The SBI Flipkart Credit Card is a cashback card for India’s biggest shopping ecosystem. It pays 5% on Flipkart, 7.5% on Myntra and 12% on Cleartrip, plus 4% on Zomato, Uber, Netmeds and PVR and 1% on almost everything else. Until 31 October 2026, the first year is also free.
How the cashback works
| Where you spend | Cashback | Cap |
|---|---|---|
| Cleartrip | 12% | ₹4,000 a quarter |
| Myntra | 7.5% | ₹4,000 a quarter |
| Flipkart, Shopsy, Flipkart Travel | 5% | ₹4,000 a quarter |
| Zomato, Uber, Netmeds, PVR | 4% | ₹4,000 a quarter |
| All other eligible retail spends | 1% | Unlimited |
Limited-time offer: the joining fee is nil (first year free) for applications until 31 October 2026. From the second year the annual fee is ₹500 + GST.
What you would actually earn
Say you spend ₹6,000 a month on Flipkart, ₹2,000 on Myntra, ₹3,000 on Zomato and Uber and ₹10,000 elsewhere. That is ₹300 + ₹150 + ₹120 + ₹100 = ₹670 a month, or about ₹8,000 a year, all well under the quarterly caps.
The ₹4,000 quarterly cap on Flipkart is reached at about ₹26,700 of Flipkart spending a month, so only very heavy shoppers will hit it. Big-ticket purchases during sales are where that cap can matter.
Welcome benefits
- A ₹250 Flipkart gift card after the joining fee is paid.
- First-spend bonuses worth ₹1,000+, as per ongoing offers.
Making the most of it
- Book flights and hotels through Cleartrip to collect 12% cashback.
- Use the card for Zomato, Uber, Netmeds and PVR to earn 4% instead of 1%.
- Track the quarterly caps during big sales, when a single purchase can use up a large share.
Fees and charges
| Joining fee | Free (first year free till 31 Oct 2026) |
|---|---|
| Annual fee | ₹500 + GST |
| Annual fee waiver | Spend more than ₹3,50,000 in a year |
| Fuel surcharge | 1% waiver on ₹500–₹4,000 transactions, up to ₹400 |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Minimum income | ₹30,000 a month |
| Credit score | 720 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on SBI Card site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you shop on Flipkart or Myntra every month, order food or book cabs often, and want simple cashback rather than points.
Skip it if you shop mostly on Amazon or in physical stores. Outside its partners the card pays 1%, and the ₹3.5 lakh fee waiver is hard to reach for moderate spenders.
