Flipkart SBI Card vs SBI SimplySAVE Credit Card
How Flipkart SBI Card and SBI SimplySAVE 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 SimplySAVE 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 SimplySAVE Credit Card — better for everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card.
Side by side
| Flipkart SBI CardSBI Card | SBI SimplySAVE 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 per ₹150 on dining/movies/groceries/departmental stores (~1.7%); 1 RP per ₹150 on other spends (~0.17%); 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Visa / Mastercard | Visa / Mastercard / RuPay |
| Eligibility | Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced) | Age approx 21-70 years (salaried and self-employed); minimum income approx ₹20,000/month (aggregator-sourced) |
| 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. | Everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee 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 SimplySAVE Credit Card
- 10 RP per ₹150 on dining, movies, groceries and departmental stores (1 RP = ₹0.25, i.e. ~1.7%); 1 RP per ₹150 elsewhere
- Welcome bonus of 2,000 Reward Points on spending ₹2,000 within 60 days of issuance
- 1% fuel surcharge waiver on transactions of ₹500-3,000 (capped at ₹100 per statement cycle)
Flipkart SBI Card vs SBI SimplySAVE 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 SimplySAVE Credit Card suits everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee 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 SimplySAVE 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 SimplySAVE Credit Card gives 10x reward points (10 rp per ₹150) on dining, movies, groceries and departmental store spends — effective ~1.7% reward value
Flipkart SBI Card: ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend). SBI SimplySAVE 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.