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SBI Cashback Credit Card vs Flipkart SBI Card

Honest side-by-side comparison of SBI Cashback Credit Card, 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

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Spend assumptions

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

SBI Cashback Credit Card

SBI Card

Flipkart SBI Card

SBI Card

Your adjusted comparison

Feature
SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Flipkart SBI Card credit card

Flipkart SBI Card

SBI Card

Fees & eligibility
Annual fee₹999₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹3,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹7,122/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo₹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 rate5%5%
Primary reward cap₹2,000 rewards/mo cap₹4,000/quarter
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsFuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus—₹250

Stack mode (hold both)

Cap-aware split: ~₹13,380/yr combined NAV (₹6,258 vs best solo). Both annual fees apply.

SBI Cashback Credit Card 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 SBI Cashback Credit Card by about ₹1,602/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

SBI Cashback Credit Card vs Flipkart SBI Card comparison table
FeatureSBI Cashback Credit Card

SBI Card

Flipkart SBI Card

SBI Card

Fees & eligibility
Annual fee₹999₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹3,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹7,122/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo₹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 rate5%5%
Primary reward cap₹2,000 rewards/mo cap₹4,000/quarter
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsFuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus—₹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?
SBI Cashback Credit 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.

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