The Flipkart SBI Credit Card is an entry-level co-branded credit card issued by SBI Card in partnership with Flipkart. It runs on the Visa and Mastercard networks with contactless payment technology.

• 5% cashback on Flipkart and Cleartrip purchases
• 7.5% cashback on Myntra purchases
• 4% cashback on select merchants including Netmeds, Uber, Zomato, and PVR
• 1% unlimited cashback on all other eligible spends
• Contactless tap-to-pay functionality
• Low annual fee of Rs. 500, waivable at Rs. 3.5 lakh annual spend

Earn 5% cashback on all purchases made on Flipkart, subject to a quarterly cashback cap of Rs. 4,000. This makes it ideal for regular Flipkart shoppers looking to save on electronics, fashion, home goods, and more.

Myntra Cashback

The card offers an industry-leading 7.5% cashback on Myntra purchases, also with a quarterly cap of Rs. 4,000. This is particularly attractive for fashion enthusiasts who shop regularly on Myntra.

Cleartrip Travel Benefits

Enjoy 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 through Cleartrip. The combined Cleartrip cashback is capped at Rs. 4,000 per quarter.

Select Merchant Cashback

Get 4% cashback at select partner merchants including Netmeds (medicines), Uber (rides), Zomato (food delivery), and PVR (movies). Each has a combined quarterly cap of Rs. 4,000.

Base Cashback

All other eligible spends earn 1% unlimited cashback with no monthly or quarterly cap, making this card useful even for everyday non-partner transactions.

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions from Rs. 500 to Rs. 4,000 at all petrol pumps in India. Maximum waiver of Rs. 400 per statement cycle.

• Flipkart e-Gift Voucher worth Rs. 250 within 60 days of joining fee realization, valid for 1 year
• Additional benefits worth Rs. 1,000 on the first transaction on Flipkart within 30 days of card approval

Annual Fee Waiver

• The renewal fee of Rs. 500 is reversed if you spend Rs. 3.5 lakh or more in the preceding membership year

Note: The welcome vouchers effectively offset the joining fee, making this card almost free to start with.

The Flipkart SBI Card does not offer any complimentary airport lounge access. This is an entry-level cashback card focused on online shopping rewards. For lounge access benefits, consider upgrading to premium SBI cards such as SBI Card Elite or SBI Card Prime.

The Flipkart SBI Card uses a direct cashback model where cashback is earned as a percentage of your spend and automatically credited to your card account.

How Cashback is Credited

Cashback is automatically credited to your SBI Card account within 15 days after the statement cycle. No manual redemption is required. Minimum transaction of Rs. 100 is needed to qualify for cashback.

Exclusions

Cashback is not applicable on fuel, rentals, government payments, jewellery, insurance, education, gaming, wallet loads, gift card purchases, EMI transactions, railways, and utility payments.

• Indian resident
• Age: 21 to 70 years
• Stable income (salaried or self-employed)
• CIBIL score of 700 or above recommended

Income Requirements

• Minimum annual income of approximately Rs. 3 lakh (salaried)
• Self-employed individuals with regular income sources are also eligible

Documents Required

• Identity Proof: Aadhaar Card, Passport, PAN Card, or any government-issued ID
• Address Proof: Aadhaar Card, utility bills, or other valid address documents
• Income Proof: Salary slips (last 3 months), bank statements, Form 16, or ITR

• Aadhaar Card
• Passport
• PAN Card
• Any government-issued photo ID

Address Proof (Any One)

• Aadhaar Card
• PAN Card
• Utility bills (electricity, telephone, mobile)
• Passport
• Any valid address document

Income Proof (Any One)

• Salary slips (last 3 months)
• Recent bank statements
• Form 16
• Income Tax Return (ITR)

1. Visit the official SBI Card website at sbicard.com
2. Navigate to the Flipkart SBI Card page
3. Click "Apply Now" and fill in your personal and professional details
4. Complete the e-KYC process digitally
5. Upload required documents (identity, address, and income proof)
6. Await approval, which may include a video KYC verification

Via Flipkart App

1. Open the Flipkart mobile app
2. Look for the credit card offer during checkout or in the payments section
3. Follow the in-app application process
4. Complete verification as guided

Offline Application

You can also apply through SBI Card authorized agents or at select bank branches by submitting a filled application form along with required documents.

The Flipkart SBI Card is a well-designed entry-level cashback credit card that delivers genuine value for Flipkart and Myntra loyalists. The 7.5% Myntra cashback is among the highest available for that platform, and the 5% Flipkart cashback competes directly with its Axis Bank counterpart.

For a modest Rs. 500 annual fee that is easily waivable, the card provides meaningful savings across online shopping, food delivery, rides, and entertainment. The quarterly caps of Rs. 4,000 per category mean you can earn up to Rs. 16,000 in accelerated cashback per quarter, plus unlimited 1% on everything else. This makes it best suited for moderate-to-regular online shoppers who want straightforward cashback without the complexity of reward points systems.