Paytm AU 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 |  Paytm AU Credit CardAU Small Finance Bank3 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 5% only at partner merchants | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay) | Not stated | Earns nothing | |
| Online shopping | 1% | 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%; 5% only at Paytm Travel and Paytm Gold | 1%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | 1% | 1% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | 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 tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹500 + GST | |
| Annual fee | Free | ₹500 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹3,50,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 65 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹100 | - | |
| Lounge access | |||
| Domestic lounge visits | 12 | - | |
| International lounge visits | 0 | - | |
| Lounge condition | Up to 12 complimentary domestic airport lounge visits a year, unlocked by booking a round-trip flight worth at least ₹5,000 via Paytm Travel on the Paytm app; each qualifying booking generates a Lounge QR good for up to 4 visits | - | |
| Forex and international | |||
| Forex markup | 3.49% | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | 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
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, Paytm AU Credit Card comes out ₹590 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 Paytm Travel and Paytm Gold: 5% back, up to ₹3,000 a month
- Anyone who wants no annual fee, ever
- Flyers: 12 airport lounge visits a year
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- Skip it if you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
- Skip it if you rarely spend on Paytm Travel and Paytm Gold: the 5% rate applies only there, everything else earns 1%
- Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
- 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 (Paytm AU 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, Paytm AU Credit Card or SBI Flipkart Credit Card?
Paytm AU Credit Card. Paytm AU Credit Card: no annual fee; SBI Flipkart Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Paytm AU Credit Card has the lowest forex markup. Paytm AU Credit Card: 3.49%; 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: Paytm AU 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
Other Comparisons
- Paytm AU Credit Card vs Federal Scapia Credit cardSide by side →
- Paytm AU Credit Card vs IDFC FIRST Millennia Credit CardSide by side →
- Paytm AU Credit Card vs SBI Card MILES PRIMESide by side →
- SBI Flipkart Credit Card vs HSBC Live Plus Credit CardSide by side →
- SBI Flipkart Credit Card vs SBI Cashback Credit CardSide by side →
- SBI Flipkart Credit Card vs YES BANK POP-CLUB Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
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 →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
