Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Flipkart Axis Bank Credit Card vs SBI SimplyCLICK Credit Card for ₹50,000 Monthly Spend
Comparing Flipkart Axis Bank Credit Card vs SBI SimplyCLICK Credit Card at ₹50,000/month. Flipkart Axis Bank Credit Card wins, delivering ₹14,280 net annual value (2.38% ROI) vs ₹7,080 for SBI SimplyCLICK Credit Card.
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₹50,000(₹6,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹50,000/mo+ ₹7,200/yr Higher Value
Flipkart Axis Bank Credit Card
Delivers ₹14,280 net annual returns (2.38% ROI) vs ₹7,080 on SBI SimplyCLICK Credit Card.
Card A
Flipkart Axis Bank Credit Card
Axis Bank
₹14,280Net Annual Benefit
Gross Rewards:₹14,280/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.38%
Fee Waiver Progress (3.5L target):100%
Card B
SBI SimplyCLICK Credit Card
SBI Card
₹7,080Net Annual Benefit
Gross Rewards:₹7,080/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.18%
Fee Waiver Progress (1L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,000/year Extra YieldPair Flipkart Axis Bank Credit Card + Airtel Axis Bank Credit Card
Pair Flipkart Axis Bank Credit Card with Airtel Axis Bank Credit Card to capture up to ₹3,000/yr extra on zero-reward categories.
Routes excluded categories:Electricity, Water, Gas & Broadband Bills
Detailed 12-Category Rupee Breakdown (@ ₹50,000/mo)
| Spend Category | Monthly Spend | Flipkart Axis Bank Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹12,500/mo | ₹625 (5%) | ₹313 (2.5%) |
| Scan & Pay Merchant UPI | ₹7,500/mo | ₹75 (1%) | ₹19 (0.25%) |
| Electricity, Water, Gas & Broadband BillsUtility payments excluded from earning cashback | ₹6,000/mo | 0% Excluded | ₹15 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹6,000/mo | ₹240 (4%) | ₹75 (1.25%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹5,000/mo | ₹50 (1%) | ₹63 (1.25%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions, max ₹400/mo | ₹4,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹4,000/mo | ₹200 (5%) | ₹100 (2.5%) |
| LIC, Health & Term Insurance Premiums | ₹2,500/mo | 0% Excluded | ₹6 (0.25%) |
| House Rent & School/College Fees1% fee + 18% GST on rental spends; zero cashback earned | ₹2,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1%) | ₹0 (0.25%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹6,00,000/yr | +₹14,280 | +₹7,080 |
Frequently Asked Questions
Which card is better between Flipkart Axis Bank Credit Card and SBI SimplyCLICK Credit Card for ₹50,000/month?▼
At ₹50,000/month (₹600,000/year), Flipkart Axis Bank Credit Card mathematically outperforms SBI SimplyCLICK Credit Card by ₹7,200/year. Flipkart Axis Bank Credit Card delivers ₹14,280 net annual benefit (2.38% effective yield), while SBI SimplyCLICK Credit Card returns ₹7,080 (1.18% effective yield).
Will the annual fee be waived at ₹50,000 monthly spend?▼
On an annual spend of ₹600,000: Flipkart Axis Bank Credit Card annual fee is waived (₹0). SBI SimplyCLICK Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Flipkart Axis Bank Credit Card loses ₹0/year to monthly cashback caps, while SBI SimplyCLICK Credit Card loses ₹0/year. Flipkart Axis Bank Credit Card remains uncapped at this spend. SBI SimplyCLICK Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Flipkart Axis Bank Credit Card and SBI SimplyCLICK Credit Card?▼
The calculated crossover breakeven spend is ₹5,000/month, where higher-fee benefits overtake the lower-fee option.