Learn how the Flipkart SBI Card offers exclusive rewards, discounts, and easy application steps to maximise your shopping benefits.
Last updated on: January 21, 2026
The Flipkart SBI Card is a powerful financial companion designed to turn every transaction into a saving opportunity. Seamlessly blending convenience with high-value rewards, it is the ideal choice for the modern digital shopper.
The Flipkart SBI Card offers a variety of features that make everyday shopping and spending easier, more rewarding, and more convenient:
Get a ₹250 Flipkart Gift Card within 60 days after paying the joining fee, which remains valid for one year.
Enjoy 5% cashback on purchases made on Flipkart.
You can enjoy a 7% instant discount plus 5% cashback on domestic and international flights, 20% instant discount plus 5% cashback on hotel bookings, and 10% instant discount plus 5% cashback on bus bookings with Cleartrip.
Earn 7.5% cashback on shopping through Myntra.
Earn 1% cashback on all other eligible purchases, excluding select categories like fuel, education, and gaming.
Get 4% cashback on purchases from preferred/select merchants.
The annual fee of ₹500 will be waived if your total spending in the previous membership year exceeds ₹3.5 Lakhs.
Receive a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000, up to ₹400 per statement cycle.
Make quick, secure payments with contactless transactions, reducing the risk of card loss or fraud.
Withdraw cash from over 1 million ATMs worldwide for easy access to funds.
Empower up to three family members (18 years or older) with add-on cards, making it easier to manage family expenses.
Pay utility bills like electricity, telephone, and mobile using your Flipkart SBI Card with the Easy Bill Pay facility.
Convert purchases of ₹2,500 or more into easy monthly instalments using Flexipay.
Transfer balances from other credit cards to your Flipkart SBI Card at a lower interest rate and pay in manageable EMIs.
The Flipkart SBI Card offers a wide range of rewards and discounts, making every transaction more rewarding for cardholders:
Welcome Gift: ₹250 Flipkart Voucher upon joining fee payment
Activation Bonus: ₹1,000 in benefits on your first Flipkart purchase within 30 days
Flipkart & Myntra: 5% cashback on Flipkart and 7.5% cashback on Myntra
Cleartrip Travel: Up to 20% instant discount plus an additional 5% cashback on flights, hotels, and buses
Preferred Merchants: 4% cashback on transactions with select partner brands
Everyday Spends: 1% cashback on all other eligible purchases
Fuel Waiver: 1% surcharge waiver (spends: ₹500–₹4,000; max: ₹400/cycle)
Fee Reversal: ₹500 annual fee waived if yearly spends reach ₹3.5 Lakhs
The Flipkart SBI credit card features straightforward and easy-to-understand fees, ensuring transparency for users. While it offers several benefits, it’s important to be aware of the fees associated with using the card, so you can make the most of its features without any surprises. Here is a breakdown of the key fees, including the Flipkart SBI credit card charges:
| Fee Type | Amount |
|---|---|
Annual Renewal Fee |
₹500 (reversed if annual spends exceed ₹3.5 lakh) |
Joining Fee |
₹500 (one-time payment) |
Finance Charges |
3.75% per month (45% annually) |
Cash Advance Fee |
2.5% of the amount (minimum ₹500) |
Fuel Surcharge Waiver |
1% on ₹500–₹4,000 fuel transactions (maximum ₹400 per statement cycle) |
Card Replacement Fee |
₹ 100 |
The Flipkart SBI Card offers a range of promotions and discounts to help you save more on your purchases throughout the year:
Enjoy exclusive access to sales during events like Flipkart Big Billion Days and Myntra End-of-Season Sales
Receive instant discounts on select partner websites and restaurants
Benefit from seasonal cashback offers on categories like electronics, travel, and lifestyle purchases
Stay updated with the latest deals and offers via the Flipkart app or the SBI Card website to make the most of your card’s benefits
Applying for the Flipkart SBI Card online on Bajaj Markets is a simple and fast process; follow these steps:
Click on ‘Check Card Offer’ and provide the necessary details, such as your phone number, date of birth, and occupation
Enter the One-Time Password (OTP) sent to your phone
Review the automatically filled information, such as your PAN card number, email address, residential PIN code, and income details
Choose the card that best suits your needs from the available options
Click on ‘Submit’ to complete your application
To apply for the Flipkart SBI Card, you must meet the following basic eligibility criteria:
You should have a good credit score, typically above 700
You must have a regular source of income, whether you are salaried or self-employed
Your monthly income should meet the minimum requirement set by SBI Card, which may vary depending on the type of application
You must be at least 21 years old at the time of application
The maximum age for eligibility is 70 years
You must be an Indian resident to apply for the card
The rewards you earn with your Flipkart SBI Card are based on the type of transaction and the categories of your purchases. Typically, higher cashback rates are offered for purchases made on Flipkart and Myntra, as these are the primary platforms partnered with the card.
For other eligible spends, you earn standard rewards or cashback, although certain categories such as fuel, cash withdrawals, and EMI conversions may not earn rewards.
Your monthly statement will clearly show the cashback or rewards credited to your account, allowing you to track your earnings. The more you spend on eligible categories, the more rewards you can accumulate over time, making it easier to benefit from your purchases.
To make the most of your SBI credit card and its rewards programme, follow these simple tips:
Use your Flipkart SBI Card for all purchases on Flipkart and Myntra to earn the highest cashback and rewards
Pay your bill in full and on time to avoid finance charges and ensure your rewards remain unaffected
Keep track of special promotional offers and use your card during sale events to maximise cashback
Shop from preferred merchants listed by SBI Cards to enjoy additional cashback on selected categories
Use your Flipkart SBI Card for everyday expenses like fuel, groceries, and dining to accumulate steady rewards
Take advantage of seasonal cashback deals on electronics, travel, and lifestyle purchases
Make large purchases in EMIs to convert them into manageable payments without missing out on reward points
Regularly check for exclusive deals available through your Flipkart SBI Card on partner platforms like Cleartrip
Use the card for utility bill payments to earn cashback on every monthly payment
Reviewer
The Flipkart SBI Card offers 5% cashback on Flipkart and Myntra, 7.5% cashback on Myntra, and 4% cashback at select merchants. Additionally, enjoy exclusive discounts during sales like Big Billion Days and Myntra End-of-Season Sales, making it ideal for frequent shoppers.
The Flipkart SBI Card has a joining fee of ₹500 and an annual renewal fee of ₹500, which can be waived if you spend ₹3.5 lakh or more annually. Additional charges include a 2.5% fee on cash advances (minimum ₹500) and 3.75% finance charges per month (45% annually).
Yes, the Flipkart SBI Card offers seasonal cashback deals, exclusive discounts on partner platforms like Cleartrip, and special offers during Flipkart's sales events, helping you save more on travel, electronics, and other categories.
To apply for the Flipkart SBI Card online, visit Bajaj Markets and click the ‘Check Card Offer’ button located at the top right corner of the page. Enter your personal details, verify your identity using the OTP sent to your registered mobile number, and submit your application for approval. The entire process is quick, digital, and paperless, ensuring you gain easy and convenient access to the card without lengthy documentation.
To apply for the Flipkart SBI Card, you must be an Indian resident, aged between 21 to 70 years, with a good credit score (usually above 700) and a stable income (salaried or self-employed).
Rewards are calculated based on your spending category. Higher rewards are offered on purchases made at Flipkart, Myntra, and preferred merchants, while standard cashback applies to other eligible spends. Categories like fuel and EMI are typically excluded.
The Flipkart SBI Card stands out for its exclusive rewards on Flipkart and Myntra purchases, cashback on select merchants, and special discounts during sales. It is more suited for online shoppers compared to other general SBI credit cards.
To maximise rewards, use your card for Flipkart and Myntra purchases, take advantage of seasonal offers, pay your bills on time to avoid late payment fees, and shop at preferred merchant outlets to earn additional cashback and rewards.