Equitas Tiga Credit Card vs Flipkart SBI Card
How Equitas Tiga Credit Card and Flipkart SBI Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: Equitas Tiga Credit Card costs ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) and Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) — both waivable on spend, so the rewards decide it.
Equitas Tiga Credit Card — better for upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver.
Flipkart SBI Card — better for regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points.
Side by side
| Equitas Tiga Credit CardEquitas Small Finance Bank | Flipkart SBI CardSBI Card | |
|---|---|---|
| Annual fee | ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) | ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) |
| Reward rate | 3 RP/₹100 on UPI, contactless and Pay-by-3 spends; 1 RP/₹100 on other spends; 1 RP = ₹0.15 (vouchers/products/travel) or ₹0.10 (cashback/Insta Redemption). | 7.5% cashback on Myntra; 5% on Flipkart and Cleartrip; 4% on partner merchants (Uber/Zomato/Netmeds/PVR); 1% on all other eligible spends (uncapped). Each accelerated category has its OWN separate cashback cap of ₹4,000 per quarter (not a shared cap) - i.e. Myntra up to ₹4,000/qtr, Flipkart up to ₹4,000/qtr, Cleartrip up to ₹4,000/qtr, partner merchants up to ₹4,000/qtr. Cashback auto-credited as statement credit (within ~15 days of the statement cycle), no points/redemption. |
| Lifetime-free | No | No |
| Network | RuPay / Visa | Visa / Mastercard |
| Eligibility | Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced. | Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced) |
| Best for | UPI-heavy spenders who want 3X reward points on UPI and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. | Regular Flipkart and Myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. |
Equitas Tiga Credit Card
- 3 RP/₹100 on UPI, contactless and Pay-by-3 EMI merchant spends; 1 RP/₹100 on other eligible spends (no rewards on rent, wallet loads, fuel or government spends)
- ₹500 + GST joining/annual fee, waivable on ≈₹1.2 lakh annual spend (issuer figure); often issued with the first-year fee waived
- 1% fuel surcharge waiver on fuel transactions of ₹500 to ₹3,000, capped at ₹100 per statement cycle; Pay-by-3 lets you split select-merchant purchases into 3-month low-cost EMIs
Flipkart SBI Card
- 7.5% cashback on Myntra and 5% on Flipkart/Cleartrip - each category has its own separate cap of ₹4,000/quarter
- 4% cashback on partner merchants - Uber, Zomato, Netmeds, PVR (own ₹4,000/quarter cap); 1% on all other spends (uncapped)
- 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000 (max ₹400/statement cycle); no lounge access
Equitas Tiga Credit Card vs Flipkart SBI Card — FAQs
Neither is universally better. Equitas Tiga Credit Card suits upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. Flipkart SBI Card suits regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: Equitas Tiga Credit Card costs ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) and Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) — both waivable on spend, so the rewards decide it. On rewards, Equitas Tiga Credit Card gives 3 reward points per ₹100 (3x base) on upi, contactless and pay-by-3 merchant spends; 1 rp per ₹100 on other spends. whereas Flipkart SBI Card gives 7.5% cashback on myntra and 5% on flipkart and cleartrip (each category cap ₹4,000 per quarter)
Equitas Tiga Credit Card: ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer). Flipkart SBI Card: ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.