The Flipkart SBI Card is a co-branded credit card from SBI Card and Flipkart, designed primarily for avid online shoppers on Flipkart and its associated platforms like Myntra, Cleartrip, and Shopsy. It offers a range of cashback benefits, welcome gifts, and other useful features tailored to enhance the shopping experience.
Here is a detailed summarizing the key features and benefits of the Flipkart SBI Card for easy comparison and understanding:
| Feature/Benefit | Details |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (waived if annual spend exceeds ₹3.5 lakh) |
| Welcome Benefit | Gift vouchers worth ₹1,250 (Flipkart ₹250 + Flipkart ₹500 + Cleartrip ₹500) till Dec 31, 2025 |
| Cashback on Myntra | 7.5% cashback, quarterly cap ₹4,000 |
| Cashback on Flipkart & Cleartrip | 5% cashback, quarterly cap ₹4,000 |
| Cashback on Partners (Zomato, Uber, Netmeds, PVR) | 4% cashback, quarterly cap ₹4,000 |
| Cashback on Other Eligible Spends | 1% unlimited cashback |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹500 and ₹4,000 |
| Auto-credit of Cashback | Cashback credited automatically within 2 days of statement generation |
| Card Network | Mastercard and Visa |
| Contactless Payment | Available |
| Balance Transfer Facility | Available |
| EMI/Flexipay Facility | Available |
| Airport Lounge Access | Not available |
| Reward Redemption | Cashback credited as statement credit |
| Foreign Currency Markup | 3.5% |
| Cash Advance Charges | 2.5% or ₹500 whichever is higher, plus interest |
| Minimum Transaction for Cashback | ₹100 |
| Cashback Exclusions | EMI, Flexipay, fuel, rentals, govt. payments, jewellery, insurance, education, wallets |
| Best Suited For | Frequent Flipkart, Myntra, Cleartrip shoppers wanting high cashback |
Cashback Rewards
- The card gives up to 7.5% cashback on Myntra purchases, with a quarterly cap of ₹4,000
- Users earn 5% cashback on Flipkart, Shopsy, Cleartrip, including various categories such as mobile phones, electronics, groceries, fashion, furniture, home appliances, and travel bookings, also capped at ₹4,000 per quarter.
- 4% cashback is available on select partner spends including Zomato, Uber, Netmeds, and PVR, capped at ₹4,000 quarterly.
- 1% unlimited cashback is offered on all other eligible spends.
Fee Structure and Welcome Benefits
- The card has a joining and annual fee of ₹500 plus taxes.
- The annual fee is waived if the cardholder spends ₹3.5 lakh or more in a year
- New users get welcome benefits worth ₹1,250 in Flipkart and Cleartrip vouchers when they apply and get approved, especially if applied via the Flipkart app.
- Fuel surcharge waiver of 1% applies on fuel transactions between ₹500 and ₹4,000, providing savings on petrol/diesel purchases.Scapia Federal Credit Card — Travel, UPI & Rewards United
Additional Features
- Easy Bill Pay facility allows automatic payment of utility bills including electricity, insurance, and telephone bills so they are never missed.
- Balance Transfer option with low interest rates is available for transferring balances from other credit cards to save on interest
- Flexipay EMI facility enables converting purchases into easy monthly installments at a low-interest rate.
- The card is contactless enabled and accepted worldwide on Mastercard and Visa networks.
- Auto-credit facility ensures cashback is credited automatically to the card account within two days of statement generation.
Ideal For
- Those who prefer simple cashback rewards with straightforward redemption
- Individuals who want additional convenience features like automatic bill payments and balance transfers.
- Customers who shop on Cleartrip and use partner services like Zomato, Uber, Netmeds, and PVR.
- Frequent Flipkart and Myntra shoppers looking for maximum cashback benefits
Card Limitations
No lounge access or premium travel benefits.- Not available on RuPay, so cannot be used for UPI payments.Avoid Credit Card Debt
Annual fee charges apply unless waived by spending criteria.This card can significantly enhance your online shopping savings by rewarding purchases across popular platforms and daily essentials with flexible payments and automatic cashback crediting, making it a strong contender for those who frequently shop within the Flipkart ecosystem.