Question 1

What is the annual fee on the Flipkart SBI Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the Flipkart SBI Card give?

Accepted Answer

You get 7.5% back on Myntra, capped at ₹1,333 a month. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹750 back, so about ₹9,000 a year if you hit it every month. Fuel, Rent Payments, Wallet Loads, Merchant EMIs earn nothing at all.

Question 3

Does the Flipkart SBI Card give free airport lounge access?

Accepted Answer

The Flipkart SBI Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the Flipkart SBI Card recently and is it still worth it in 2026?

Accepted Answer

SBI portfolio-wide cuts (1% fees Nov 2025, MCC exclusions, Jan 2026 lounge tightening). The changes are dated Nov 2025; Jan 2026. At ₹2L of yearly spend the card returns roughly ₹2,000 at its general rate of about 1%, against a ₹499 renewal fee. Keep it if you clear the ₹2L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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