SBI Flipkart vs IRCTC Platinum 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 Flipkart Credit CardState Bank of India2 recent changes → |  SBI IRCTC Platinum Credit CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 7.5% only at partner merchants | 0.8% on most spends; 8% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | 0.8% | |
| Dining and food delivery | 1% | 0.8% | |
| Groceries | 1% | 0.8% | |
| Travel: flights, hotels, trains | 1%; 5% only at Cleartrip | 0.8%; 8% only at IRCTC | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | 0.8% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.8% | |
| School and college fees | Earns nothing | 0.8% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 1% | 0.8% | |
| Everything else | 1% | 0.8% | |
| Card identity | |||
| Card type | Shopping | Travel | |
| Network | Mastercard | Visa | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining feesame | ₹500 + GST | ₹500 + GST | |
| Annual feesame | ₹500 + GST | ₹500 + GST | |
| Fee waived at | ₹3,50,000 | - | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| International lounge visits | - | 0 | |
| Railway lounge visits | - | 4 | |
| Lounge condition | - | 4 complimentary railway lounge visits a year in India (max 1 per quarter), for primary cardholders only | |
| 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 | PAN card Aadhaar / address proof Income proof (salary slips or ITR) 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
- - ₹590
- You keep
- ₹1,810
- Rewards a year
- ₹1,920
- Fee a year
- - ₹590
- You keep
- ₹1,330
At this spend, SBI Flipkart Credit Card comes out ₹480 a year ahead of SBI IRCTC Platinum 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
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
- Frequent train travellers
- Families who book on IRCTC
- UPI users wanting a credit card on RuPay
Watch-Outs
- Each boosted category has a monthly cap
- Only 1% outside partner brands
- High ₹3,50,000 waiver target
- No lounge access
- Low rewards outside IRCTC
- No airport lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (SBI Flipkart Credit Card, SBI IRCTC Platinum Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Flipkart Credit Card or SBI IRCTC Platinum Credit Card?
They charge the same annual fee. SBI Flipkart Credit Card: ₹500; SBI IRCTC Platinum Credit Card: ₹500.
Which is better for spending abroad?
SBI Flipkart Credit Card has the lowest forex markup. SBI Flipkart Credit Card: 3.5%; SBI IRCTC Platinum 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 IRCTC Platinum Credit Card 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 →
