The Flipkart SBI Credit Card is a co-branded cashback card issued by SBI Card in partnership with Flipkart. It gives 5% cashback on Flipkart (including Shopsy), 7.5% on Myntra, 5% on Cleartrip, 4% on Netmeds, PVR, Uber and Zomato, and 1% on other eligible spends. The annual fee is ₹500 plus GST, and the renewal fee is reversed if you spend ₹3.5 lakh in a year.
What the headline rates don’t show is the limit. Each boosted category has its own ₹4,000 cashback cap per quarter, and EMI purchases earn nothing, even on Flipkart. Below, you will find the card’s charges, benefits, cashback rules, welcome offer, Visa and Mastercard variants, eligibility, and the steps to apply. Every figure was checked as of now on the card’s official page, its T&C booklet, and SBI Card’s MITC.
Flipkart SBI Credit Card Quick Overview
| Feature | Details |
|---|---|
| Card type | Co-branded cashback card (SBI Card + Flipkart) |
| Joining (first-year) fee | ₹500 + GST; waived only on first-year-free cards during select offer periods |
| Renewal fee | ₹500 + GST from year 2; reversed on ₹3.5 lakh spends in the previous year |
| Flipkart, Shopsy, Flipkart Travel | 5% cashback, up to ₹4,000 a quarter |
| Myntra | 7.5% cashback, up to ₹4,000 a quarter |
| Cleartrip | 5% cashback, up to ₹4,000 a quarter |
| Netmeds, PVR, Uber, Zomato | 4% cashback, up to ₹4,000 a quarter |
| Other eligible spends | 1%, no cap |
| Welcome benefit | ₹250 Flipkart gift card on fee realisation + first-transaction benefit (see below) |
| Fuel surcharge waiver | 1% on ₹500–₹4,000 fills, up to ₹400 per statement cycle |
| Airport lounge access | None |
| Network | Visa or Mastercard (no RuPay variant) |
| Forex markup | 3.5% |
Cashback rates and quarterly limits are as per SBI Card’s T&C booklet, checked as of now, and the chart is illustrative.
What Is the Flipkart SBI Credit Card?
The Flipkart SBI Credit Card is a co-branded Flipkart credit card issued by SBI Cards and Payment Services Limited in partnership with Flipkart. The roles are split clearly: SBI Card decides your credit limit, sends the monthly bill, and credits the cashback, while Flipkart, Myntra, and Cleartrip are the places where the higher cashback rates apply. The card launched in August 2025.
Unlike most SBI cards, it pays cashback instead of reward points. That means there is no catalogue to browse, no redemption request to place, and no redemption fee to pay. The cashback simply reduces your card balance. If you have used other SBI cards before, this is the biggest practical change, because redeeming SBI reward points involves minimum blocks and a fee, and none of that applies here.
Is Flipkart SBI Credit Card and SBI Credit Card the Same?
Partly. The Flipkart SBI card is a full SBI credit card, so you use the same SBI Card app, website login, customer care, and bill payment options as any other SBI cardholder. Your statement, credit limit, and dues are managed by SBI Card, not Flipkart.
What differs is how the card pays you back. A regular card like SimplySAVE earns reward points that you redeem later, while the SBI Flipkart credit card earns cashback that is credited straight to your card account. The fee structure, partner list, and caps also vary for this card. If you want to see how it compares with SBI Card’s other categories, such as lifestyle, travel, and fuel cards, here are the different types of SBI credit cards.
Flipkart SBI Credit Card Benefits
These are the Flipkart SBI Credit Card benefits listed on SBI Card’s card page and T&C booklet:
- 5% cashback on Flipkart, including Shopsy and Flipkart Travel, on non-EMI purchases.
- 7.5% cashback on Myntra, the highest rate on the card.
- 5% cashback on Cleartrip, which SBI Card advertises as part of a “12% off on Cleartrip” offer.
- 4% cashback at preferred partners: Netmeds, PVR, Uber and Zomato, as per SBI Card’s preferred partner list. The list can change.
- 1% cashback on all other eligible spends, with no upper limit.
- Welcome benefits of a ₹250 Flipkart gift card plus a first-transaction benefit.
- 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000 at any petrol pump in India, up to ₹400 per statement cycle.
- Renewal fee reversal on annual spends of ₹3.5 lakh.
- Free add-on cards for family members above 18, and contactless payments.
The rates look generous, but how much you actually earn depends on three things covered later: the quarterly cap in each category, the long list of excluded spends, and whether you pay through EMI.
Flipkart SBI Credit Card Welcome Benefits
SBI Card’s page lists two Flipkart SBI Credit Card welcome benefits: a ₹250 Flipkart gift card on fee realisation, and “Rs. 1000 additional benefit on the first transaction on Flipkart”. The welcome benefit T&C breaks that down for applications made through the Flipkart app:
| Benefit | What you get | When you get it |
|---|---|---|
| Joining fee benefit | ₹250 Flipkart e-gift card | After the joining fee is realised |
| First-transaction benefit | ₹500 Flipkart e-gift card | After your first Flipkart transaction with the card |
| Limited-period add-on (when running) | Flat ₹750 Cleartrip flights coupon, valid for 3 months, once per user | After your first Flipkart transaction, only during the offer period |
Each of these benefits runs for a limited period set in SBI Card’s welcome benefit T&C, and the dates are extended, changed, or withdrawn from time to time. The ₹250 gift card is the standard benefit listed on the card page, while the ₹500 gift card and the Cleartrip coupon are promotional add-ons. So treat the table as the structure of the offer, and check the validity dates in the current T&C before you apply.
To qualify, apply through the Flipkart app and make your first Flipkart transaction with the card within 30 days of card approval, not delivery. This matters because a card can take time to reach you, and the 30-day clock may already be running. The benefits arrive within 30 to 45 days of that transaction, and the gift card balance goes into your Flipkart wallet.
Applications through the Myntra and Cleartrip apps carry their own versions of these offers. Before you submit the form, check the joining fee, the first-transaction deadline, whether each offer is still valid, and whether the benefit applies to first-year-free cards in the app you use. Each benefit has its own conditions and dates, so don’t add them up as one cash total. If the Cleartrip coupon is part of the offer when you apply, remember that it is a discount code, not cash, and it cannot be combined with card cashback on the same booking.
Does Flipkart SBI Credit Card Have Lounge Access?
No. The card page and T&C booklet list no complimentary domestic or international airport lounge access, so there are no free visits to track and no spend condition to unlock them. This is a shopping card, and the fee reflects that. If lounge visits matter to you, compare SBI cards that include lounge access and check their spend conditions and visit limits before you choose.
How Flipkart SBI Credit Card Cashback Works
Here is how the Flipkart SBI Credit Card cashback works, as per the cashback terms and conditions in section 11 of the T&C booklet:
| Where you spend | Cashback | Cashback limit | Spend that hits the limit |
|---|---|---|---|
| Flipkart, Shopsy, Flipkart Travel | 5% | ₹4,000 a quarter | ₹80,000 a quarter |
| Myntra | 7.5% | ₹4,000 a quarter | ₹53,333 a quarter |
| Cleartrip | 5% | ₹4,000 a quarter | ₹80,000 a quarter |
| Netmeds, PVR, Uber, Zomato | 4% | ₹4,000 a quarter | ₹1,00,000 a quarter |
| All other eligible spends | 1% | No limit | — |
| Fuel, rent, wallet or gift-card loads, EMI and other excluded spends | 0% | — | — |
The last column shows the approximate eligible spend needed to earn ₹4,000 at the stated rate, assuming every transaction qualifies and none of that category’s cap has been used yet. For most people, these limits are high enough that only a big sale-season purchase, such as a phone or a laptop, would come close.
Flipkart SBI Credit Card Cashback Limit
The Flipkart SBI Credit Card cashback limit is ₹4,000 per quarter for each category separately. It is not one combined cap, and there is no monthly cap. The booklet says capping is calculated on individual categories, so across Flipkart, Myntra, Cleartrip, and the preferred partners, the combined cap can theoretically reach ₹16,000 a quarter, plus 1% on other spends. Treat that as a ceiling, not an expected earning, because actual cashback depends on eligible transactions and how each merchant is identified.
Once a category reaches ₹4,000, it earns no cashback for the rest of that quarter, as per the booklet. It does not fall back to 1%. So if you plan a large purchase during a sale and your Flipkart cap is nearly used, splitting the purchase across two capping periods can save you real money.
How the Cashback Quarter Is Counted
A “quarter” on this card means three billing cycles, not a calendar quarter like January to March. It starts from your first transaction after the account opens and resets after the third bill is generated. Since your quarter follows your statement dates, it helps to know how a credit card billing cycle works before you time a big purchase.
This rule is from the booklet linked on the card page, updated in October 2026. An older March 2026 version said “calendar quarter”, so check the current booklet if the timing matters to you.
When Is Cashback Credited?
Cashback earned in one billing cycle is credited on the next statement date plus two days. SBI Card’s example: if your statement date is 15 February, the cashback for the 16 January to 15 February cycle is credited by 17 February. It reduces your card balance, and any returns or refunds in the same cycle reduce the cashback too. Any cashback that has not yet been posted is forfeited if the card is closed, which matters if you are thinking of cancelling the card.
No Cashback on EMI Purchases
Merchant EMI and Flexipay EMI transactions earn zero cashback, even on Flipkart. This is the rule most likely to surprise new cardholders, because Flipkart offers no-cost EMI on many big purchases. The booklet gives this example: you spend ₹35,000 on Flipkart and ₹10,000 elsewhere in a month, and ₹10,000 of the Flipkart spend is on EMI.
| Spend | Amount | Cashback |
|---|---|---|
| Flipkart (non-EMI) | ₹25,000 | 5% = ₹1,250 |
| Flipkart on EMI | ₹10,000 | Nil |
| Other eligible spends | ₹10,000 | 1% = ₹100 |
| Total | ₹45,000 | ₹1,350 |
To put it simply, a ₹40,000 eligible non-EMI purchase on Flipkart earns ₹2,000 at 5%, provided the category’s cap is not already used, while the same purchase on EMI earns no cashback. If you foreclose an EMI later, the cashback is not given back either. Merchant EMI can also carry a one-time processing fee with the first EMI, as per the booklet. So before you pick an instalment plan, compare the full EMI cost, any processing fee, and any instant discount against the cashback you would give up.
Spends That Get No Cashback
As per the booklet, these spends earn 0% cashback:
- Fuel at petrol pumps (only the surcharge waiver applies)
- Wallet loads, gift card or prepaid card loads, and voucher purchases
- Rent and government-related transactions
- School and education payments
- Jewellery, insurance and gaming
- Merchant EMI, Flexipay, balance transfers, cash advances and ATM withdrawals
- Payments through Standing Instructions or Fetch and Pay on SBI Card’s website, app or chatbot
- Card fees, charges, outstanding payments and disputed transactions
Eligibility is decided by the merchant category code (MCC) recorded for each transaction, so a payment may miss cashback even if the merchant name looks eligible. Preferred-partner cashback also applies only to transactions above ₹100, as per the preferred partner T&C, so very small Uber or Zomato payments earn nothing extra. The current booklet does not list utility bills as excluded, so they earn 1%, but the 1% utility fee above ₹50,000 per cycle still applies.
Is the 12% Cleartrip Offer Still Available?
SBI Card’s page still advertises 12% off on Cleartrip, but the offer document it links lists validity only up to 30 June 2026, so don’t assume the instant discount is active today. The linked Cleartrip offer T&C breaks the 12% into a 7% instant discount on flights (up to ₹1,500 domestic and ₹4,000 international) with coupon CTFKSBIC, plus the card’s 5% cashback. Hotels showed 20% + 5% and buses 10% + 5%.
Check the current coupon at Cleartrip checkout before you book. The card’s regular 5% Cleartrip cashback is separate from the coupon and continues, subject to its own cap.
Does Flipkart SBI Card Work on Amazon?
Yes, the card works on Amazon and on any other website or store, but Amazon is not a boosted category, so it earns only the standard 1%. If your online shopping is spread across Amazon, Swiggy, and many other sites, the Cashback SBI Card usually suits you better, because its 5% applies to eligible online spends on most websites rather than a fixed partner list.
How to Get the Most Out of Flipkart SBI Credit Card
Most of the value on this card is lost through small habits rather than the rules themselves. A few simple steps, all based on the terms above, keep your cashback close to the headline rate:
- Pay in full instead of on EMI whenever you can afford to, since EMI purchases earn nothing. If you need an EMI, compare its total cost with the 5% you would lose.
- Route Myntra, Flipkart, and Cleartrip spends through this card, and use another card for spends it excludes, such as fuel, rent, and wallet loads.
- Track each category against its ₹4,000 cap in large-spend quarters. Once a cap is reached, that category earns zero until the quarter resets after your third bill.
- Keep partner payments above ₹100, because preferred-partner cashback doesn’t apply to smaller transactions.
- Make your first Flipkart transaction within 30 days of approval if you applied through the Flipkart app, so you don’t miss the welcome benefits running at that time.
- Pay the full statement amount every month, because interest at 3.75% a month wipes out the cashback within weeks.
Flipkart SBI Credit Card Charges
The Flipkart SBI Credit Card charges below are taken from the card page and SBI Card’s MITC dated 21 August 2026. GST applies to all fees and charges. Where a charge depends on the transaction category or amount, SBI Card’s current terms determine whether it applies.
| Charge | Amount |
|---|---|
| Joining fee (first year) | ₹500 (waived on first-year-free cards in select offer periods) |
| Renewal fee | ₹500 a year from year 2; reversed if spends in the previous card-membership year are ₹3.5 lakh or more |
| Add-on card fee | Nil |
| Finance charges (interest rate) | Up to 3.75% a month (45% a year) |
| Cash advance fee | 2.5% of the amount or ₹500, whichever is higher |
| Foreign currency markup | 3.5% |
| Over-limit charges | 2.5% of the over-limit amount or ₹600, whichever is higher |
| Payment dishonour fee | 2% of the payment amount, minimum ₹500 |
| Card replacement | ₹100 to ₹250 |
| Rent payment fee | ₹199 + taxes per rent transaction |
| Utility payments | 1% if utility payments exceed ₹50,000 in a billing cycle |
| Wallet loads | 1% on loads above ₹1,000 |
| Education via third-party apps | 1% (direct payments to schools and colleges are free) |
The Flipkart SBI credit card annual charges are therefore just the ₹500 joining fee and the ₹500 renewal fee, plus GST. Everything else in the table applies only if you use the card in that way, such as withdrawing cash, paying rent, or spending abroad.
Flipkart SBI Credit Card Late Payment Charges
A late payment charge applies when you don’t pay at least the minimum amount due by the due date, and it depends on your total amount due:
| Total amount due | Late payment charge |
|---|---|
| Up to ₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹950 |
| ₹25,001 to ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
An extra ₹100 applies if you miss the minimum amount due for two cycles in a row. Paying only the minimum avoids this charge but not the interest, which is why it helps to understand what the minimum amount due really costs you.
As a simple illustration, at 3.75% a month, a ₹10,000 balance carried for one month means about ₹375 in interest before taxes. That is more than the cashback on ₹7,000 of Flipkart shopping. Actual charges depend on SBI Card’s calculation and your account activity, but the lesson holds: cashback only makes sense if you pay the full bill by the due date. For a fee-by-fee breakdown across cards, see how credit card charges work.
Is Flipkart SBI Credit Card Free or Lifetime Free?
No, it is not free on a permanent basis. SBI Card’s page says the joining fee is waived only for “First-Year Free cards (offer during select period)”. Even on a first-year-free card, the ₹500 renewal fee applies from the second year unless you spent ₹3.5 lakh in the previous year. So there is no Flipkart SBI Credit Card lifetime free version, and a “zero joining fee” offer is not the same as zero annual fee.
Check the offer shown on the application page when you apply. If a ₹500 fee appears on a card you expected to be free, it is usually the renewal fee from year two, or the first-year-free offer did not apply to your application.
Flipkart SBI Card Annual Fee Waiver
The Flipkart SBI card annual fee waiver is spend-based. The ₹500 renewal fee is reversed if your eligible spends in the previous card-membership year reach ₹3,50,000, which works out to about ₹29,200 a month. Below that level, you pay ₹590 a year including GST.
For most users, the better question is whether the cashback covers the fee. At 5%, about ₹11,800 of eligible, non-EMI Flipkart spending in a year earns ₹590 cashback, which equals the fee with GST, as long as the quarterly cap is not reached. Anyone who shops on Flipkart even once a month for ₹1,000 is close to that break-even point.
Joining and renewal fees as per sbicard.com and checked as of now on 27 October 2026; the offer shown when you apply may differ. Illustrative chart by Finserv Decode.
Flipkart SBI Credit Card Closing Charges
We found no separate closure fee in SBI Card’s MITC, so there are no published Flipkart SBI Credit Card closing charges. Still, confirm with SBI Card before you close the card. Clear the full outstanding first, and wait until your last cashback has been credited, because cashback not yet posted to your account is forfeited on closure. Closing a card can also lower your total available credit limit, which may raise your credit utilisation and affect your credit score.
Flipkart SBI Card Visa vs Mastercard: What Is the Difference?
SBI Card issues the card on both networks, as stated in its T&C booklet. Many applicants wonder whether the Flipkart SBI Card Visa or the Flipkart SBI Card Mastercard is better, but SBI Card’s own benefits are identical on both:
| Point | Visa variant | Mastercard variant |
|---|---|---|
| Cashback rates and caps | Same | Same |
| Fees and fee reversal | Same | Same |
| Welcome benefits | Same | Same |
| What can differ | Visa-run merchant offers | Mastercard-run merchant offers |
| Acceptance | Visa network merchants in India and abroad | Mastercard network merchants in India and abroad |
The only real difference is the network-run offers, which Visa and Mastercard run on their own. Pick the network you are offered, or the one whose offers you use more often. Some Flipkart sale offers mention a specific network, so read the offer terms before a large purchase.
Is Flipkart SBI Credit Card Available on RuPay or UPI?
No. SBI Card lists the card only on Visa and Mastercard, so there is no Flipkart SBI Credit Card RuPay variant, and this card cannot be linked to UPI apps. UPI on credit cards works only with RuPay cards from issuers that support it. If paying through UPI with a credit card matters to you, you will need a separate RuPay credit card.
Flipkart SBI Credit Card Eligibility and Documents
SBI Card lists the general Flipkart SBI Credit Card eligibility criteria as an Indian resident aged 21 to 70, salaried or self-employed, with a regular income and a good credit record. SBI Card does not publish a minimum salary or a minimum CIBIL score for this card. Approval depends on its own assessment of your profile.
| Criteria | Requirement |
|---|---|
| Age | 21 to 70 years (add-on cardholders 18+) |
| Residency | Resident of India |
| Employment | Salaried or self-employed with regular income |
| Income | Not published; SBI Card checks income proof |
| Credit score | Not published; a clean repayment record helps |
Depending on your profile, you may be asked for PAN, Aadhaar, or another address proof, and income proof such as salary slips, bank statements, or ITR. KYC is completed through DigiLocker or video KYC. Meeting the criteria does not guarantee approval, because issuers also look at your existing loans, card dues, and repayment history. For a broader view of what lenders check, read about credit card eligibility in India.
Flipkart SBI Credit Card Limit
There is no fixed Flipkart SBI Credit Card limit and no published minimum. SBI Card sets your first credit limit after its own assessment, which may consider your income, credit history, and existing loans or cards. It can raise the limit later based on how you use the card and how regularly you repay. Keeping your usage well below the limit and paying on time also helps you use a credit card to build your CIBIL score, which in turn supports a higher limit later.
How to Apply for Flipkart SBI Credit Card
The Flipkart SBI Credit Card application process is fully online, and you can apply for the Flipkart SBI Credit Card online through the Flipkart app or SBI Card’s website. Check the joining fee and welcome offer shown on your route before you submit, because promotional benefits depend on where you apply.
Application Process Through the Flipkart App
This route qualifies for the welcome gift cards listed above.
- Open the Flipkart app and search for “Flipkart SBI Credit Card”, or open it from the account or payment section.
- Tap Apply Now and verify your mobile number with OTP.
- Enter your PAN, personal details, address, and employment details.
- Complete Aadhaar KYC through DigiLocker or video KYC.
- Save the application reference number sent by SMS. Submitting the form does not guarantee approval.
Apply on the SBI Card Website
Open the Flipkart SBI Card page on sbicard.com, click Apply Now, and fill in the same details. The screens are the same as for any other SBI card, and this walkthrough of the SBI credit card online application explains each one.
How Many Days Does It Take to Get Flipkart SBI Credit Card?
SBI Card does not publish a fixed number of days for delivering the card. After you submit the form, it verifies your documents and completes KYC, then approves the card and dispatches it by courier. Pre-approved offers in the app may take fewer steps. Remember that the 30-day window for the welcome benefit starts from approval, not delivery.
How to Check Flipkart SBI Credit Card Status
To check your Flipkart SBI Credit Card status, use Track My Application on sbicard.com with your application reference number or registered mobile number. If the page shows a pending stage for a long time, there are other ways to check SBI credit card application status, including SMS and customer care.
Login, App and Customer Care
There is no separate Flipkart login for the card. Use the SBI Card app or the Login option on sbicard.com, the same as for any SBI card, to see your cashback, statements, and payments.
For help, the Flipkart SBI Credit Card customer care number is the same as SBI Card’s: 1860 180 1290, or the toll-free 1800 180 1290. For escalation steps and other channels, here is the full list of SBI Card customer care numbers.
Flipkart SBI vs Flipkart Axis vs Cashback SBI Card
In the Flipkart Axis vs Flipkart SBI credit card comparison, the headline rates look almost the same, but the caps, partner lists, and welcome offers differ. The Flipkart Axis Bank card page lists 7.5% on Myntra and 5% each on Flipkart and Cleartrip, each capped at ₹4,000 per statement quarter, unlimited 4% at its preferred merchants, and unlimited 1% elsewhere.
| Point | Flipkart SBI Card | Flipkart Axis Bank Card | Cashback SBI Card |
|---|---|---|---|
| Annual fee | ₹500; reversed at ₹3.5 lakh | Joining nil (limited offer); ₹500 from year 2, waived above ₹3.5 lakh | ₹999; reversed at ₹2 lakh |
| Flipkart | 5% | 5% | 5% (online spend) |
| Myntra | 7.5% | 7.5% | 5% (online spend) |
| Preferred partners | 4%: Netmeds, PVR, Uber, Zomato; capped | 4%: Axis partner list; unlimited | 5% if online |
| Other spends | 1% | 1% | 5% online, 1% offline |
| Cashback limit | ₹4,000 a quarter per category | ₹4,000 per statement quarter each on Myntra, Flipkart, Cleartrip | ₹2,000 online + ₹2,000 offline per statement |
| Welcome | ₹250 gift card + first-transaction benefit | ₹350 activation benefits | None |
The biggest difference is the 4% partner category: it is capped on the SBI card, and unlimited on the Axis card, and the two merchant lists are different. If you spend heavily on food delivery or cabs, check which card’s partner list matches your apps.
If your shopping is spread across many websites, the Cashback SBI Card’s eligible online cashback and per-statement caps are worth comparing. If it is mostly eligible Flipkart and Myntra purchases, the Flipkart cards fit better. Your result depends on your spend mix, exclusions, caps, and fees, and each card follows its own rules. If you prefer points over cashback, the ₹499 SBI SimplyCLICK card is a points-based alternative for partner brands.
Is Flipkart SBI Credit Card Good or Bad?
Whether the Flipkart SBI Credit Card is good or bad depends on where you shop and how you pay. Use this quick check:
| Good for you if | Not ideal if |
|---|---|
| You buy regularly on Flipkart or Myntra without EMI | You buy most big items on no-cost EMI |
| You book travel on Cleartrip | You want airport lounge access |
| You want cashback without tracking points | You need RuPay or UPI on a credit card |
| You pay the full bill every month | You often carry a balance |
| You spend over ₹11,800 a year on Flipkart (covers the fee) | You shop mostly on Amazon |
Here is a realistic example. Spending ₹5,000 a month on Flipkart and ₹3,000 on Myntra earns ₹250 + ₹225 = ₹475 a month, or ₹5,700 a year, well within the caps. After the ₹590 fee with GST, you keep about ₹5,110. This assumes eligible non-EMI spends, unused caps, and the ₹590 renewal fee, and it leaves out welcome offers. For a regular Flipkart and Myntra shopper who pays in full, that is a solid return for a ₹500 card.
Frequently Asked Questions
What is the annual fee of Flipkart SBI Credit Card?
The joining fee is ₹500 plus GST, and the renewal fee is ₹500 plus GST from the second year. The renewal fee is waived if your spending in the previous year is ₹3.5 lakh or more.
Is Flipkart SBI Credit Card free?
No. The joining fee is waived only on first-year-free cards issued during select offer periods, and the ₹500 renewal fee still applies from year two unless you spend ₹3.5 lakh.
What is the Flipkart SBI Credit Card cashback limit?
It is ₹4,000 per quarter for each category separately: Flipkart, Myntra, Cleartrip, and the preferred partners. A quarter means three billing cycles. The 1% cashback on other spends has no limit.
What happens after I reach the ₹4,000 cashback limit?
As per SBI Card’s booklet, that category earns no cashback for the rest of the quarter. It resets after your third bill in the capping period.
Does Flipkart SBI Credit Card give cashback on EMI?
No. Merchant EMI and Flexipay EMI transactions earn no cashback, even on Flipkart.
What are the Flipkart SBI Credit Card welcome benefits?
You get a ₹250 Flipkart gift card on fee realisation, plus a first-transaction benefit. For Flipkart app applications, SBI Card’s T&C have also listed limited-period add-ons, such as a ₹500 Flipkart gift card and a ₹750 Cleartrip flights coupon, if you transact on Flipkart within 30 days of approval. Check which offers are valid when you apply.
Does Flipkart SBI Credit Card have lounge access?
No. The card offers no domestic or international airport lounge access.
Which is better, Flipkart SBI card Mastercard or Visa?
Both have the same cashback, fees, and caps. Only network-run offers and acceptance differ, so pick the one you are offered or whose offers you use.
Is Flipkart SBI Credit Card available on RuPay?
No. It is issued only on Visa and Mastercard, so it cannot be linked to UPI.
What is the eligibility for Flipkart SBI Credit Card?
You need to be an Indian resident aged 21 to 70, salaried or self-employed, with a regular income and a good credit record. SBI Card does not publish a minimum salary or score.
How do I check my Flipkart SBI Credit Card status?
Use Track My Application on sbicard.com with your application reference number or registered mobile number.
Does Flipkart SBI Credit Card work on Amazon?
Yes, but Amazon purchases earn the standard 1% cashback, not the 5% boosted rate.
Are there closing charges on Flipkart SBI Credit Card?
SBI Card lists no closure fee. Pay the full outstanding first, and close the card only after your last cashback is credited, because unposted cashback is forfeited.
What is the Flipkart SBI Credit Card customer care number?
SBI Card’s numbers are: 1860 180 1290 or 1800 180 1290 toll-free.
Conclusion
The Flipkart SBI Credit Card suits you if you regularly make eligible, non-EMI purchases on Flipkart, Shopsy, Myntra, Cleartrip and its four partners, and pay your bill in full every month. Each boosted category has its own ₹4,000 quarterly cap, and excluded spends such as fuel, rent, wallet loads and EMI earn nothing, so the card rewards a fairly specific way of shopping rather than all spending.
Weigh the ₹500 joining and renewal fees plus GST, the ₹3.5 lakh reversal level and the current welcome offer against what you actually spend. For someone who spends even ₹1,000 a month on Flipkart, the cashback covers the fee, and Myntra shoppers gain the most from the 7.5% rate. If most of your online shopping happens outside these partners, a broader online-cashback card may give you more.
Before applying, check the current joining-fee offer, the welcome-benefit T&C for the app you apply from, and the partner list on sbicard.com, because SBI Card changes these through notices and offer documents.
Disclaimer
This article is for general information only and is not financial advice or a recommendation to apply for any card. finservdecode.com is not affiliated with SBI Cards and Payment Services Limited, Flipkart or Axis Bank and earns no commission from this page. Fees, cashback rates, caps, welcome benefits and eligibility are taken from SBI Card’s card page, T&C booklet, offer documents and MITC as checked on 27 October 2026 and can change without notice. Worked examples are illustrative, assume eligible non-EMI spends, and do not guarantee a particular return or card approval. Charts in this article are illustrative and are not official SBI Card documents. Please confirm the latest terms on sbicard.com before applying.