Side-by-side · honest numbers
SBI Card ELITE vs Flipkart SBI Card
Honest side-by-side comparison of SBI Card ELITE, Flipkart SBI Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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 Card ELITE
SBI Card
Flipkart SBI Card
SBI Card
Your adjusted comparison
| Feature | SBI Card ELITE SBI Card | Flipkart SBI Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,999 | ₹500 |
| Fee waiver threshold | ₹10,00,000/yr | 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) | -₹3,818/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 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo |
| Dining & delivery | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) | ₹1,050 × 4% = ₹42/mo (₹504/yr) |
| Travel | — | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo |
| Top reward rate | 5X reward points | 5% |
| Primary reward cap | No monthly cap published | ₹4,000/quarter |
| Perks & restrictions | ||
| Lounge access | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI · Government | Fuel · Rent · Wallet · EMI · Insurance |
| Bonuses | ||
| Signup bonus | ₹5,000 | ₹250 |
Stack mode (hold both)
Cap-aware split: ~₹7,712/yr combined NAV (₹590 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/sbi-elite-vs-sbi-flipkartReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Flipkart SBI Card leads SBI Card ELITE by about ₹10,940/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
| Feature | SBI Card ELITE SBI Card | Flipkart SBI Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,999 | ₹500 |
| Fee waiver threshold | ₹10,00,000/yr | 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) | -₹3,818/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 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo |
| Dining & delivery | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) | ₹1,050 × 4% = ₹42/mo (₹504/yr) |
| Travel | — | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo |
| Top reward rate | 5X reward points | 5% |
| Primary reward cap | No monthly cap published | ₹4,000/quarter |
| Perks & restrictions | ||
| Lounge access | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI · Government | Fuel · Rent · Wallet · EMI · Insurance |
| Bonuses | ||
| Signup bonus | ₹5,000 | ₹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.
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