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SBI Card against Fixed Deposit vs Flipkart SBI Card

Honest side-by-side comparison of SBI Card against Fixed Deposit, 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 Card against Fixed Deposit

SBI Card

Flipkart SBI Card

SBI Card

Your adjusted comparison

Feature
SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Flipkart SBI Card credit card

Flipkart SBI Card

SBI Card

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹3,50,000/yr spend
Min incomeNot stated₹25,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/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 rate80% of FD value5%
Primary reward capNo monthly cap published₹4,000/quarter
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedFuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus—₹250

Stack mode (hold both)

Cap-aware split: ~₹14,010/yr combined NAV (₹6,888 vs best solo). Both annual fees apply.

SBI Card against Fixed Deposit 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 Card against Fixed Deposit by about ₹5,682/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 Card against Fixed Deposit vs Flipkart SBI Card comparison table
FeatureSBI Card against Fixed Deposit

SBI Card

Flipkart SBI Card

SBI Card

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹3,50,000/yr spend
Min incomeNot stated₹25,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/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 rate80% of FD value5%
Primary reward capNo monthly cap published₹4,000/quarter
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedFuel · Rent · Wallet · EMI · Insurance
Bonuses
Signup bonus—₹250

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
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.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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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