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SBI Card · Visa / Mastercard · हिन्दी

Flipkart SBI Credit Card: full review

The Flipkart SBI Credit Card is one of the strongest cards for anyone who shops regularly on Flipkart, Myntra or Cleartrip: 5% to 7.5% back, with a separate ₹4,000 quarterly cap for each group, credited straight to the statement. Outside those brands and Zomato, Uber, PVR and Netmeds it earns a plain 1%, and the ₹3.5 lakh spend needed to waive the renewal fee is steep. It makes most sense as a shopping card next to a better all-rounder.

Apply now ↗Annual fee: ₹500 + GST
Last updated: October 2026 · Current terms verified
SBI CARD
VISA
)))
FLIPKART
ASHOK KUMAR
12/28
₹500 + GST joining and annual (renewal waived on ₹3.5 lakh annual spend)Annual fee
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 statementReward structure
NoneLounge access
7.5% cashback on Myntra, up to ₹4,000 a quarter5% cashback on Flipkart (including Shopsy and Flipkart Travel), up to ₹4,000 a quarter5% cashback on Cleartrip, up to ₹4,000 a quarter4% cashback at Zomato, Uber, PVR and Netmeds, up to ₹4,000 a quarter1% unlimited cashback on all other eligible spendsCashback is credited automatically to your card statement, with no points to redeemFlipkart e-gift card worth ₹250 as a welcome gift, issued after the joining fee is paid1% fuel surcharge waiver on transactions up to ₹4,000, up to ₹400 per statement cycleUp to 3 complimentary add-on cards
Apply now ↗ Min. income: Not publicly specified · Credit score: Not publicly specified
Pros and cons
Pros
✓ Up to 7.5% back on Myntra and 5% on Flipkart and Cleartrip, among the highest flat co-brand rates
✓ Separate ₹4,000 quarterly caps for each accelerated group, so heavy Flipkart spend does not eat into your Myntra or Cleartrip cashback
✓ Cashback lands on the statement automatically, with no redemption fees or point valuations to work out
✓ Low ₹500 fee
Cons
✗ No cashback on fuel, rent, wallet loads, government, education, insurance, gaming, jewellery or EMI and Flexipay purchases
✗ Converting a purchase to EMI later reverses its cashback
✗ Renewal fee waiver needs ₹3.5 lakh a year, much higher than most ₹500 cards
✗ No airport lounge access
✗ 3.5% forex markup on international spends
Quick facts
Issuer SBI Card
Network Visa / Mastercard
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)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
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%
Interest rate 3.75% per month (45% a year)
Fee waiver Renewal fee waived on ₹3.5 lakh spend in the previous membership year
Add-on cards Up to 3 complimentary add-on cards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceSBI Card's Most Important Terms and Conditions (MITC), the Flipkart SBI Card terms booklet and its product brochure · Last checked October 2026
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Frequently asked questions
The annual fee for Flipkart SBI Credit Card is ₹500 + GST joining and annual (renewal waived on ₹3.5 lakh annual spend). The joining fee is ₹500.
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
Flipkart SBI Credit Card is best for Regular Flipkart, Myntra and Cleartrip shoppers who also order on Zomato or ride Uber, and want automatic cashback instead of points. The Flipkart SBI Credit Card is one of the strongest cards for anyone who shops regularly on Flipkart, Myntra or Cleartrip: 5% to 7.5% back, with a separate ₹4,000 quarterly cap for each group, credited straight to the statement. Outside those brands and Zomato, Uber, PVR and Netmeds it earns a plain 1%, and the ₹3.5 lakh spend needed to waive the renewal fee is steep. It makes most sense as a shopping card next to a better all-rounder.
The minimum income requirement for Flipkart SBI Credit Card is Not publicly specified. A minimum credit score of Not publicly specified is also recommended.
Flipkart SBI Credit Card does not offer airport lounge access.
Flipkart SBI Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
Card reviews
Axis Bank Select Credit CardHigher 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 spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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Flipkart SBI₹500 + GST
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