Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs Kotak White Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, Kotak White Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹4,179/yr.
| Feature | Axis Bank Flipkart Credit Card Axis Bank | Kotak White Credit Card Kotak Mahindra Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹3,000 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | ₹80/yr | ₹1,781/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 5% | 2X reward points | 10X points |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplyCLICK has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Flipkart Credit Card
Axis Bank
Kotak White Credit Card
Kotak Mahindra Bank
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹3,000 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | ₹80/yr | ₹1,781/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 5% | 2X reward points | 10X points |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹500 |
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