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

Flipkart SBI Card vs SBI Card PRIME

Honest side-by-side comparison of Flipkart SBI Card, SBI Card PRIME — 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

Flipkart SBI Card

SBI Card

Card 2

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature	Flipkart SBI Card SBI Card	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹500	₹2,999
Fee waiver threshold	Waived at ₹3,50,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,122/yr	₹1,900/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	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	₹1,050 × 4% = ₹42/mo (₹504/yr)	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo	—
Top reward rate	5%	5X reward points
Primary reward cap	₹4,000/quarter	No monthly cap published
Perks & restrictions
Lounge access	None	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Rent · Wallet · EMI · Insurance	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹250	₹3,000

Stack mode (hold both)

Cap-aware split: ~₹13,520/yr combined NAV (₹6,398 vs best solo). Both annual fees apply.

Flipkart SBI Card details →SBI Card PRIME details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Flipkart SBI Card leads SBI Card PRIME by about ₹5,222/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

Flipkart SBI Card vs SBI Card PRIME comparison table
Feature	Flipkart SBI Card SBI Card	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹500	₹2,999
Fee waiver threshold	Waived at ₹3,50,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,122/yr	₹1,900/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	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	₹1,050 × 4% = ₹42/mo (₹504/yr)	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo	—
Top reward rate	5%	5X reward points
Primary reward cap	₹4,000/quarter	No monthly cap published
Perks & restrictions
Lounge access	None	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Rent · Wallet · EMI · Insurance	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹250	₹3,000

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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