Verified — 16/16 categories
SBI · Visa
Flipkart SBI Card
Best forShopping
Earns7.5% cashback on shopping — only at Myntra
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
₹500 + taxes
charged every year for Flipkart SBI Card
Fee waiver
₹3,50,000
annual spend
Network
Visa
SBI
Flipkart SBI Card
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on shopping, where it earns 7.5% cashback (only at Myntra)
- Annual fee is waived at ₹3,50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
ShoppingOnly at Myntra7.5% cashback
ShoppingOnly at Flipkart / Shopsy5% cashback
TravelOnly at Flipkart Travel5% cashback
TravelOnly at Cleartrip5% cashback
ShoppingOnly at select preferred partners incl. Netmeds, PVR, Zomato, Uber4% cashback
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | No cashback (0%) on payments towards rent / property management (MCC 6513, 7349): explicit exclusion in the Flipkart SBI Card Card Cashback T&C, Section 11.1(d) and the reward tableDetails
|
| Education | No cashback | — | —Details
|
| Insurance | No cashback | — | —Details
|
| Utilities | 1% cashback | — | 1% unlimited base cashback on all other eligible spends: utility payments are not among the zero-cashback categories anywhere in the Flipkart SBI Card Card Cashback T&CDetails
|
| Fuel | Not eligible | — | No cashback (0%) on any purchase at petrol pumps / service stations (MCC 5172, 5541, 5542, 5983): explicit exclusion in the Flipkart SBI Card Card Cashback T&CDetails
|
| Groceries | 1% cashback | — | 1% unlimited base cashback on all other eligible spends (Flipkart SBI Card Card Cashback T&C reward table)Details
|
| Dining | 1% cashback | — | 1% unlimited base cashback on all other eligible spends (Flipkart SBI Card Card Cashback T&C reward table)Details
|
| Food Delivery | 1% cashback | — | 4% at the select preferred partner Zomato (brand-scopedDetails
|
| Shopping | 1% cashback | — | 5% at Flipkart / Shopsy MIDs and 7.5% at Myntra MIDs (brand-scoped), and 4% at the select preferred partners Netmeds and PVR (brand-scopedDetails
|
| Travel | 1% cashback | — | 5% at Flipkart Travel and Cleartrip MIDs and 4% at the select preferred partner Uber (brand-scoped), each group with its own ₹4,000 cashback limit per cap period of three billing cycles (Flipkart Travel shares the Flipkart / Shopsy bucketDetails
|
| Government | No cashback | — | —Details
|
| Wallet | No cashback | — | —Details
|
| Railways | 1% cashback | — | 1% unlimited base cashback on all other eligible spends: railway bookings are not among the zero-cashback categories anywhere in the Flipkart SBI Card Card Cashback T&CDetails
|
| FASTag | No reward | — | —Details
|
| Jewellery | No cashback | — | —Details
|
| Telecom | 1% cashback | — | 1% unlimited base cashback on all other eligible spends: mobile / broadband recharges are not among the zero-cashback categories anywhere in the Flipkart SBI Card Card Cashback T&CDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
₹500 + taxes
charged every year for Flipkart SBI Card
Fee waiver
₹3,50,000
annual spend
Reward caps
- Flipkart MIDs (including Shopsy and Flipkart Travel) — ₹4,000 / three billing cycles (shared cap — Flipkart MIDs (including Shopsy and Flipkart Travel))
- Cleartrip MIDs — ₹4,000 / three billing cycles (per category — Cleartrip MIDs)
- Myntra MIDs — ₹4,000 / three billing cycles (per category — Myntra MIDs)
- Select preferred partners: Netmeds, PVR, Uber, Zomato (4% cashback) — ₹4,000 / three billing cycles (per category — Select preferred partners: Netmeds, PVR, Uber, Zomato (4% cashback))
Spending thresholds
- Spend ₹3,50,000 per card year → annual fee waived
Key benefits
Rewards
7.5% cashback on shopping (only at Myntra)
Fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions up to ₹4,000, maximum waiver ₹400 in a statement cycle
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (Flipkart SBI Card)
Milestone benefit
Welcome benefit: an eligible customer receives a Flipkart e-Gift Voucher of ₹250 within 60 days of fee realization, with an expiry of 1 year
Fee waiver
Annual fee waived on ₹3,50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Flipkart MIDs (including Shopsy and Flipkart Travel) rewards are capped at ₹4,000 / three billing cycles (shared cap — Flipkart MIDs (including Shopsy and Flipkart Travel))
- Cleartrip MIDs rewards are capped at ₹4,000 / three billing cycles (per category — Cleartrip MIDs)
- No reward on: FASTag
- No cashback on: Education, Insurance, Government, Wallet +1 more
- Not eligible: Rent, Fuel
- Spend ₹3,50,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in shopping, travel
- You can reach the ₹3,50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 4 caps · 8 no-reward categories
Caps
- Flipkart MIDs (including Shopsy and Flipkart Travel) — ₹4,000 / three billing cycles (shared cap — Flipkart MIDs (including Shopsy and Flipkart Travel))
- Cleartrip MIDs — ₹4,000 / three billing cycles (per category — Cleartrip MIDs)
- Myntra MIDs — ₹4,000 / three billing cycles (per category — Myntra MIDs)
- Select preferred partners: Netmeds, PVR, Uber, Zomato (4% cashback) — ₹4,000 / three billing cycles (per category — Select preferred partners: Netmeds, PVR, Uber, Zomato (4% cashback))
Categories with no reward or not eligible
- Rent — Not eligible. No cashback (0%) on payments towards rent / property management (MCC 6513, 7349): explicit exclusion in the Flipkart SBI Card Card Cashback T&C, Section 11.1(d) and the reward table.
- Education — No cashback.
- Insurance — No cashback.
- Fuel — Not eligible. No cashback (0%) on any purchase at petrol pumps / service stations (MCC 5172, 5541, 5542, 5983): explicit exclusion in the Flipkart SBI Card Card Cashback T&C.
- Government — No cashback.
- Wallet — No cashback.
- FASTag — No reward.
- Jewellery — No cashback.
Milestones · 2 recorded
- Spend ₹3,50,000 per card year → benefit worth ₹500 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.3.5 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
- Milestone → benefit worth ₹250 — Welcome benefit: an eligible customer receives a Flipkart e-Gift Voucher of ₹250 within 60 days of fee realization, with an expiry of 1 year. The T&C does not define "eligible customer". Informational: not counted in the engine net value (no spend threshold). Source: Flipkart SBI Credit Card - Card Cashback Program Terms & Conditions (Flipkart T&C Booklet, Part 1), Section 11.1 Welcome Benefit Program (page 34).
Eligibility
Bank eligibility / internal underwriting
Specifications
- Payment network: Visa
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions up to ₹4,000, maximum waiver ₹400 in a statement cycle. This is a surcharge waiver, not cashback: fuel spends earn 0% cashback.
- Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (Flipkart SBI Card). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹500 plus applicable taxes, charged every year for Flipkart SBI Card
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 1 area
1 area needs further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-10-11
Verification coverage: All 16 categories verified
Card record last checked: 2026-10-11
Official product page: https://www.sbicard.com/en/personal/sbi-credit-card.page
Documents used
Flipkart SBI Credit Card - Card Cashback Program Terms & Conditions · SBI-FLIPKART-TNC-2026 · 2026-10-10
Preferred Partners for Flipkart SBI Credit Card · SBI-FLIPKART-PREFERRED-PARTNERS-2026 · 2026-10-11
Manual Admin correction - C002 Flipkart SBI Card FASTag · SRC-C002-FASTAG · 2026-10-10
SBI MITC · SBI MITC
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08