Online shopping has become a way of life for millions of Indians. Whether it’s fashion, electronics, or daily essentials, platforms like Flipkart, Myntra, and Cleartrip have made it easier than ever to shop and save. But what if you could get extra cashback, rewards, and exclusive offers every time you spend?
That’s exactly what the Flipkart SBI Credit Card offers. A co-branded card by SBI Card and Flipkart, this credit card is designed for online shoppers who want maximum value on their spends. In this blog, we’ll explore its benefits, features, charges, late fees, eligibility criteria, how to apply, and who should get it.
Key Features & Benefits of Flipkart SBI Credit Card
The Flipkart SBI Credit Card packs a strong lineup of benefits for frequent online shoppers.
🎁 Welcome Benefits
- ₹250 Flipkart Gift Card shared over registered email ID/mobile number within 60 days of joining fee realization.
- Additional benefits worth ₹1,000 on your first Flipkart transaction within 30 days of card approval.
- Flipkart Gift Card validity: 1 year from date of issuance.
💸 Cashback Rewards
- 5% Cashback on Flipkart and Cleartrip.
- 7.5% Cashback on Myntra.
- 4% Cashback on preferred/select merchants.
- 1% Cashback on all other eligible spends.
👉 Cashback is not applicable on Merchant EMI, Flexipay EMI, fuel, rental, government payments, jewelry, insurance, schools/education, gaming, wallets, and EMI spends on Flipkart, Myntra, Cleartrip.
⛽ Fuel Surcharge Waiver
- 1% fuel surcharge waiver across petrol pumps in India.
- Valid on transactions between ₹500 and ₹4,000.
- Maximum waiver: ₹400 per statement cycle.
💳 Contactless Advantage
- Just tap your card at a secure reader to pay.
- No need to hand over your card or enter PIN for small-ticket purchases.
- Built-in VISA PayWave security ensures only one transaction goes through even if tapped multiple times.
🌍 Global Usage & Cash Access
- Withdraw cash from over 1 million ATMs worldwide.
- Accepted globally at millions of merchants.
👨👩👧👦 Add-On Cards
- Get up to 3 add-on cards for family members (above 18 years).
📑 Other Features
- Utility bill payments via Easy Bill Pay facility.
- Flexipay: Convert purchases above ₹2,500 into EMIs within 30 days.
- Balance transfer on EMI: Transfer outstanding balance from other cards at lower interest and repay in EMIs.
ALSO READ: Amazon Pay ICICI Credit Card
Charges & Fees of Flipkart SBI Credit Card
| Fee Type | Amount/Details |
| Joining Fee (One-time) | ₹500 + Taxes |
| Renewal Fee (Per Annum) | ₹500 from 2nd year onwards |
| Renewal Fee Waiver | Waived on spends of ₹3.5 lakh in previous year |
| Interest Rate (APR) | Up to 3.35% per month (40.2% per annum) |
| Cash Advance Fee | 2.5% of amount (min ₹500) |
| Foreign Transaction Fee | 3.5% of transaction amount |
| Card Replacement Fee | ₹100 |
| Over-limit Charges | 2.5% of over-limit amount (min ₹600) |
Late Payment Charges
SBI Card has a slab-based late fee structure for Flipkart SBI Credit Card:
- NIL for total amount due < ₹500
- ₹400 for total amount due between ₹500 – ₹1,000
- ₹750 for total amount due between ₹1,000 – ₹10,000
- ₹950 for total amount due between ₹10,000 – ₹25,000
- ₹1,100 for total amount due between ₹25,000 – ₹50,000
- ₹1,300 for total amount due above ₹50,000
ALSO READ: What is credit card?
Eligibility Criteria
To apply for a Flipkart SBI Credit Card, you need to meet the following conditions:
- Age: Minimum 21 years (for primary cardholder), 18 years (for add-on cardholders).
- Income: Stable income (salaried or self-employed).
- Credit Score: Good credit history preferred (CIBIL score 700+ recommended).
- Residency: Indian resident with valid ID & address proof.
Documents Required
- Identity Proof: Aadhaar, PAN, Passport, Voter ID, Driving License.
- Address Proof: Utility bill, Aadhaar, Passport.
- Income Proof: Salary slip, bank statement, ITR.
- Photograph: Passport-size.
How to Apply for Flipkart SBI Credit Card
Applying is simple and can be done online or offline.
🖥️ Online Application
- Visit SBI Card Website or Flipkart app.
- Select Flipkart SBI Credit Card.
- Fill in personal, professional, and income details.
- Upload documents for KYC verification.
- Complete mobile/email OTP verification.
- If eligible, you’ll get instant approval.
🏦 Offline Application
- Visit the nearest SBI branch.
- Submit the filled application form along with documents.
- Bank officials will process and approve your request.
ALSO READ: Top 10 lifetime free credit card in India 2025
Who Should Get the Flipkart SBI Credit Card?
This card is best suited for:
- Frequent Flipkart, Myntra & Cleartrip shoppers who want maximum cashback.
- Young professionals & students (with income proof) who prefer online shopping.
- Budget-conscious buyers who want value in the form of cashback instead of points.
- Families looking for add-on cards for shared spending.
👉 However, if you rarely shop online or want premium lifestyle/travel benefits, you might be better off with other cards.
Comparison with Other Shopping Cards
| Card Name | Key Benefit | Best For |
| Flipkart SBI Credit Card | 5% Cashback on Flipkart, 7.5% on Myntra | Flipkart/Myntra/online shoppers |
| Amazon Pay ICICI Credit Card | 5% Cashback on Amazon, 2% on partners | Amazon loyalists |
| Axis Bank Flipkart Card | Cashback on Flipkart + partner merchants | Broader online shopping |
Conclusion
The Flipkart SBI Credit Card is one of the best co-branded shopping cards in India. With welcome benefits, up to 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, annual fee waiver, fuel surcharge waiver, and global acceptance, it’s a must-have for online shoppers.
If you frequently shop on Flipkart, Myntra, or Cleartrip, this card can help you save significantly on your monthly expenses.
👉 Apply Now for the Flipkart SBI Credit Card and start enjoying instant cashback, rewards, and exclusive Flipkart offers.
