Flipkart SBI Credit Card
The Flipkart SBI Credit Card is SBI Card and Flipkart's co-branded cashback card.
Cashback Fit Score
95/100
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
1 – 7.5
Statement credit
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
22/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Flipkart SBI Credit Card Benefits
Flipkart SBI Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 7.5%
Earn rate
Flipkart SBI Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Flipkart SBI Credit Card has a joining fee of ₹500 and an annual fee of ₹500, waived when you spend ₹3,50,000 or more in a year.
Joining fee ₹500 + taxes; renewal fee ₹500 + taxes from the second year, reversed when the previous year's spends are ₹3,50,000 or more. Each accelerated cashback category (Flipkart, Cleartrip, Myntra, preferred partners) is capped at ₹4,000 a quarter; no cashback in that category once the cap is reached. No cashback on transactions under ₹100. Over-limit fee 2.5% of the over-limit amount or ₹600, whichever is higher. Finance charges up to 3.75% a month (45% a year).
Flipkart SBI Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- Fuel and purchases at petrol pumps
- Wallet loads, gift card and prepaid card loads, and voucher purchases
- Rent and property management payments
- Government transactions
- School and education payments
- Insurance payments
- Jewellery
- Gaming
- EMI spends, including Flexipay and merchant EMI
- Cash advances and balance transfers
- Fees, charges and payment of outstanding balance
- Payments made with standing instructions or Fetch and Pay on SBI Card platforms
- No complimentary domestic or international airport lounge access
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹29,167/mo (₹3,50,004/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Flipkart SBI Credit Card FAQs
What is the annual fee for Flipkart SBI Credit Card?
The annual fee for Flipkart SBI Credit Card is ₹500. The fee is waived on annual spend above ₹3,50,000.
What is the joining fee for Flipkart SBI Credit Card?
The one-time joining fee for Flipkart SBI Credit Card is ₹500.
What are the rewards and benefits of Flipkart SBI Credit Card?
Flipkart SBI Credit Card earns direct cashback rewards credited to your statement. Reward rate ranges from 1% to 7.5%.
What lounge access benefits does Flipkart SBI Credit Card provide?
Flipkart SBI Credit Card does not include complimentary airport lounge access.
How do you earn rewards with the Flipkart SBI Credit Card?
7.5% cashback on Myntra, capped at ₹4,000 a quarter. 5% cashback on Flipkart, including Shopsy and Flipkart Travel, capped at ₹4,000 a quarter. 5% cashback on Cleartrip, capped at ₹4,000 a quarter. 4% cashback at preferred partners Zomato, Uber, PVR and Netmeds, capped at ₹4,000 a quarter. 1% unlimited cashback on other eligible spends.
What are the exclusions and limits on the Flipkart SBI Credit Card?
The Flipkart SBI Credit Card does not earn rewards on fuel and purchases at petrol pumps, rent and property management payments, government transactions, school and education payments, insurance payments, jewellery, gaming and cash advances and balance transfers. Wallet loads, gift card and prepaid card loads, and voucher purchases. EMI spends, including Flexipay and merchant EMI. Fees, charges and payment of outstanding balance. Payments made with standing instructions or Fetch and Pay on SBI Card platforms. No complimentary domestic or international airport lounge access.
Is the Flipkart SBI Credit Card worth its annual fee?
The annual fee is ₹500, waived when you spend ₹3,50,000 or more in a year. At the 1% base reward rate, rewards alone cover the fee at about ₹50,000 of yearly spend. Spends in bonus categories earn up to 7.5% and get there sooner, within their caps.
Flipkart SBI Credit Card Eligibility
Pros & Cons
- 7.5% cashback on Myntra and 5% on Flipkart, Shopsy and Cleartrip
- 4% cashback at Zomato, Uber, PVR and Netmeds
- 1% cashback on other eligible spends with no cap
- Cashback credited to the card account automatically, with no points to redeem
- Low ₹500 fee, reversed on ₹3.5 lakh annual spend
- Each accelerated category is capped at ₹4,000 cashback a quarter
- No cashback on fuel, rent, wallet loads, insurance, education, government, jewellery, gaming or EMI spends
- No cashback on transactions under ₹100
- 3.5% foreign currency markup
- No complimentary domestic or international airport lounge access
Who is this card for?
People who shop regularly on Flipkart and Myntra and want automatic cashback. The 7.5% Myntra cap is reached at about ₹53,000 of Myntra spend a quarter, and the 5% Flipkart cap at ₹80,000 a quarter.
Quick Links
Data last updated 16 Oct 2026
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Calculate your exact earnings with Flipkart SBI Credit Card
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