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HSBC Taj 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.

HSBC Taj Credit Card versus SBI Flipkart Credit Card compared
FeatureHSBC Taj Credit CardHSBC Taj Credit CardHSBC India1 recent change →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards1.01% on most spends; 3.35% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.01%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery1.01%1%
Groceries1.01%1%
Travel: flights, hotels, trains1.01%; 3.35% only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing1%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1.01%1%
Everything else1.01%1%
Card identity
Card typeTravelShopping
NetworkVisaMastercard
Card tierSuper premiumMid
Fees
Joining fee₹1,10,000 + GST₹500 + GST
Annual fee₹1,10,000 + GST₹500 + GST
Fee waived at-₹3,50,000
Eligibility
Min age25 years-
Max age75 years-
Employment typesameBOTHBOTH
Min monthly salary₹3,00,000-
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge unlimitedYesNo
International lounge unlimitedYesNo
Lounge conditionUnlimited domestic and international airport lounge access. The 12 Taj Club and 12 Chambers visits are part of the annual Taj voucher package above (12 + 12 + 12 pool = 36 vouchers) and are valued there, not counted again here-
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HSBC Taj Credit Card
Rewards a year
₹2,424
Fee a year
- ₹1,29,800
You keep
- ₹1,27,376
SBI Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, SBI Flipkart Credit Card comes out ₹1,29,186 a year ahead of HSBC Taj 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

HSBC Taj Credit Card
  • Travel only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: 3.35% back
  • Frequent flyers: unlimited airport lounge visits
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

HSBC Taj Credit Card
  • Skip it if you hope rewards alone will pay the ₹1,29,800 fee: on everyday spend they never do
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: the 3.35% rate applies only there, everything else earns 1.01%
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 (HSBC Taj 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, HSBC Taj Credit Card or SBI Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; HSBC Taj Credit Card: ₹1,10,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HSBC Taj Credit Card has the lowest forex markup. HSBC Taj 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: HSBC Taj Credit Card 1.01%, 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.

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