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faayda.com › compare › Flipkart SBI vs SBI SimplyCLICK
Comparison · हिन्दी

Flipkart SBI vs SBI SimplyCLICK

Both cards compared on real rupee returns for Flipkart SBI vs SBI SimplyCLICK which SBI online shopping credit card is better. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
SBI
FLIPKART SBI
ASHOK KUMAR
VS
SBI
SIMPLYCLICK
ASHOK KUMAR
Our verdict
Flipkart SBI Credit Card wins for most people
Card A wins decisively with ₹8,860 annual benefit versus Card B's ₹1,871, delivering nearly 5x more value. Its category-specific cashback structure perfectly aligns with your shopping and dining spend patterns.
Side-by-side comparison
Flipkart SBI Credit Card ✓ SBI SimplyCLICK Credit Card
Annual benefit ₹8,860 ₹1,871
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST joining and annual (renewal waived on ₹3.5 lakh annual spend) ₹499 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 7.5% cashback on Myntra, 5% on Flipkart (including Shopsy and Flipkart Travel) and Cleartrip, 4% at Zomato, Uber, PVR and Netmeds, 1% on everything else; each accelerated group is capped at ₹4,000 cashback a quarter; credited straight to your statement 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Regular Flipkart, Myntra and Cleartrip shoppers who also order on Zomato or ride Uber, and want automatic cashback instead of points Online spend with SBI relationship
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Flipkart SBI Credit Card
Choose Card A if you frequently shop on Flipkart/Myntra, dine at Zomato, or book travel on Cleartrip. The capped quarterly cashback ensures consistent rewards, and fee waiver at ₹3.5L annual spend makes it cost-effective for regular users.
SBI SimplyCLICK Credit Card
Select Card B only if you heavily use BookMyShow, Domino's, or other specific partners not on Card A, and maintain minimal Flipkart/dining spend. It's better suited for casual online shoppers seeking lower commitment.
Who should get which card
Get Flipkart SBI if you…
· ₹10k monthly shopping spend unlocks maximum Flipkart 5% + Myntra 7.5% cashback
· ₹3k dining spend earns 4% at Zomato—significantly higher than Card B's 1.25%
· Direct statement cashback (no point conversion hassle)
· ₹3.5L spend threshold easily waived with your ₹23k/month profile
Get SBI SimplyCLICK if you…
· Better for BookMyShow and Domino's frequent users
· Lower annual fee (₹499) with ₹1L waiver threshold
· Suits minimal online shopping patterns
· Useful if you prioritize SBI relationship benefits only
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
SBI Card PULSE vs SBI SimplyCLICK →Flipkart SBI vs Amazon Pay ICICI →SBI SimplyCLICK vs SBI SimplySAVE →SBI Cashback vs SBI SimplyCLICK →Best Shopping Credit Cards →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, Flipkart SBI Credit Card offers better annual returns for most spend profiles.
Flipkart SBI Credit Card has an annual fee of ₹500 + GST joining and annual (renewal waived on ₹3.5 lakh annual spend). SBI SimplyCLICK Credit Card has an annual fee of ₹499 + taxes (waived on ₹1L spend).
Flipkart SBI Credit Card offers 7.5% cashback on Myntra, 5% on Flipkart (including Shopsy and Flipkart Travel) and Cleartrip, 4% at Zomato, Uber, PVR and Netmeds, 1% on everything else; each accelerated group is capped at ₹4,000 cashback a quarter; credited straight to your statement. SBI SimplyCLICK Credit Card offers 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1.
Flipkart SBI Credit Card lounge access: None. SBI SimplyCLICK Credit Card lounge access: No.
Flipkart SBI Credit Card charges 3.5% forex markup. SBI SimplyCLICK Credit Card charges 3.5% forex markup.