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Explore the Flipkart SBI Card, including its cashback structure, key benefits, applicable fees, and the step-by-step process to apply online.
Last updated on: Jul 08, 2026
The Flipkart SBI Card is designed for individuals who prefer cashback on everyday online spending. It offers 7.5% cashback on Myntra, 5% cashback on Flipkart and Cleartrip, and 4% cashback on select partner merchants, making it suitable for frequent shoppers across popular digital platforms.
In addition to partner benefits, cardholders can earn unlimited 1% cashback on all other eligible spends, providing value across a wide range of transactions. This guide covers the Flipkart SBI Card's cashback structure, fees, eligibility criteria, features, and application process in detail.
The Flipkart SBI Card offers a cashback-focused rewards structure across shopping, travel, and everyday spending categories. The table below highlights its key benefits and cashback offers.
| Benefit Category | Key Benefits | Value / Offer |
|---|---|---|
Welcome Benefits |
Joining benefits for new cardholders |
• ₹250 Flipkart Gift Card credited after joining fee realisation |
5% Cashback on Flipkart |
Cashback on Flipkart purchases |
Earn 5% cashback on eligible purchases made on Flipkart |
12% Off on Cleartrip |
Travel booking benefits |
Get up to 12% instant discount on eligible flight, hotel, and travel bookings through Cleartrip, subject to offer terms |
7.5% Cashback on Myntra |
Fashion and lifestyle shopping rewards |
Earn 7.5% cashback on eligible purchases made on Myntra |
4% Cashback on Preferred Merchants |
Rewards on partner merchant spends |
Earn 4% cashback on transactions made with select partner merchants as specified by the issuer |
1% Cashback on Other Spends |
Cashback on everyday transactions |
Enjoy unlimited 1% cashback on all other eligible retail spends, excluding restricted categories |
Fuel Surcharge Waiver |
Savings on fuel purchases |
Get a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹400 per statement cycle |
Disclaimer: Cashback rates, welcome benefits, merchant partnerships, and offer terms are subject to change at the issuer's discretion. Refer to the latest card terms and conditions for updated details.
The Flipkart SBI card follows a cashback model where earnings are automatically adjusted against the cardholder’s next statement.
| Spend Category | Cashback / Discount |
|---|---|
Flipkart |
5% cashback |
Myntra |
7.5% cashback |
Cleartrip |
Up to 12% instant discount + 5% cashback |
Preferred merchants |
4% cashback |
Other eligible spends |
1% cashback |
Cashback is credited monthly, helping users track savings more easily when compared to points‑based reward programs.
Reviewing Flipkart SBI card fees helps evaluate long‑term costs before applying.
| Fee Type | Amount |
|---|---|
Joining Fee |
₹500 + applicable taxes |
Annual Fee |
₹500 + applicable taxes |
Annual Fee Waiver |
Available on ₹3.5 lakh annual spends |
Finance Charges |
3.75% per month (45% p.a.) |
Cash Advance Fee |
2.5% or ₹500, whichever is higher |
Card Replacement |
₹100 |
Disclaimer: The details mentioned are subject to issuer’s discretion.
The Flipkart SBI card can be applied for online through a structured, paperless process on Bajaj Markets.
The steps given below outline how the application typically works:
Search for the Flipkart SBI Card on Bajaj Markets: Visit Bajaj Markets and locate the Flipkart SBI Card listing to view key features, fees, and eligibility details.
Review eligibility and fee information: Check age, income, credit profile requirements, and applicable joining or annual charges before proceeding.
Complete the online application form: Enter personal, employment, and income details as requested in the digital form.
Upload documents and complete verification: Submit required documents online and verify contact details through OTP authentication.
Submit the application for review: After submission, the application is forwarded to SBI for verification and approval assessment.
This digital process removes the requirement for physical documentation or branch visits, while final approval remains subject to internal checks.
Applicants are assessed based on the issuer's eligibility requirements, credit evaluation process, and document verification. The table below outlines the commonly applicable eligibility parameters for the Flipkart SBI Card.
| Eligibility Parameter | Requirement |
|---|---|
Age Criteria |
Applicants are generally required to be between 21 and 70 years of age at the time of application. |
Credit Profile |
A credit score of around 700 or above is commonly considered favourable during the assessment process. |
Income Source |
Applicants should have a regular source of income, whether salaried or self-employed. |
Employment Status |
Both salaried professionals and self-employed individuals may apply, subject to eligibility requirements. |
Residential Status |
Only resident Indian individuals are eligible to apply for the card. |
Document Verification |
Identity, address, income, and other supporting documents may be required during the application process. |
Final Approval |
Meeting the stated criteria does not guarantee approval. The final decision is subject to the issuer's internal credit assessment and verification process. |
Disclaimer: Eligibility requirements may change from time to time. Card issuance remains subject to the issuer's approval policies, credit evaluation, and document verification.
Using the Flipkart SBI card strategically can help cardholders derive consistent cashback value over time.
Platform‑focused usage: Spending on Flipkart and Myntra helps users access higher cashback slabs available on these platforms.
Travel bookings: Cleartrip transactions during eligible periods allow cardholders to benefit from applicable discounts and cashback.
Merchant tracking: Monitoring the list of preferred merchants helps ensure spends are routed through eligible categories.
Spend exclusions: Avoiding categories that are excluded from cashback ensures spending remains aligned with reward eligibility.
Repayment discipline: Paying dues in full and on time prevents finance charges, ensuring cashback benefits are not offset by interest costs.
These usage habits help maintain predictable value from the Flipkart SBI card without relying on complex reward structures.
Reviewer
Ans: The Flipkart SBI card provides cashback on eligible spends made on Flipkart, Myntra, Cleartrip, selected partner merchants, and other transactions, with cashback rates varying by category and applicable terms.
Ans: The card carries a ₹500 joining fee and ₹500 annual fee, with the annual fee eligible for waiver on achieving the prescribed yearly spend threshold set by SBI.
Ans: Applications can be completed digitally through Bajaj Markets by filling out the form, uploading documents, completing OTP verification, and submitting the request for SBI’s review.
Ans: Applicants are generally required to meet age criteria, have a stable income source, and maintain a suitable credit score, with final approval subject to verification.
Ans: The card is more aligned with individuals who frequently shop on Flipkart or Myntra, or regularly use Cleartrip for travel bookings.
Ans: Maximising rewards involves prioritising eligible partner platforms, keeping track of applicable offers, and maintaining timely repayment of statement dues.
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