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SBI Flipkart vs Simply Click 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.

SBI Flipkart Credit Card versus SBI Simply Click Credit Card compared
FeatureSBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
SBI Simply Click Credit CardSBI Simply Click Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards1% on most spends; 7.5% only at partner merchants0.25% on most spends; 2.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel0.25%; 2.5% only at Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQ
Dining and food delivery1%0.25%
Groceries1%0.25%
Travel: flights, hotels, trains1%; 5% only at Cleartrip0.25%
FuelsameEarns nothingEarns nothing
Bills and recharges1%0.25%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing0.25%
School and college feesEarns nothing0.25%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%0.25%
Everything else1%0.25%
Card identity
Card typesameShoppingShopping
NetworkMastercardVisa
Card tierMidEntry
Fees
Joining fee₹500 + GST₹499 + GST
Annual fee₹500 + GST₹499 + GST
Fee waived at₹3,50,000₹1,00,000
Eligibility
Employment typesameBOTHBOTH
Min credit score-720
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹100
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Eligibility-Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 25,000 Self Employed: ITR > Rs 4,80,000/annum Credit Score: 720+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants
Documents neededPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

SBI Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810
SBI Simply Click Credit Card
Rewards a year
₹600
Fee a year
₹0
You keep
₹600

At this spend, SBI Flipkart Credit Card comes out ₹1,210 a year ahead of SBI Simply Click 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

SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers
SBI Simply Click Credit Card
  • Young online shoppers
  • First-time card users
  • Swiggy and Myntra regulars

Watch-Outs

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
SBI Simply Click Credit Card
  • Only about 0.2% on offline spends
  • No points on fuel, rent, wallets or EMIs
  • No lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (SBI Flipkart Credit Card, SBI Simply Click 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 Simply Click Credit Card?

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

Which is better for spending abroad?

SBI Flipkart Credit Card has the lowest forex markup. SBI Flipkart Credit Card: 3.5%; SBI Simply Click 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 Simply Click Credit 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.

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