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IRCTC BOBCARD RuPay 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.

IRCTC BOBCARD RuPay Credit Card versus SBI Flipkart Credit Card compared
FeatureIRCTC BOBCARD RuPay Credit CardIRCTC BOBCARD RuPay Credit CardBank of Baroda5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards0.5% base, up to 1% on groceries; 4% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)0.5%Earns nothing
Online shopping0.5%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery0.5%1%
Groceriessame1%1%
Travel: flights, hotels, trains0.5%; 4% only at IRCTC railway ticket bookings1%; 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-ups0.5%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.5%1%
Everything else0.5%1%
Card identity
Card typeTravelShopping
NetworkRuPayMastercard
Card tiersameMidMid
Fees
Joining feesame₹500 + GST₹500 + GST
Annual fee₹350 + GST₹500 + GST
Fee waived at-₹3,50,000
Eligibility
Min age21 years-
Max age60 years-
Employment typesameBOTHBOTH
Min monthly salary₹30,000-
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits0-
International lounge visits0-
Railway lounge visits4-
Lounge conditionUp to 4 complimentary railway lounge visits a year (max 1 per quarter)-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

IRCTC BOBCARD RuPay Credit Card
Rewards a year
₹1,500
Fee a year
- ₹413
You keep
₹1,087
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 ₹723 a year ahead of IRCTC BOBCARD RuPay 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

IRCTC BOBCARD RuPay Credit Card
  • Travel only at IRCTC railway ticket bookings: 4% back
  • Groceries: 1% back, up to ₹250 a month
  • Flyers: some airport lounge visits a year
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

IRCTC BOBCARD RuPay Credit Card
  • Skip it if you spend less than ₹7,000 a month: below that the ₹413 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • Skip it if you rarely spend on IRCTC railway ticket bookings: the 4% rate applies only there, everything else earns 0.5%
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
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 (IRCTC BOBCARD RuPay 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, IRCTC BOBCARD RuPay Credit Card or SBI Flipkart Credit Card?

IRCTC BOBCARD RuPay Credit Card. IRCTC BOBCARD RuPay Credit Card: ₹350; SBI Flipkart Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IRCTC BOBCARD RuPay Credit Card has the lowest forex markup. IRCTC BOBCARD RuPay 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: SBI Flipkart Credit Card 1%, IRCTC BOBCARD RuPay Credit Card 0.5%. 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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