ | ₹250 |
| Total Cashback | ₹330 | ₹600 | ₹480 |
🔗 Explore full reviews:
Flipkart Axis Review ·
SBI Cashback Review ·
Axis ACE Review
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
UPI compatibility is a growing decision factor in 2025, especially for users who want to earn credit card rewards via UPI apps like Google Pay or PhonePe. Let’s break down which cards support UPI and how they work.
💬 Quick Answer: Only the Flipkart Axis RuPay card supports UPI — SBI Cashback and Axis ACE do not.
👤 Real-life Example: If you often pay your local grocery store via Google Pay, only the Flipkart Axis RuPay card will work. The other two cards won’t link to UPI apps at all.
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
🧾 Which cashback credit card gives you the most value after fees? This section breaks down each card’s annual fee, waiver condition, and approximate breakeven spend to help you choose smartly — especially if you’re not a high spender.
| Card | Annual Fee | Waiver Condition | Break-Even Spend (Monthly) |
|---|---|---|---|
| Flipkart Axis | ₹500 | ₹2L/year | ~₹8,400/month |
| SBI Cashback | ₹999 | ₹2L/year | ~₹17,000/month |
| Axis ACE | ₹499 | ₹2L/year | ~₹8,400/month |
💡 Real example: If you spend at least ₹9,000/month on eligible shopping or bill payments, you’ll easily waive the annual fee on Flipkart Axis or Axis ACE. However, SBI Cashback requires much higher usage — it’s best only if your monthly online spend crosses ₹17,000.
🧾 TL;DR – Which Card Has the Lowest Cost?
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
🗣️ How and when is the cashback credited to your account? Whether you hate logging into reward portals or prefer automatic rewards, here’s how each card handles cashback redemption in 2025.
💬 Quick Answer: All three cards offer auto-credit cashback — no login or rewards portal needed, just spend and save effortlessly.
💳 Example: If you earned ₹500 cashback this month using your SBI Cashback Card, it will be automatically adjusted in your next credit card statement — no redemption or login required.
🧾 TL;DR – Cashback Redemption Summary:
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
🗣️ Wondering which cashback credit card suits your lifestyle? Here’s a breakdown based on real-life spending habits, platforms you use daily (like Amazon, Flipkart, Swiggy, and Google Pay), and your cashback preferences.
💡 Example: If you spend ₹3,000 on electricity and broadband via Google Pay, the Axis ACE card gives you ₹150 cashback monthly — auto-credited without any redemption process.
🧾 TL;DR – Which Card Matches Your Lifestyle?
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
🗣️ Are these cashback cards right for everyone? Not exactly. While Flipkart Axis, SBI Cashback, and Axis ACE are excellent choices for specific users, they might not suit everyone. Here’s who should think twice before applying:
💡 Example: If you spend ₹1,000/month on groceries (offline) and ₹500 on petrol, you’ll earn almost zero cashback with these cards — since these categories are excluded or earn no rewards.
🧾 TL;DR – Avoid These Cards If:
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
🗣️ How much should I spend monthly to recover the annual fee? Here’s a realistic breakeven guide for the Flipkart Axis, SBI Cashback, and Axis ACE credit cards — calculated using 2025 cashback rates, annual charges, and platform-specific spending.
| Card Name | Annual Fee | Breakeven Monthly Spend | Cashback Rate |
|---|---|---|---|
| Flipkart Axis | ₹500 | ~₹1,000/month on Flipkart (5%) | 5% Flipkart, 4% Swiggy |
| SBI Cashback | ₹999 | ~₹2,000/month on eligible online spends (5%) | 5% on Amazon, Nykaa, AJIO, etc. |
| Axis ACE | ₹499 | ~₹1,000/month on GPay bills (5%) | 5% GPay bills, 2% on other spends |
💡 Example: If your electricity + broadband + gas bills total ₹1,200/month and you pay via Google Pay, the Axis ACE card earns ₹60 cashback monthly — enough to recover the ₹499 fee in under 9 months.
🧾 TL;DR – Breakeven Snapshot:
🧮 Want to know exactly when your card pays for itself? Use the Cashback Calculator below to check breakeven based on your monthly spends.
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
Enter your monthly spend to estimate when each card will recover its annual fee through cashback. This tool uses flat cashback rates for simplicity.
| Card | Cashback Rate | Annual Fee | Estimated Cashback | Breakeven Achieved? |
|---|---|---|---|---|
| Flipkart Axis | 5% | ₹500 | ₹0 | - |
| SBI Cashback | 5% | ₹999 | ₹0 | - |
| Axis ACE | 5% | ₹499 | ₹0 | - |
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
Still confused between Flipkart Axis, SBI Cashback, and Axis ACE? Let me simplify it for you. Based on real-world usage, here’s our expert recommendation tailored for 3 different user types:
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
TL;DR: Verified users are saving between ₹400–₹700/month using cashback cards for groceries, GPay bills, and Amazon shopping. Here’s what they’re saying about real-world rewards and ease of use.
“The Flipkart Axis Card gives me 5% back on everything I buy from Flipkart and Swiggy. I easily save ₹500–₹700 every month.”
– Rohit S., Mumbai
★★★★★
“SBI Cashback Credit Card works like magic for Amazon. No portals or logins — cashback just shows up in my statement.”
– Neha D., Pune
★★★★★
“I use Axis ACE just to pay bills via Google Pay. The 5% cashback adds up fast — and I’ve had the annual fee waived every time.”
– Kunal R., Bangalore
★★★★★
“Flipkart Axis gave me ₹2,000 cashback in 4 months just from Swiggy + Myntra orders. Totally worth it for a ₹500 card.”
– Anjali M., Hyderabad
★★★★☆
“SBI Cashback card feels effortless — I don’t need to log in, redeem, or remember anything. Cashback just appears monthly.”
– Farhan A., Delhi
★★★★★
“Axis ACE is my go-to card for utility payments. It’s simple, rewarding, and works great with Google Pay.”
– Shruti N., Ahmedabad
★★★★☆
Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
Want to compare offline or share with friends? Get our neatly formatted PDF that visually compares all 3 cards — cashback rates, UPI support, redemption rules, and expert verdicts — all on one page.
Choose the card that fits your lifestyle. Click below to apply directly via our trusted partners:
Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
We’ve calculated real-world cashback for users spending ₹1,000/month across different categories like shopping on Flipkart, Amazon, and paying bills via Google Pay. See how each card performs:
| Card | Monthly Spend | Cashback Rate | Monthly Cashback | Annual Cashback | Fee Breakeven? |
|---|---|---|---|---|---|
| Flipkart Axis | ₹1,000 on Flipkart | 5% | ₹50 | ₹600 | ✅ Yes (₹500 Fee) |
| SBI Cashback | ₹2,000 on Amazon, AJIO | 5% | ₹100 | ₹1,200 | ✅ Yes (₹999 Fee) |
| Axis ACE | ₹1,200 via Google Pay bills | 5% | ₹60 | ₹720 | ✅ Yes (₹499 Fee) |
💡 Pro Insight: All three cards break even within 10–12 months at low spend levels, making them high-value picks even for moderate users.
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
SBI Cashback Credit Card gives flat 5% cashback on eligible online platforms like Amazon, Flipkart, Myntra, etc., up to ₹5,000/month. It’s the best pick for online shoppers.
Yes, Axis ACE offers 5% cashback on utility bill payments made via Google Pay. It’s one of the few cards with seamless bill payment rewards.
Only Flipkart Axis RuPay variant supports UPI via compatible apps. SBI and ACE cards currently don’t support UPI payments.
Both Flipkart Axis and Axis ACE offer 4 complimentary domestic lounge visits per year. SBI Cashback does not include lounge access.
Flipkart Axis gives 4% cashback on Swiggy. Axis ACE also offers 4% cashback on Swiggy and Zomato orders.
Axis ACE is the best card for recharges and bill payments via Google Pay, thanks to its flat 5% cashback with no reward tracking needed.
Yes! All 3 cards provide auto-credit cashback in the next billing cycle. No reward portals, no manual redemptions.
🔍 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
All three cashback cards offer excellent benefits, but the best choice depends on how you spend:
Still unsure? Use the cashback calculator above or download the 1-page summary PDF for offline comparison.
Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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