Which card has the lower annual fee?

Flipkart SBI Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

Flipkart SBI Card leads with an estimated ₹7,122/yr net annual value on moderate spend.

Which card has the lower income requirement?

Flipkart SBI Card lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Amex Membership Rewards CC vs Flipkart SBI Card

Honest side-by-side comparison of Amex Membership Rewards CC, Flipkart SBI Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

Amex Membership Rewards CC

American Express

Card 2

Flipkart SBI Card

SBI Card

Your adjusted comparison

Feature	Amex Membership Rewards CC American Express	Flipkart SBI Card SBI Card
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	Waived at ₹1,50,000/yr spend	Waived at ₹3,50,000/yr spend
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,116/yr	₹7,122/yr
Online shopping	—	₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo
Groceries (offline)	—	₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo
Dining & delivery	—	₹1,050 × 4% = ₹42/mo (₹504/yr)
Travel	—	₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo
Top reward rate	2 RP/₹150	5%
Primary reward cap	No monthly cap published	₹4,000/quarter
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Fuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus	₹4,000	₹250

Stack mode (hold both)

Cap-aware split: ~₹13,604/yr combined NAV (₹6,482 vs best solo). Both annual fees apply.

Amex Membership Rewards CC details →Flipkart SBI Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Flipkart SBI Card leads Amex Membership Rewards CC by about ₹6,006/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Amex Membership Rewards CC vs Flipkart SBI Card comparison table
Feature	Amex Membership Rewards CC American Express	Flipkart SBI Card SBI Card
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	Waived at ₹1,50,000/yr spend	Waived at ₹3,50,000/yr spend
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,116/yr	₹7,122/yr
Online shopping	—	₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo
Groceries (offline)	—	₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo
Dining & delivery	—	₹1,050 × 4% = ₹42/mo (₹504/yr)
Travel	—	₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo
Top reward rate	2 RP/₹150	5%
Primary reward cap	No monthly cap published	₹4,000/quarter
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Fuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus	₹4,000	₹250

Frequently asked questions

Which card has the lower annual fee?: Flipkart SBI Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: Flipkart SBI Card leads with an estimated ₹7,122/yr net annual value on moderate spend.
Which card has the lower income requirement?: Flipkart SBI Card lists a minimum monthly income of ₹25,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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