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CRED IndusInd Bank RuPay vs SBI Flipkart Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 28 September 2026.

CRED IndusInd Bank RuPay Credit Card versus SBI Flipkart Credit Card compared
FeatureCRED IndusInd Bank RuPay Credit CardCRED IndusInd Bank RuPay Credit CardIndusInd Bank5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards1% base, up to 5% on online shopping1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)1%Earns nothing
Online shopping5%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food deliverysame1%1%
Groceriessame1%1%
Travel: flights, hotels, trains1%1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and recharges1%; 1% only at CRED app1%
RentsameEarns nothingEarns nothing
Insurance premiums1%; 1% only at CRED appEarns nothing
School and college fees1%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencysame1%1%
Everything elsesame1%1%
Card identity
Card typesameShoppingShopping
NetworkRuPayMastercard
Card tiersameMidMid
Fees
Joining feeFree₹500 + GST
Annual fee₹499 + GST₹500 + GST
Fee waived at-₹3,50,000
Eligibility
Employment type-BOTH
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.95%-
Interest rate (annual)47.4%-
Redemption
Redemption fee₹100-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

CRED IndusInd Bank RuPay Credit Card
Rewards a year
₹4,800
Fee a year
- ₹589
You keep
₹4,211
SBI Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, CRED IndusInd Bank RuPay Credit Card comes out ₹2,401 a year ahead of SBI Flipkart Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

CRED IndusInd Bank RuPay Credit Card
  • Online shopping: 5% back, up to ₹5,000 a month
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

CRED IndusInd Bank RuPay Credit Card
  • Skip it if you spend less than ₹5,000 a month: below that the ₹589 fee costs more than the rewards
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
  • Skip it if you rarely spend on online shopping: the 5% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
SBI Flipkart Credit Card
  • Each boosted category has a monthly cap
  • Only 1% outside partner brands
  • High ₹3,50,000 waiver target
  • No lounge access

Card data sourced via CardAdvisor.in (CRED IndusInd Bank RuPay Credit Card, SBI Flipkart Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, CRED IndusInd Bank RuPay Credit Card or SBI Flipkart Credit Card?

CRED IndusInd Bank RuPay Credit Card. CRED IndusInd Bank RuPay Credit Card: ₹499; SBI Flipkart Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

CRED IndusInd Bank RuPay Credit Card has the lowest forex markup. CRED IndusInd Bank RuPay Credit Card: 3.5%; SBI Flipkart Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: CRED IndusInd Bank RuPay Credit Card 1%, SBI Flipkart Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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