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Flipkart SBI Card vs CASHBACK SBI Card

Verified 8 sources

Your monthly spend

CASHBACK SBI Card and Flipkart SBI Card are ₹100 a year apart at ₹30,000 a month: ₹3,000 against ₹2,900, after fees

Flipkart SBI Card beats CASHBACK SBI Card by ₹900 a year at ₹75,000 a month: ₹8,500 against ₹7,600, after fees

Flipkart SBI Card beats CASHBACK SBI Card by ₹1,800 a year at ₹1.5 lakh a month: ₹16,900 against ₹15,100, after fees

Flipkart SBI Card beats CASHBACK SBI Card by ₹9,800 a year at ₹3 lakh a month: ₹33,800 against ₹24,000, after fees

Flipkart SBI Card beats CASHBACK SBI Card by ₹32,400 a year at ₹5 lakh a month: ₹56,400 against ₹24,000, after fees

Flipkart SBI Card

SBI Card

Flipkart SBI Card

Our verdict: Keep

CASHBACK SBI Card

SBI Card

CASHBACK SBI Card

Our verdict: Keep

CASHBACK SBI Card vs Flipkart SBI Card: which should you pick?

SBI's two cashback cards, and the question is whether your online spend lives inside Flipkart. Flipkart SBI pays 7.5% on Myntra and 5% on Flipkart, Shopsy and Cleartrip, each on its own ₹4,000 quarterly ceiling, 4% at Netmeds, PVR, Uber and Zomato and 1% elsewhere; CASHBACK SBI pays 5% online at any merchant but stops at ₹2,000 of cashback a statement cycle online and ₹4,000 in all, and pays nothing on utilities. CASHBACK SBI is ahead only at ₹25k a month; Flipkart SBI takes over from ₹50k. ₹500 waived at ₹3,50,000 of spend against ₹999 waived at ₹2,00,000, and neither opens a lounge.

Flipkart SBI Card and CASHBACK SBI Card both earn SBI Card Cashback, so the transfer partners are the same; what separates them is how fast each earns and what each costs. Flipkart SBI Card wins for almost everyone: CASHBACK SBI Card is only ahead below ₹50,000 a month, and by ₹5 lakh a month Flipkart SBI Card is ₹32,400 a year better off. At ₹75,000 a month the gap is mostly what each card earns on your spend: Flipkart SBI Card returns ₹8,500 a year in rewards to CASHBACK SBI Card's ₹7,600. We found nothing CASHBACK SBI Card does clearly better than Flipkart SBI Card on the rows below.

CASHBACK SBI Card's ongoing earn stops at ₹2,00,000 of spend a month, where Flipkart SBI Card's doesn't.

Flipkart SBI Card review CASHBACK SBI Card review

Side by side

Flipkart SBI Card and CASHBACK SBI Card, fact by fact
FactFlipkart SBI CardCASHBACK SBI Card
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹500/yr✓ Better₹999/yr
Fee waiverSpend ₹3,50,000 a yearSpend ₹2,00,000 a year
Reward rate on everyday spend1.0%1.0%
PointsSBI Card CashbackSBI Card Cashback
Our value per point₹1.00 †₹1.00 †
Transfer partnersNoneNone
Lounges it gets you into0 of 7920 of 792
Forex markup3.5% + GST3.5%
Welcome benefit₹250 Flipkart gift card on fee realisation; applying through the Flipkart, Myntra or Cleartrip app adds a further voucher and a ₹750 Cleartrip flights couponNot published — SBI lists no welcome or activation benefit for this card on the product record or in the T&C e-kit

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Flipkart SBI Card is ahead on 7 of the 8 rows we can call.

More facts 8 rows
Rank, verdict, lounge visits and fine print
FactFlipkart SBI CardCASHBACK SBI Card
Our rank#146✓ Better#156
Our verdictKeepKeep
Lounge visits in IndiaNone — no complimentary lounge accessNone — the card is on neither Set A nor Set B of SBI's eligible-card lists
Lounge visits abroadNoneNone published
Forex, in the bank’s words3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% on rupee transactions of ₹1,000 or more taken abroad3.5% of the transaction amount, plus a 3.5% dynamic-currency-conversion fee; CASHBACK is in none of the MITC's reduced-markup exceptions (AURUM, Elite, Prime NRI secured, Tata Neu Infinity, Miles Elite/Prime/Miles)
Interest (APR)up to 3.75%/mo (45%/yr), charged from the transaction date, with a ₹25 minimum finance charge per transaction3.75%/mo (45%/yr) on the worked example in §1F
Income needed (salaried)not published₹1k–49k/month band — SBI's own product record tags the card with the lowest income band it publishes; no hard floor is stated
Income needed (self-employed)not publishedSame ₹1k–49k/month band — SBI's record does not split salaried from self-employed

† Flipkart SBI Card: The unit is a rupee, not a point: SBI's own T&C says the cashback "is directly credited to the SBI Card account within two working days of the statement generation". Nothing to claim, nothing to expire — so ₹1.00 is floor, value and ceiling alike. What bites is the cap: each accelerated category has its own ₹4,000 ceiling per quarter, and the quarter runs from your first transaction after account opening, not the calendar.

† CASHBACK SBI Card: The unit is a rupee, not a point: SBI's own T&C says the cashback "is directly credited to the SBI Card account within two working days of the statement generation", and its FAQ says "Your Card Cashback does not expire". So ₹1.00 is floor, value and ceiling alike. What bites instead is the ceiling on EARNING it — ₹2,000 a statement cycle on online spend, ₹2,000 on offline, and never more than ₹4,000 combined.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendFlipkart SBI CardCASHBACK SBI Card
At ₹30,000 a month₹2,900₹3,000✓ Better
At ₹75,000 a month₹8,500✓ Better₹7,600
At ₹1.5 lakh a month₹16,900✓ Better₹15,100
At ₹3 lakh a month₹33,800✓ Better₹24,000
At ₹5 lakh a month₹56,400✓ Better₹24,000
Pays for itself from₹5,000 a month✓ Better₹10,000 a month

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Flipkart SBI Card and CASHBACK SBI Card at each ₹25,000 step
Monthly spendFlipkart SBI CardCASHBACK SBI CardAhead
₹25,000₹2,300₹2,500✓ BetterCASHBACK SBI Card by ₹200
₹50,000₹5,600✓ Better₹5,000Flipkart SBI Card by ₹600
₹75,000₹8,500✓ Better₹7,600Flipkart SBI Card by ₹900
₹1 lakh₹11,300✓ Better₹10,100Flipkart SBI Card by ₹1,200
₹1.25 lakh₹14,100✓ Better₹12,600Flipkart SBI Card by ₹1,500
₹1.5 lakh₹16,900✓ Better₹15,100Flipkart SBI Card by ₹1,800
₹1.75 lakh₹19,700✓ Better₹17,600Flipkart SBI Card by ₹2,100
₹2 lakh₹22,600✓ Better₹20,200Flipkart SBI Card by ₹2,400
₹2.25 lakh₹25,400✓ Better₹22,700Flipkart SBI Card by ₹2,700
₹2.5 lakh₹28,200✓ Better₹24,000Flipkart SBI Card by ₹4,200
₹2.75 lakh₹31,000✓ Better₹24,000Flipkart SBI Card by ₹7,000
₹3 lakh₹33,800✓ Better₹24,000Flipkart SBI Card by ₹9,800
₹3.25 lakh₹36,700✓ Better₹24,000Flipkart SBI Card by ₹12,700
₹3.5 lakh₹39,500✓ Better₹24,000Flipkart SBI Card by ₹15,500
₹3.75 lakh₹42,300✓ Better₹24,000Flipkart SBI Card by ₹18,300
₹4 lakh₹45,100✓ Better₹24,000Flipkart SBI Card by ₹21,100
₹4.25 lakh₹47,900✓ Better₹24,000Flipkart SBI Card by ₹23,900
₹4.5 lakh₹50,800✓ Better₹24,000Flipkart SBI Card by ₹26,800
₹4.75 lakh₹53,600✓ Better₹24,000Flipkart SBI Card by ₹29,600
₹5 lakh₹56,400✓ Better₹24,000Flipkart SBI Card by ₹32,400
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 shared

Both cards earn SBI Card Cashback, so they move points to the same 0 partners .

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Flipkart SBI Card

  • No lounge access of any kind — absent from the T&C booklet, the product record and the MITC
  • Every accelerated category caps at ₹4,000 a quarter, and the quarter runs from your first transaction after account opening, not the calendar
  • The '12% off on Cleartrip' still on the product page is a coupon offer its own T&C ends on 30 June 2026 — only the 5% cashback is ongoing

5 more on its page

CASHBACK SBI Card

  • The 5% caps at ₹2,000 of cashback a statement cycle, which is ₹40,000 of online spend — past that, online earns nothing until the cycle turns
  • Offline has its own ₹2,000 cap, and the T&C says aggregate cashback 'shall not exceed ₹4,000' in a statement cycle under any circumstances
  • Thirteen MCC families earn 0%: fuel, wallets, rent, jewellery, education, utilities, insurance, railways, gaming, tolls, government, quasi-cash and card fees

6 more on its page

Common questions 5 answered

Which is better, Flipkart SBI Card or CASHBACK SBI Card?

Flipkart SBI Card and CASHBACK SBI Card both earn SBI Card Cashback, so the transfer partners are the same; what separates them is how fast each earns and what each costs. Flipkart SBI Card wins for almost everyone: CASHBACK SBI Card is only ahead below ₹50,000 a month, and by ₹5 lakh a month Flipkart SBI Card is ₹32,400 a year better off. At ₹75,000 a month the gap is mostly what each card earns on your spend: Flipkart SBI Card returns ₹8,500 a year in rewards to CASHBACK SBI Card's ₹7,600. We found nothing CASHBACK SBI Card does clearly better than Flipkart SBI Card on the rows below.

Flipkart SBI Card or CASHBACK SBI Card: which is worth more at ₹3 lakh a month?

Flipkart SBI Card beats CASHBACK SBI Card by ₹9,800 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Flipkart SBI Card or CASHBACK SBI Card?

Flipkart SBI Card: ₹500/yr against ₹999/yr. Flipkart SBI Card waives its fee if you spend ₹3,50,000 a year; CASHBACK SBI Card waives its fee if you spend ₹2,00,000 a year.

Which gets you into more airport lounges, Flipkart SBI Card or CASHBACK SBI Card?

Both get you into 0 of the 792 lounges we track.

How current is this comparison?

Both cards were last checked against their banks' own documents on 12 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Both cards were last checked against their banks' own documents on 12 Oct 2026. Every fact above comes from these 8 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 8 sources
  1. Official Product page — the ₹500 joining and renewal fees and the ₹3.5 lakh reversal read
  2. Official Terms & Conditions booklet — the full cashback table, its caps and its exclusions read
  3. Official Preferred partner list — the four merchants behind the 4% rate read
  4. Official Cleartrip offer terms — the 12% headline is a coupon offer dated to 30 June 2026 read
  5. Official SBI Card MITC — the ₹500/₹500 fee row and the 3.5% foreign-currency markup read
  6. Official Product page — 5% online and 1% offline, the ₹999 fee both years, and the ₹2 lakh renewal reversal read
  7. Official Cashback T&C e-kit — the 5%/1% table, the ₹2,000 + ₹2,000 + ₹4,000 statement-cycle caps, and the full MCC exclusion list read
  8. Official SBI Card's Airport Lounge Access page (the Set A and Set B card lists) — the programme document this card's lounge entitlement is read against read

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