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PNB Zaggle 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.

PNB Zaggle Credit Card versus SBI Flipkart Credit Card compared
FeaturePNB Zaggle Credit CardPNB Zaggle Credit CardPunjab National Bank
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
RewardsRewards not published1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shoppingNot stated1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food deliveryNot stated1%
GroceriesNot stated1%
Travel: flights, hotels, trainsNot stated1%; 5% only at Cleartrip
FuelNot statedEarns nothing
Bills and rechargesNot stated1%
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currencyNot stated1%
Everything elseNot stated1%
Card identity
Card typesameShoppingShopping
Network-Mastercard
Card tier-Mid
Fees
Joining feeRs 499₹500 + GST
Annual feeRs 499₹500 + GST
Fee waived at₹1,50,000₹3,50,000
Eligibility
Employment type-BOTH
Rewards
Reward type-Cashback
Point value-₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPI-No
Page content
Documents needed-PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Best For

PNB Zaggle Credit Card
  • People wanting UPI and wide acceptance together
  • First-time card users
  • Existing PNB customers
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

PNB Zaggle Credit Card
  • Reward details are not clearly stated
  • No listed lounge benefits
  • 3.5% forex fee
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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, PNB Zaggle Credit Card or SBI Flipkart Credit Card?

PNB Zaggle Credit Card. PNB Zaggle Credit Card: ₹499; SBI Flipkart Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

PNB Zaggle Credit Card has the lowest forex markup. PNB Zaggle Credit Card: 3.5%; SBI Flipkart Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

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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