SBI Card Miles Elite vs 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 |  SBI Card Miles EliteState Bank of India4 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 1.5% on travel | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.5% | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 0.5% | 1% | |
| Groceries | 0.5% | 1% | |
| Travel: flights, hotels, trains | 1.5% | 1%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 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 payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.5% | 1% | |
| Everything else | 0.5% | 1% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Networksame | Mastercard | Mastercard | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹4,999 + GST | ₹500 + GST | |
| Annual fee | ₹4,999 + GST | ₹500 + GST | |
| Fee waived at | ₹15,00,000 | ₹3,50,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 70 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Air miles | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹500 | - | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 6 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | 8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 6 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 15/year. Priority Pass free for first 2 years | - | |
| Forex and international | |||
| Forex markup | 1.99% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) 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
- ₹1,800
- Fee a year
- - ₹5,899
- You keep
- - ₹4,099
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, SBI Flipkart Credit Card comes out ₹5,909 a year ahead of SBI Card Miles Elite. 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
- Frequent domestic and international flyers
- High spenders on travel
- People who pay in foreign currency often
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- Rs 15 lakh spend needed for a fee waiver
- About 0.5% back on everyday spends
- Best value only if you redeem credits for travel
- 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 (SBI Card Miles Elite, SBI Flipkart Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Card Miles Elite or SBI Flipkart Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; SBI Card Miles Elite: ₹4,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Card Miles Elite has the lowest forex markup. SBI Card Miles Elite: 1.99%; 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%, SBI Card Miles Elite 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.
Work Out the Numbers
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