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IDFC FIRST Gaj 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.

IDFC FIRST Gaj Credit Card versus SBI Flipkart Credit Card compared
FeatureIDFC FIRST Gaj Credit CardIDFC FIRST Gaj Credit CardIDFC First Bank2 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards0.83% on most spends; 16.67% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.83%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery0.83%1%
Groceries0.83%1%
Travel: flights, hotels, trains0.83%; 16.67% only at Flight & hotel bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns 50 RP per ₹150 total, flights 25 RP per ₹1501%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and rechargesNot stated1%
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency0.5%1%
Everything else0.83%1%
Card identity
Card typeTravelShopping
NetworkVisaMastercard
Card tierSuper premiumMid
Fees
Joining fee₹12,500 + GST₹500 + GST
Annual fee₹12,500 + GST₹500 + GST
Fee waived at₹10,00,000₹3,50,000
Eligibility
Employment type-BOTH
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits16-
International lounge visits16-
Lounge condition4 domestic (incl. 1 guest) and 4 international lounge visits every quarter (16 + 16 a year)-
Forex and international
Forex markupNone3.5%
Redemption
Redemption fee₹99-
Page content
Documents needed-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

IDFC FIRST Gaj Credit Card
Rewards a year
₹1,992
Fee a year
- ₹14,750
You keep
- ₹12,758
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 ₹14,568 a year ahead of IDFC FIRST Gaj 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

IDFC FIRST Gaj Credit Card
  • Spending ₹83,333 or more a month: the ₹14,750 fee is waived
  • Flyers: 32 airport lounge visits a year
  • Spending abroad: 0% markup, most cards add 3.5%
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

IDFC FIRST Gaj Credit Card
  • Skip it if you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹14,750 fee is then charged
  • Skip it if most of your spending is fuel: 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 spend a lot on utility bills, rent, insurance or education: the card's terms do not state a rate there, so we count nothing
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 (IDFC FIRST Gaj 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, IDFC FIRST Gaj Credit Card or SBI Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; IDFC FIRST Gaj Credit Card: ₹12,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST Gaj Credit Card has the lowest forex markup. IDFC FIRST Gaj Credit Card: 0%; 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: SBI Flipkart Credit Card 1%, IDFC FIRST Gaj Credit Card 0.83%. 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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