SBI Cashback vs Flipkart SBI

Which credit card is better for you? Fees, rewards & charges side by side.

	SBI Card Cashback	SBI Card Flipkart
	Apply Now →	Apply Now →
Annual fee	₹999	₹500
Joining fee	₹999	FREE
Our rating	★ 4.6	★ 4.3
Rewards	1% – 5% cashback	1% – 7.5% cashback
Best for	Anyone who shops, orders food or buys groceries online	Flipkart shoppers who also order food and book cabs
Top benefits	⚡ 5% online 🏪 1% offline 🏦 Auto credit	👗 7.5% Myntra 🛍️ 5% Flipkart 🍕 4% back
Lounge access	None	None
Fee waiver	Renewal fee waived on ₹2 lakh yearly spend	Renewal fee waived on ₹3.5 lakh yearly spend
Min. income	₹3 lakh/year	₹3.6 lakh/year
Credit score	750+	720+
Forex markup	3.5%	3.5%
Interest	3.75%/month (45% p.a.)	3.75%/month (45% p.a.)
Cash withdrawal	2.5% (min ₹500)	2.5% (min ₹500)
Late fee	₹0 – ₹1,300 by bill amount	₹0 – ₹1,300 by bill amount
	Apply Now →	Apply Now →

Quick verdict

The SBI Cashback Credit Card is ₹999 a year and gives 1% – 5% cashback. The Flipkart SBI Credit Card is ₹500 a year and gives 1% – 7.5% cashback. The Flipkart SBI is cheaper to keep. Our rating: SBI Cashback ★ 4.6, Flipkart SBI ★ 4.3.

Choose…

SBI Cashback if you are: anyone who shops, orders food or buys groceries online. 5% online Amazon, Flipkart, Myntra, Blinkit… · 1% offline on shop & store payments · Auto credit no points to redeem.
Flipkart SBI if you are: flipkart shoppers who also order food and book cabs. 7.5% Myntra quarterly cashback · 5% Flipkart & Cleartrip · 4% back Zomato, Uber, PVR, Netmeds.

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