Flipkart SBI Card vs Reliance SBI Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: Reliance SBI Card earns higher net annual returns at standard spend tiers.
- Annual Fee: Flipkart SBI Card (₹500/yr) vs Reliance SBI Card (₹499/yr).
- Base Reward Rate: Flipkart SBI Card (1% Cashback) vs Reliance SBI Card (0.25 pts/₹100).
- Lounge Access: Flipkart SBI Card (0 dom) vs Reliance SBI Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived
2SBI Card · fee waived
Smart verdict
Get the Reliance SBI Card — it earns you +₹1,738/yr over the Flipkart SBI Card, mostly from your other online shopping spend.
How Your Spends Convert to Rewards
Live calculation breakdown for Flipkart SBI Card
| Spend Category | Monthly Spend | Reward Rate | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Utilities & Bills | ₹4,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Insurance | ₹1,500/mo | 0% Cashback | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 1% Cashback | ₹60 | ₹720/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 1% Cashback | ₹35 | ₹420/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 5% Cashback | ₹100 | ₹1,200/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1% Cashback | ₹50 | ₹600/yr | Active Earn |
Groceries | ₹7,000/mo | 1% Cashback | ₹70 | ₹840/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1% Cashback | ₹40 | ₹480/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1% Cashback | ₹30 | ₹360/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | Flipkart SBI CardSBI Card | Reliance SBI CardSBI Card |
|---|---|---|
| Joining fee | ₹500 | ₹499 |
| Annual fee | ₹500/yr | ₹499/yr |
| Fee waiver | Spend ₹3,50,000/yr | Spend ₹1,00,000/yr |
| Base reward | 1% cashback | 0.25 pts / ₹100 |
| Top reward categories | 5% flipkart, 1% other (higher rate at select merchants only) | 10x online, 5x dining, 5x other |
| Redemption friction | Auto credit | Moderate |
| Point expiry | Never expire | 24 months |
| Lounge access | None | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹400/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-07Official SBI Card Credit Card Page |
Verdict at a Glance
Choose Flipkart SBI Card if your monthly spending is focused on flipkart, other.
Choose Reliance SBI Card if you spend heavily on online, dining.
Flipkart SBI Card vs Reliance SBI Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
Reliance SBI Card
At ₹25,000/month, Reliance SBI Card nets ₹3,812/yr vs Flipkart SBI Card at ₹1,840/yr — a ₹1,972 edge.
Reliance SBI Card
At ₹50,000/month, Reliance SBI Card nets ₹6,358/yr vs Flipkart SBI Card at ₹4,620/yr — a ₹1,738 edge.
Reliance SBI Card
At ₹1,00,000/month, Reliance SBI Card nets ₹11,754/yr vs Flipkart SBI Card at ₹9,600/yr — a ₹2,154 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, Flipkart SBI Card or Reliance SBI Card?▼
At a typical ₹50,000/month spend (cashback redemption), Reliance SBI Card comes out ahead by about ₹1,738 per year, driven mostly by other online shopping spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Flipkart SBI Card or Reliance SBI Card?▼
Flipkart SBI Card earns 1% as a base, while Reliance SBI Card earns 0.25 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Flipkart SBI Card and Reliance SBI Card?▼
Flipkart SBI Card: ₹500 + GST per year, waived on ₹3,50,000 annual spend. Reliance SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do Flipkart SBI Card and Reliance SBI Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. Flipkart SBI Card excludes fuel, utilities, insurance, rent; Reliance SBI Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is Flipkart SBI Card ever the better pick over Reliance SBI Card?▼
Within a normal spend range at ₹50,000/month, Reliance SBI Card stays ahead. Flipkart SBI Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.