Reliance SBI Card 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 |  Reliance SBI CardState Bank of India2 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 1.25% on dining; 2.5% 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 | 0.25%; 2.5% only at AJIO & JioMart | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 1.25% | 1% | |
| Groceries | 0.25%; 1.25% only at Reliance Retail stores | 1% | |
| Travel: flights, hotels, trains | 0.25% | 1%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.25% | 1% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.25% | Earns nothing | |
| School and college fees | 0.25% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.25% | 1% | |
| Everything else | 0.25% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Networksame | Mastercard | Mastercard | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹500 + GST | |
| Annual fee | ₹499 + GST | ₹500 + GST | |
| Fee waived at | ₹1,00,000 | ₹3,50,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof 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
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, SBI Flipkart Credit Card comes out ₹598 a year ahead of Reliance SBI 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
- Online shopping only at AJIO & JioMart: 2.5% back
- Dining: 1.25% back, up to ₹1,250 a month
- Spending ₹8,333 or more a month: the ₹589 fee is waived
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- Skip it if you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 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 AJIO & JioMart: the 2.5% rate applies only there, everything else earns 0.25%
- 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 (Reliance SBI 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, Reliance SBI Card or SBI Flipkart Credit Card?
Reliance SBI Card. Reliance SBI Card: ₹499; SBI Flipkart Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Reliance SBI Card has the lowest forex markup. Reliance SBI 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%, Reliance SBI Card 0.25%. 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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