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SBI Cards
Flipkart SBI Card
Cashback
Online Shopping
1st Year Fee: ₹500* Plus Applicable Taxes
Shopping
7.5% cashback on Myntra
Co-branded
5% cashback on spends at Flipkart
Travel
5% cashback on Cleartrip
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About Flipkart SBI Card
Flipkart SBI Card caters to both cashback and online shopping, especially for loyal customers of Flipkart and Myntra. With 7.5% cashback on Myntra and 5% cashback on Flipkart & Cleartrip, this card competes well with another popular co-branded option, Flipkart Axis Credit Card.
While both cards offer similar benefits, such as 4% cashback on partner merchants and unlimited 1% cashback on other spends, Flipkart SBI Card differs when it comes to partner merchants. It offers 4% cashback on spends at Netmeds, PVR, Uber, and Zomato, but with a quarterly capping of Rs. 4,000. Whereas, Flipkart Axis Card offers unlimited cashback on partner merchants.
However, despite being a co-branded card, this SBI Credit Card turns out to be a decent all-rounder cashback credit card, catering to multiple lifestyle categories such as online shopping, travel, dining, medicine, and entertainment. Overall, it is a suitable option for Flipkart and Myntra loyalists looking to maximize savings on their online spends.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
Cashback Benefits
Cardholders can earn cashback across multiple categories as per the below details:
- 7.5% cashback on spends at Myntra, up to Rs. 4,000 per quarter
- 5% cashback on spends at Flipkart & Cleartrip, capped at Rs. 4,000 each per quarter
- 4% cashback on spends at partner merchants, including Netmeds, PVR, Uber & Zomato, up to Rs. 4,000 per quarter1
- 1% unlimited cashback on other spends2
Cashback will be auto credited to the cardholder’s account within 15 days after the statment cycle
Other Features & Benefits
Welcome Benefits
- Flipkart gift card worth Rs. 250 after the payment of joining fee
- Flipkart e-gift card worth Rs. 500 & Cleartrip flights coupon of Rs. 500 on first transaction on Flipkart within first 30 days3
Fuel Surcharge Waiver
- 1% fuel surcharge waiver (up to Rs. 400 per month) on fuel spends between Rs. 500 and Rs. 4,000
Annual Fee Reversal
- Annual fee reversal on spending Rs. 3.5 Lakh in a year
Flipkart SBI Card: Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Applicable Taxes | ||||||||||||||
| Annual Fee | Rs. 500 + Applicable Taxes | ||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You prefer to shop from Flipkart for your day to day and big-ticket purchases
You frequently travel and prefer to make bookings through Cleartrip
You frequently shop online at Myntra and looking for a card with high cashback on online spends
You are looking for a low annual fee card with decent cashback across multiple lifestyle categories
Paisabazaar Review
What do we like about this card?
With 5% cashback on Flipkart, this card is a decent option for consumers who prefer to make day-to-day and other expenses through Flipkart. Despite being a co-branded card, it offers 7.5% cashback on Myntra and 5% cashback on Cleartrip, enhancing its overall value for online shopping and travel bookings. Additionally, it offers 4% cashback on partner merchants, including Netmeds, PVR, Uber, and Zomato, covering multiple lifestyle categories such as medicines, entertainment, travel, and dining. Overall, at a low annual fee, this card turns out to be an all-rounder cashback credit card with decent value-back across multiple categories.
Pros
- 7.5% cashback on Myntra
- Welcome benefits worth Rs. 250
- 5% cashback on Flipkart & Cleartrip
- 4% cashback on Netmeds, PVR, Uber & Zomato
- Unlimited base cashback on spends other than merchants
Cons
- Low base cashback of 1% on other spends
- No complimentary lounge access benefits
- Quarterly capping on accelerated cashback
- High annual fee waiver condition for an entry-level card
Conclusion
While Flipkart SBI Card offers accelerated cashback across multiple brands, it comes with quarterly capping on each category, which limits the overall value. On the other hand, its competitor, Flipkart Axis Card, also restricts cashback on spends at Flipkart, Myntra, and Cleartrip but offers unlimited cashback at partner merchants. However, Flipkart SBI Card still stands out as a suitable option for consumers looking for a low annual fee card with decent cashback on online spends.
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for this credit card online through the official SBI Card website by filling out the application form and submitting the required documents. Alternatively, you can also apply offline by visiting your nearest SBI branch and submitting the application form in person.
No, this credit card does not offer any renewal benefits. However, you can get the annual fee reversed if you spend Rs. 3.5 Lakh in a year.
Both are co-branded credit cards that offer similar benefits, including 7.5% cashback on Myntra, 5% cashback on Flipkart & Cleartrip, and unlimited 1% cashback on other spends. Besides this, Flipkart SBI Card offers 4% cashback on Netmeds, PVR, Uber, and Zomato, but this comes with a quarterly capping of Rs. 4,000. Where, Flipkart Axis Bank Credit Card offers unlimited 4% cashback on partner merchants, including Cult.fit, PVR, Swiggy, and Uber.
Yes, you can use this credit card for overseas transactions. However, it comes with a high forex markup fee of 3.5%. Therefore, if you want to save on international spends, you should use a credit card with a low or zero forex markup fee.
No, this credit card offers 4% cashback on spends at partner merchants like Netmeds, PVR, Uber, and Zomato, but you can earn a maximum cashback of Rs. 4,000 in a quarter.
No, this credit card comes with a joining and annual fee of Rs. 500 plus applicable taxes. However, from the second year onward, the annual fee can be reversed if you spend Rs. 3.5 Lakh in a year.
Footnotes
- These preferred partners are subject to change from time to time.
- Fuel spends, Wallet load, Gift or prepaid card load, Voucher purchase, Cash advance, Payment of outstanding balance, Payment of card fees & other charges, Rental and Govt. related transactions, Education payments, Jewellery spends, Insurance payments, Gaming and EMI spends are not eligible for cashback benefit.
- This offer is valid from 26 August to 31 December 2025.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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