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13 pairs that people often weigh against each other have a full write-up: where each card wins, the worked arithmetic and what changes the answer. For any other pair, use the tool.

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Written comparisons

• Amazon Pay ICICI vs Flipkart Axis

  These two cards are mirror images: each pays its best rate at its own marketplace, so the decision is mostly where your online spend goes.

• Amazon Pay ICICI vs Cashback SBI

  The surprise here is that SBI Cashback matches Amazon Pay ICICI on Amazon itself, then beats it everywhere else online.

• Amazon Pay ICICI vs Axis ACE

  Axis ACE is a flat-rate card (1.5% unlimited on most spends, per the Axis T&C) with a ₹499 annual fee waived at ₹2 lakh spend; Amazon Pay ICICI is free and pays 5% (Prime) or 3% on amazon.in but only 1% on most other spends.

• Axis ACE vs Cashback SBI

  Axis ACE pays a flat 1.5% on most spends with no cap in the Axis T&C; SBI Cashback pays 5% online and 1% offline, each capped at ₹2,000 cashback per statement cycle (SBI revision effective 1 April 2026).

• Axis ACE vs Flipkart Axis

  Both are Axis cashback cards, and both come with a spend-based fee waiver, but they suit different shoppers.

• Axis ACE vs HDFC Millennia

  HDFC Millennia's 5% is narrower than its marketing suggests.

• HDFC Millennia vs Cashback SBI

  The question is how much of your online spend is at the ten merchants Millennia lists.

• Flipkart Axis vs Cashback SBI

  For Flipkart spend the two cards pay the same 5%, but the caps differ.

• ICICI Coral vs SimplyCLICK SBI

  Both are entry-level reward-point cards with a low fee (ICICI Coral ₹500, waived above ₹1.5 lakh spend; SBI SimplyClick ₹499, waived at ₹1 lakh) and both pay in points whose rupee value is an estimate: SBI states 4 reward points =

• HSBC Live+ vs Cashback SBI

  HSBC Live+ is a capped 10% card for everyday categories; SBI Cashback is a capped 5% card for online.

• Swiggy BLCK HDFC vs Swiggy Ornge HDFC

  These are two tiers of the same Swiggy HDFC family.

• IDFC FIRST Select vs IDFC FIRST Wealth

  Select and Wealth are two tiers of the same IDFC FIRST Bank family with the same reward rules, which is why every row of the table above reads the same.

• BPCL SBI Card OCTANE vs IndianOil RBL XTRA

  These are the two fuel cards at the top of our fuel list, and the first question is not which card is better but which pump is near you: IndianOil RBL XTRA earns its 15 Fuel Points per ₹100 only at IndianOil outlets (RBL T&C, up t