Equitas Bank PowerMiles 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: 11 October 2026.
| Feature |  Equitas Bank PowerMiles Credit CardEquitas Small Finance Bank |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | Rewards not published | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | Not stated | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | Not stated | 1% | |
| Groceries | Not stated | 1% | |
| Travel: flights, hotels, trains | Not stated | 1%; 5% only at Cleartrip | |
| Fuel | Not stated | Earns nothing | |
| Bills and recharges | Not stated | 1% | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | Earns nothing | |
| School and college fees | Not stated | Earns nothing | |
| Wallet top-ups | Not stated | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | Not stated | 1% | |
| Everything else | Not stated | 1% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Network | - | Mastercard | |
| Card tier | - | Mid | |
| Fees | |||
| Joining fee | Rs 5,000 | ₹500 + GST | |
| Annual fee | Rs 5,000 | ₹500 + GST | |
| Fee waived at | ₹4,80,000 | ₹3,50,000 | |
| Eligibility | |||
| Min age | 22 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹1,50,000 | - | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | - | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 4 | - | |
| Forex and international | |||
| Forex markup | 2% | 3.5% | |
| UPI rewards | |||
| Works on UPI | - | No | |
| Page content | |||
| Documents needed | - | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Best For
- People who travel abroad a few times a year
- Frequent flyers who want lounges without a spend target
- UPI users who want a travel card
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- ₹5,000 fee is steep for an entry into travel cards
- Fee waiver needs Rs 4.8 lakh of yearly spend
- Flat 3 points per Rs 100 with no boosted categories
- 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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Equitas Bank PowerMiles Credit Card or SBI Flipkart Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; Equitas Bank PowerMiles Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Equitas Bank PowerMiles Credit Card has the lowest forex markup. Equitas Bank PowerMiles Credit Card: 2%; SBI Flipkart Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
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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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹5,000 a Year in India (2026)Credit cards with an annual fee of ₹5,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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