IRCTC SBI Card Premier 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 |  IRCTC SBI Card PremierState Bank of India5 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.8% base, up to 2.4% on dining; 8% only at partner merchants | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.8% | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 2.4% | 1% | |
| Groceries | 0.8% | 1% | |
| Travel: flights, hotels, trains | 0.8%; 8% only at IRCTC | 1%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 2.4% | 1% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.8% | Earns nothing | |
| School and college fees | 0.8% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.8% | 1% | |
| Everything else | 0.8% | 1% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Network | Visa | Mastercard | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹1,499 + GST | ₹500 + GST | |
| Annual fee | ₹1,499 + GST | ₹500 + GST | |
| Fee waived at | ₹2,00,000 | ₹3,50,000 | |
| Eligibility | |||
| Employment type | - | BOTH | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | - | |
| Lounge access | |||
| Domestic lounge visits | 0 | - | |
| International lounge visits | 0 | - | |
| Railway lounge visits | 8 | - | |
| Lounge condition | 8 complimentary railway lounge visits a year (2 per quarter) at participating stations | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Page content | |||
| Documents needed | - | 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
- ₹2,880
- Fee a year
- ₹0
- You keep
- ₹2,880
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, IRCTC SBI Card Premier comes out ₹1,070 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
- Travel only at IRCTC: 8% back
- Dining: 2.4% back
- Spending ₹16,667 or more a month: the ₹1,769 fee is waived
- Flyers: some airport lounge visits a year
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: 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 IRCTC: the 8% rate applies only there, everything else earns 0.8%
- 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 SBI Card Premier, 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 SBI Card Premier or SBI Flipkart Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; IRCTC SBI Card Premier: ₹1,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IRCTC SBI Card Premier has the lowest forex markup. IRCTC SBI Card Premier: 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 SBI Card Premier 0.8%. 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 →
