Flipkart SBI Card vs SBI SimplyCLICK Credit Card
How Flipkart SBI Card and SBI SimplyCLICK Credit 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: Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) and SBI SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) — both waivable on spend, so the rewards decide it.
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.
SBI SimplyCLICK Credit Card — better for online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card.
Side by side
| Flipkart SBI CardSBI Card | SBI SimplyCLICK Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) |
| Reward rate | 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. | 10 RP/₹100 on partner-brand online spends, 5 RP/₹100 on other online spends (combined cap 10,000 RP/month), 1 RP/₹100 on all other spends; 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Visa / Mastercard | Visa / Mastercard |
| Eligibility | Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced) | Age approx 18-65 (some aggregators say 21-70); salaried or self-employed with regular income, approx ₹20,000/month minimum |
| Best for | Regular Flipkart and Myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. | Online shoppers who spend heavily on partner brands like Amazon, Myntra, Swiggy, BookMyShow and Cleartrip and want a low-fee rewards card. |
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
SBI SimplyCLICK Credit Card
- 10X Reward Points on partner-brand online spends and 5X on all other online spends (combined cap 10,000 RP/month); 1 RP = ₹0.25
- Welcome Amazon e-gift card worth ₹500 on joining; Cleartrip/Yatra e-voucher worth ₹2,000 each on ₹1L and ₹2L annual online spend milestones
- 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 (max ₹100 per month)
Flipkart SBI Card vs SBI SimplyCLICK Credit Card — FAQs
Neither is universally better. 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. SBI SimplyCLICK Credit Card suits online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) and SBI SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) — both waivable on spend, so the rewards decide it. On rewards, Flipkart SBI Card gives 7.5% cashback on myntra and 5% on flipkart and cleartrip (each category cap ₹4,000 per quarter) whereas SBI SimplyCLICK Credit Card gives 10x reward points on online spends with partner brands (apollo 24x7, bookmyshow, cleartrip, dominos, myntra, netmeds, swiggy, yatra, etc.), capped at 10,000 rp per month.
Flipkart SBI Card: ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend). SBI SimplyCLICK Credit Card: ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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.