Cashback SBI Credit Card VS Eternal SBI Credit Card VS Flipkart SBI Card VS Paytm SBI Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Cashback SBI Credit Card
Eternal SBI Credit Card
Flipkart SBI Card
Paytm SBI Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.
High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.
Strong option for online spending compared to other cashback cards with simple auto-credit.
Contactless payment facility available for quick and secure low-value transactions.
Global acceptance in over 24 million outlets ensures usability during travel and shopping.
Pros
Key benefits and features.
Generous 10% instant discount across the Eternal ecosystem with immediate checkout gratification instead of delayed points.
Monthly BOGO movie ticket on District adds tangible recurring entertainment value that rivals like HDFC Swiggy lack.
Covers high-margin Blinkit non-grocery (electronics, beauty, apparel) plus District events and dining in one card.
Provisional ~Rs. 499 fee level, if confirmed, would be modest against the headline discounts.
Pros
Key benefits and features.
High cashback on Flipkart (5%) and Myntra (7.5%) for frequent online shoppers.
Significant savings on travel with 12% off on Cleartrip bookings.
Convenient contactless payments and global cash access for flexibility.
Option to convert large purchases into easy EMIs with Flexipay facility.
Pros
Key benefits and features.
Offers up to 3% cashback on Paytm Mall, movies, and travel, maximizing savings.
Includes a complimentary Paytm First Membership valued at Rs. 899 with benefits.
Provides Cyber Fraud Insurance cover of Rs. 1,00,000 for enhanced transaction security.
Ideal for new credit card users and frequent Paytm app transactors to build credit.
Cons
Key drawbacks and limitations.
Several categories are excluded from cashback eligibility, limiting earnings on key spends.
Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.
Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.
No instant discounts during online sales, reducing appeal during promotional shopping periods.
Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.
Cons
Key drawbacks and limitations.
Strict exclusion of everyday Blinkit grocery spends limits daily utility versus HDFC Swiggy which includes Instamart groceries.
Monthly discount caps and minimum order values are unknown, so the 10% headline cannot be valued yet.
5% valueback merchant list and credit mechanics are unknown, so real earn rate cannot be evaluated yet.
No confirmed details on fees, waiver threshold, welcome benefits, lounge access, fuel waiver or forex markup.
Cons
Key drawbacks and limitations.
Limited benefits outside of co-branded partners like Flipkart, Myntra, and Cleartrip.
Renewal fee waiver requires a high annual spend of ₹3,50,000.
No complimentary lounge access or golf benefits mentioned for premium perks.
Cash advance charges are not detailed, which could be a hidden cost.
Cons
Key drawbacks and limitations.
This credit card has been officially discontinued, limiting new applications.
Cashback is not applicable on e-wallet loading transactions, a common Paytm use.
High foreign currency markup of 3.5% makes international spends less rewarding.
Rewards structure will change to points from July 2024, altering current benefits.