Card Details
Flipkart SBI Card
Monzy Score
8/ 10
Very good for online shoppers.
Strong ~8% back in its core category; high 3.5% forex markup.
Card Issuer
SBI Card
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Cashback
Card Access
Standard
Offers from SBI Card
See allNeelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026
Earn Points
7.5%
On Myntra (max ₹1,333/Mo)
5%
On Flipkart (max ₹1,333/Mo)
5%
On Cleartrip (max ₹1,333/Mo)
4%
On Swiggy
Benefits
Up to 7.5% cashback on Myntra, 5% on Flipkart &…
- Accelerated co-brand cashback
- 7.5% cashback on Myntra with ₹4,000 quarterly cap
- 5% cashback on Flipkart and Cleartrip with ₹4,000 quarterly caps each
- ₹100 minimum transaction for cashback
- Cashback not awarded on excluded categories like fuel, rentals or wallets
Cleartrip 5% cashback plus instant discounts
- Extra Cleartrip travel savings
- 7% flight discount (max ₹1,500 domestic / ₹4,000 international)
- 20% hotel discount (max ₹5,000)
- 10% bus discount (max ₹150)
- Limited-time offer valid through 30 June 2026
₹500 fee waived on ₹3.5 lakh annual spend
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet
Estimated Returns
Myntra
7.5% cashback; capped Rs.4,000/quarter (shown as ~Rs.1,333/month equivalent)
₹1,333
Flipkart, Cleartrip & Shopsy
5% cashback; capped Rs.4,000/quarter (~Rs.1,333/month)
₹611
Preferred partners (Zomato, Uber, PVR, Netmeds, etc.)
4% cashback; capped Rs.4,000/quarter (~Rs.1,333/month)
₹0
All other eligible spends
1% unlimited cashback (excludes fuel, rent, wallet, EMI). Cashback auto-credited as statement credit
₹0
Total Annual Return
₹23,332
6.48% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“Just Got My SBI Flipkart Credit Card – Any Tips to”
by r/IndianCreditCards, Mar 2026
“SBI Flipkart Credit Card — 5 Days, 4 Calls, 1 Physical KYC”
by r/CreditCardsIndia, Oct 2025
“SBI Flipkart Card”
by r/CreditCardsIndia, May 2026
“Flipkart Axis or Flipkart SBI? Which to close?”
by r/IndianCreditCards, Apr 2026
“Flipkart sbi card valid for 10% instant discount in amazon?”
by r/CreditCardsIndia, Sep 2025
Frequently Asked Questions
The Flipkart SBI Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. SBI Card waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Cashback not applicable on Merchant EMI, Flexipay EMI, fuel, rentals, government payments, jewellery, insurance, education, gaming, wallet loads, voucher purchases, cash advances, payment of outstanding balance, card fees or EMI spends on Flipkart, Cleartrip and Myntra.
Cashback is credited only on transactions of ₹100 or more and is auto-adjusted against the next statement.
Minimum transaction amount of ₹100 is required for cashback.
