IndiGo IDFC FIRST 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 |  IndiGo IDFC FIRST Credit CardIDFC First Bank7 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.26% on most spends; 2.52% only at partner merchants | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay) | 1.26% | Earns nothing | |
| Online shopping | 1.26% | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 1.26% | 1% | |
| Groceries | 1.26% | 1% | |
| Travel: flights, hotels, trains | 1.26%; 2.52% only at IndiGo flight bookings on goindigo.in and the IndiGo app | 1%; 5% only at Cleartrip | |
| Fuel | 0.21% | Earns nothing | |
| Bills and recharges | 0.21% | 1% | |
| Rent | 0.21% | Earns nothing | |
| Insurance premiums | 0.21% | Earns nothing | |
| School and college fees | 0.21% | Earns nothing | |
| Wallet top-ups | 0.21% | Earns nothing | |
| Taxes and government payments | 0.21% | Earns nothing | |
| Spend abroad or in a foreign currency | 0.42% | 1% | |
| Everything else | 1.26% | 1% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Networksame | Mastercard | Mastercard | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹4,999 + GST | ₹500 + GST | |
| Annual fee | ₹4,999 + GST | ₹500 + GST | |
| Fee waived at | - | ₹3,50,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Air miles | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Redemption | |||
| Redemption fee | ₹0 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid 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 | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,024
- Fee a year
- - ₹5,899
- You keep
- - ₹2,875
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, SBI Flipkart Credit Card comes out ₹4,685 a year ahead of IndiGo IDFC FIRST 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
- Frequent IndiGo flyers
- Travellers abroad who want 0% forex markup
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- High annual fee of ₹4,999
- BluChips are worth most only on IndiGo
- Reduced rate on fuel and education; nothing on EMI and cash
- 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 (IndiGo IDFC FIRST 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, IndiGo IDFC FIRST Credit Card or SBI Flipkart Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; IndiGo IDFC FIRST Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IndiGo IDFC FIRST Credit Card has the lowest forex markup. IndiGo IDFC FIRST 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: IndiGo IDFC FIRST Credit Card 1.26%, 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 →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
