IDFC FIRST Hello Cashback 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 |  IDFC FIRST Hello Cashback Credit CardIDFC First Bank4 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 3% on online shopping; 4% only at partner merchants | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay) | 1% | Earns nothing | |
| Online shopping | 3% | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food deliverysame | 1% | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trains | 1%; 4% only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app | 1%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | 1% | 1% | |
| Rent | 1% | Earns nothing | |
| Insurance premiums | 1% | Earns nothing | |
| School and college fees | 1% | Earns nothing | |
| Wallet top-ups | 1% | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Network | RuPay | Mastercard | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹1,000 + GST | ₹500 + GST | |
| Annual fee | ₹1,000 + GST | ₹500 + GST | |
| Fee waived at | ₹2,00,000 | ₹3,50,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 80 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹0 | - | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Fixed deposit of ₹10,000 or more (no income proof required) | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,600
- Fee a year
- ₹0
- You keep
- ₹3,600
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, IDFC FIRST Hello Cashback Credit Card comes out ₹1,790 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
- New to credit users who shop online
- People rebuilding a credit score
- UPI users who bank with IDFC FIRST
- Applicants aged 18 to 80 without income proof
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- ₹1,000 fee if you spend under Rs 2 lakh a year
- Online cashback is capped at Rs 1,000 a month
- 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 Hello Cashback 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 Hello Cashback Credit Card or SBI Flipkart Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; IDFC FIRST Hello Cashback Credit Card: ₹1,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST Hello Cashback Credit Card has the lowest forex markup. IDFC FIRST Hello Cashback 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: IDFC FIRST Hello Cashback 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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Guides in Plain Words
Short reads that explain how it works before you decide.
- 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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