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Flipkart SBI Credit Card Review 2026
The sbi flipkart credit card pays 5% cashback on Flipkart, 7.5% on Myntra, and unlimited 1% everywhere else - auto-adjusted to your statement, for a low ₹500 fee waivable at ₹3.5 lakh spend.
4.3
/5
Card24 Score
Rewards 4.4
Travel 2.5
Fees 4.5
Last reviewed June 2026 · Card24.ai editorial team
Annual Fee
Spend-Based Fee Waiver
Flipkart & Myntra Cashback
Up to 7.5% Cashback
Partner & Base Cashback
4% Partner Brand Cashback
Credit Card Verdict- Flipkart SBI
What we like
- The sbi flipkart credit card pays 5% cashback on Flipkart purchases and a surprisingly higher 7.5% on Myntra - both auto-adjusted against your next statemen.
- At just ₹500+GST, the flipkart sbi credit card's annual fee is among the lowest for a co-branded shopping card in India.
- New cardholders get a ₹250 Flipkart gift voucher on fee payment plus a further ₹1,000 benefit on their first Flipkart transaction within 30 days.
- Beyond the headline Flipkart and Myntra rates, the sbi flipkart card also earns 4% cashback on Netmeds, Swiggy, Uber, and PVR, plus an unlimited 1% on every other eligible purchase.
Watch out for
- There's no airport lounge access at all on the sbi flipkart credit card - this is purely a shopping and cashback card, not a travel card.
- Fuel, rent, government payments, jewellery, insurance, education fees, gaming, and wallet loads are all excluded from cashback entirely on the flipkart sbi credit card
- Sources describe the quarterly cashback caps somewhat inconsistently - some suggest a single combined ₹4,000 cap across Flipkart, Myntra, and partner spends together, while others describe three separate ₹4,000 caps.
- The flipkart sbi card is only available on Visa and Mastercard - it does not come on the RuPay network, which means it cannot be used for UPI payments.
Card24.ai review of the sbi flipkart credit card is based on official sbicard.com data and verified aggregators as of July 2026. Quarterly cashback cap structure varies across sources (see Watch Out For above) - verify exact current terms at sbicard.com. This card is distinct from general 'sbi credit card offers on flipkart today' bank-day discounts, which apply more broadly to SBI cardholders during Flipkart sales events and aren't part of this card's ongoing cashback structure.
Credit Card Achievers- Flipkart SBI
Is the Flipkart SBI Credit Card Worth It in 2026?
The sbi flipkart credit card is worth it for anyone who shops regularly on Flipkart, Myntra, or Cleartrip. At 5% on Flipkart, 7.5% on Myntra, and a low ₹500 annual fee that's easily offset by welcome benefits, it's a genuinely strong low-cost cashback card for online shoppers - and the simplicity of auto-adjusted cashback beats managing a points system for most people.
Beyond the headline categories, the flipkart sbi credit card also earns 4% cashback on Netmeds, Swiggy, Uber, and PVR, plus an unlimited 1% on every other eligible purchase - genuinely useful coverage for everyday spending, not just big shopping events. A 1% fuel surcharge waiver and a ₹3,50,000 spend threshold that waives the renewal fee round out a well-rounded, low-maintenance cashback card that doesn't require active management to get value from.That said, this isn't a travel card - there's no lounge access, and the flipkart sbi credit card apply online doesn't support RuPay or UPI payments. Fuel, rent, government payments, jewellery, insurance, education, gaming, and wallet loads are also excluded from cashback entirely, so heavy spenders in those categories won't find much value here.
That said, this isn't a travel card - there's no lounge access, and the flipkart sbi credit card apply online doesn't support RuPay or UPI payments. Fuel, rent, government payments, jewellery, insurance, education, gaming, and wallet loads are also excluded from cashback entirely, so heavy spenders in those categories won't find much value here.
Beyond the headline categories, the flipkart sbi credit card also earns 4% cashback on Netmeds, Swiggy, Uber, and PVR, plus an unlimited 1% on every other eligible purchase - genuinely useful coverage for everyday spending, not just big shopping events. A 1% fuel surcharge waiver and a ₹3,50,000 spend threshold that waives the renewal fee round out a well-rounded, low-maintenance cashback card that doesn't require active management to get value from.That said, this isn't a travel card - there's no lounge access, and the flipkart sbi credit card apply online doesn't support RuPay or UPI payments. Fuel, rent, government payments, jewellery, insurance, education, gaming, and wallet loads are also excluded from cashback entirely, so heavy spenders in those categories won't find much value here.
That said, this isn't a travel card - there's no lounge access, and the flipkart sbi credit card apply online doesn't support RuPay or UPI payments. Fuel, rent, government payments, jewellery, insurance, education, gaming, and wallet loads are also excluded from cashback entirely, so heavy spenders in those categories won't find much value here.
Best For: Regular Flipkart, Myntra, and Cleartrip shoppers who want simple, automatic cashback without managing a points system.
Flipkart SBI Credit Card Benefits
How to Get Maximum Value from Your Flipkart SBI Credit Card
Since Myntra earns 7.5% cashback on the sbi flipkart credit card - higher than Flipkart's own 5% rate - prioritise fashion and apparel purchases there specifically. Keep an eye on the separate ₹4,000 quarterly cap for Myntra so you don't lose the accelerated rate partway through a large purchase.
Don't limit the flipkart sbi credit card to just Flipkart and Myntra - Netmeds, Swiggy, Uber, and PVR all earn 4% cashback, which beats most general cards for these everyday categories. Combined with the unlimited 1% elsewhere, this card can realistically cover most of your monthly spending.
If you're a regular online shopper, keep an eye on your annual spend against the ₹3,50,000 threshold that reverses the ₹500 renewal fee. Big-ticket electronics or appliance purchases on Flipkart can help you cross this line faster than smaller, everyday transactions.
Make sure to complete a Flipkart transaction within 30 days of approval to unlock the ₹1,000 first-transaction benefit on the flipkart sbi credit card apply, and use the ₹250 gift voucher within its 1-year validity window on a purchase you were already planning.
Since the sbi flipkart credit card apply doesn't support UPI, keep a separate RuPay-linked card or UPI app handy for small daily payments - chai stalls, autos, local vendors - and reserve this card for online shopping and larger transactions where its cashback rates shine.
Don't limit the flipkart sbi credit card to just Flipkart and Myntra - Netmeds, Swiggy, Uber, and PVR all earn 4% cashback, which beats most general cards for these everyday categories. Combined with the unlimited 1% elsewhere, this card can realistically cover most of your monthly spending.
If you're a regular online shopper, keep an eye on your annual spend against the ₹3,50,000 threshold that reverses the ₹500 renewal fee. Big-ticket electronics or appliance purchases on Flipkart can help you cross this line faster than smaller, everyday transactions.
Make sure to complete a Flipkart transaction within 30 days of approval to unlock the ₹1,000 first-transaction benefit on the flipkart sbi credit card apply, and use the ₹250 gift voucher within its 1-year validity window on a purchase you were already planning.
Since the sbi flipkart credit card apply doesn't support UPI, keep a separate RuPay-linked card or UPI app handy for small daily payments - chai stalls, autos, local vendors - and reserve this card for online shopping and larger transactions where its cashback rates shine.
Flipkart SBI Credit Card Annual Fees
| Joining Fee | ₹500 + GST, on the sbi flipkart credit card |
| Annual Membership Fee | Annual Membership Fee ₹500 + GST per year, waived on ₹3,50,000 spend in the previous year |
| Cashback Rate - Flipkart, Myntra & Cleartrip | 5% on Flipkart & Cleartrip (cap ₹4,000/quarter) | 7.5% on Myntra (separate cap ₹4,000/quarter) |
| Cashback Rate - Partners & Base | 4% on Netmeds, Swiggy, Uber, PVR (cap ₹4,000/quarter) | Unlimited 1% on all other eligible spends |
| Fuel Surcharge Waiver | 1%, capped at ₹400 per statement cycle |
Flipkart SBI Credit Card Eligibility & Documents
Age 21-65 years
Minimum annual income Must have good source of income (above 750 CIBIL score)
Documents required PAN card · Aadhaar, Passport, Driving Licence or Voter ID · Income proof: salary slips
Residency Indian residents with current and permanent address within India.
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for Flipkart SBI Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Application Process - Visit sbicard.com and search for the Flipkart SBI Card, or go through Bajaj Markets for a paperless flipkart sbi card apply process
2
Fill Personal Details - Fill in employment and income details as part of the application form
3
Documents Required - Upload KYC documents: PAN card, Aadhaar/Passport/Driving Licence, income proof (salary slip, Form 16 or ITR), address proof → complete Video KYC if prompted
*T&C Apply
Frequently Asked Questions
The sbi flipkart credit card (also called the flipkart sbi credit card) is a co-branded cashback credit card from SBI Card and Flipkart. It earns 5% cashback on Flipkart and Cleartrip, 7.5% on Myntra, 4% on select partner merchants, and an unlimited 1% on all other eligible spends. It carries a low ₹500+GST joining and annual fee, waivable on ₹3,50,000 annual spend, and is available only on Visa and Mastercard networks.
To complete a flipkart sbi credit card apply, visit sbicard.com and search for the Flipkart SBI Card, or apply through the paperless digital process on Bajaj Markets. Enter your PAN, mobile number, and personal details, submit KYC documents, and complete Video KYC if prompted. Once approved, make a Flipkart transaction within 30 days to unlock the ₹1,000 welcome benefit.
The flipkart sbi bank credit card offers 5% cashback on Flipkart and Cleartrip, 7.5% on Myntra, 4% on select partners (Netmeds, Swiggy, Uber, PVR), and an unlimited 1% on all other eligible spends. Each accelerated category is capped at ₹4,000 in cashback per quarter. Cashback is credited monthly and automatically adjusted against your next statement.
These are different things. The sbi flipkart credit card reviewed here is a specific co-branded credit card with an ongoing 5-7.5% cashback structure. 'Flipkart Sbi Debit Card' typically refers to periodic instant-discount offers SBI runs for its debit (and sometimes credit) cardholders generally during Flipkart sales events like Big Billion Days - a separate, time-limited promotion, not this card's everyday cashback benefit.
Possibly - SBI periodically runs separate instant-discount or bank-day offers on Flipkart for SBI cardholders generally, on top of this specific co-branded card's ongoing 5-7.5% cashback. Check the current offers section on Flipkart or sbicard.com directly, since these promotions rotate frequently and aren't part of the flipkart sbi credit card's standard, ongoing benefit structure covered in this review.