State Bank of India

SBI Flipkart Credit Card

Data last verified: 11 October 2026

ShoppingMASTERCARD

Joining fee₹500 + GST
Annual fee₹500 + GST
Reward rate1% on most spends; 7.5% only at partner merchants

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverOn ₹3,50,000 spend a year
Forex markup3.5%

This card is built for the Flipkart family. You earn 7.5% cashback on Myntra, 5% on Flipkart, Shopsy and Cleartrip, 4% with select partners, and 1% on other eligible spends. Each accelerated category has a monthly cap of about Rs 1,333 in cashback.

It costs ₹500 a year plus GST and the fee is waived once you spend ₹3,50,000 in the year. Even if you do not reach that, a few Flipkart or Myntra orders a year recover the Rs 500 easily. You also get a Rs 250 Flipkart voucher as a welcome benefit.

It suits people who already shop on Flipkart and Myntra and book travel on Cleartrip. The catch is that outside these brands the card is only 1%, and it offers no lounge access.

Best for: Regular Flipkart shoppers, Myntra fashion buyers, Cleartrip travel bookers.

01SBI Flipkart Credit Card Rewards and Benefits

Rewards rate: 1% on most spends; 7.5% only at partner merchants
Fee waived on: ₹3,50,000 spend a year
Reward redemption: Not published
Dining: 1% back (the normal rate)
Travel: 5% back only at Cleartrip; other travel: 1% back (the normal rate)
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02SBI Flipkart Credit Card Annual Fee and Charges

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST
Spend-based waiver: Annual fee waived on ₹3,50,000 spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: Not published
Fuel surcharge waiver: Yes
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 1%₹200
Back each month, ₹2,400 a year₹200
Annual fee with 18% GST−₹590
In your pocket each year₹1,810

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Online shopping only at Myntra: 7.5% back, up to ₹1,333 a month
Online shopping only at Flipkart, Shopsy & Flipkart Travel: 5% back, up to ₹1,333 a month
Spending ₹29,167 or more a month: the ₹590 fee is waived

Skip it if…

you spend less than ₹29,167 a month (₹3,50,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
most of your spending is fuel, rent, insurance or education: those earn nothing on this card
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you rarely spend on Myntra: the 7.5% rate applies only there, everything else earns 1%
you often pay in foreign currency: 3.5% is added to every foreign spend

04Product Details

₹500 joining and annual fee, waived at ₹3,50,000 yearly spend
7.5% cashback on Myntra
5% cashback on Flipkart, Shopsy and Cleartrip
4% cashback with select partner brands
1% cashback on other eligible spends
₹250 Flipkart voucher as a welcome gift
3.5% forex markup

05Pros and Cons

Pros

High cashback on popular shopping apps
Low ₹500 fee is easy to recover
Cashback, not points, so no redemption hassle

Cons

Each boosted category has a monthly cap
Only 1% outside partner brands
High ₹3,50,000 waiver target
No lounge access

06How SBI Flipkart Credit Card earns Rewards

1% on most spends; 7.5% only at partner merchants.

Earns nothing onFuelWallet loadsRentGovernmentEducationInsuranceOnline gamingEMICash withdrawalsJewelleryGift cards

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI
Online shopping	1%	No cap	Anywhere else in the category
Online shopping, only at listed merchants	7.5%	₹1,333	Only at: MyntraTerms: 7.5% cashback on Myntra, SBI's highest co-brand online rate, capped ₹4,000 per calendar quarter, a separate bucket from the Flipkart cap
Online shopping, only at listed merchants	5%	₹1,333	Only at: Flipkart, Shopsy & Flipkart TravelTerms: 5% cashback on Flipkart, including Shopsy and Flipkart Travel merchant IDs, capped ₹4,000 per calendar quarter in its own bucket
Dining and food delivery	1%	No cap	The card's normal rate
Groceries	1%	No cap	The card's normal rate
Travel: flights, hotels, trains	1%	No cap	Anywhere else in the category
Travel: flights, hotels, trains, only at listed merchants	5%	₹1,333	Only at: CleartripTerms: 5% cashback on Cleartrip flight & hotel bookings, capped ₹4,000/quarter (the earlier 12%-off Cleartrip deal was a limited promo, now expired)
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	1%	No cap	The card's normal rate
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	Earns nothing	-	earns nothing on this card
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	Earns nothing	-	earns nothing on this card
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	1%	No cap	The card's normal rate
Everything else	1%	No cap	The card's normal rate

Listed underShopping cards Cashback cards Travel cards

CardAdvisor tagsOnline shoppingTravelCashback

Terms on the base rate. 1% unlimited cashback on all other eligible spends. SBI also pays 4% at four select merchants capped ₹4,000/quarter, but does not publish which four, so we do not score it. Nothing under ₹100 earns

07SBI Flipkart Credit Card Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver.

Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps; max waiver ₹400 per statement cycle

08SBI Flipkart Credit Card Eligibility and Documents

Employment: Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

09Recent Changes

What State Bank of India changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
30 Jun 2026	Reduced: Flipkart-App acquisition offers endedSource: State Bank of India	₹250 e-gift voucher + ₹500 Flipkart e-gift card + ₹500 Cleartrip coupon (Flipkart App applications)	₹250 e-gift voucher only
26 Aug 2025	Changed: Flipkart SBI Card launchedSource: State Bank of India	-	-

See this card's change history → · All card changes in June 2026 →

10Cards Similar to SBI Flipkart Credit Card

SBI Flipkart Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	SBI Flipkart Credit Card	HSBC Live Plus Credit Card	SBI Cashback Credit Card
Joining fee	₹500 + GST	₹999 + GST	₹999 + GST
Annual fee	₹500 + GST	₹999 + GST	₹999 + GST
Rewards	1% on most spends; 7.5% only at partner merchants	1.5% base, up to 10% on dining	1% base, up to 5% on online shopping
Domestic lounge	Not included	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Shopping	Dining	Shopping

Compare with HSBC Live Plus Credit Card Compare with SBI Cashback Credit Card

11Explore More

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Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

Is the ₹500 fee waived?

Yes, once you spend ₹3,50,000 in a year. Below that the fee plus GST is charged.

How much cashback do I get on Flipkart?

5% on Flipkart, Shopsy and Cleartrip, and 7.5% on Myntra, subject to monthly caps.

Is there a limit on cashback?

Yes. Each accelerated category is capped at about ₹1,333 of cashback a month.

Does it give lounge access?

No, this card does not include airport lounge access.

What is the joining fee for the SBI Flipkart Credit Card?

The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the SBI Flipkart Credit Card?

The annual fee is ₹500 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

SBI Flipkart Credit CardJoining fee: ₹500 + GST

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