SBI Card
Classic · Flipkart
Flipkart SBI Credit Card
SBI Card
Earn 5% cashback on Flipkart and Cleartrip, 7.5% on Myntra
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹5,410
Total Annual Benefits
₹6,000
Total Annual Charges
₹590
ROI
917%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (3)
7.5% Cashback on Myntra
Earn 7.5% cashback as Flipkart vouchers on Myntra spends
- • Credited as Flipkart vouchers
- • Valid on Myntra app and website
7.5% cashback
5% Cashback on Flipkart & Cleartrip
Earn 5% cashback as Flipkart vouchers on Flipkart and Cleartrip spends
- • Credited as Flipkart vouchers
- • Valid on Flipkart and Cleartrip
5% cashback
4% Cashback on Partner Merchants
Earn 4% cashback as Flipkart vouchers at select partner merchants
- • Select partner merchants only
- • Credited as Flipkart vouchers
4% cashback
Reward Points (1)
1% Cashback on All Other Spends
Earn 1% cashback as Flipkart vouchers on all other retail spends
- • Credited as Flipkart vouchers
1% cashback
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Flipkart Vouchers
1% cashback (7.5% Myntra, 5% Flipkart/Cleartrip, 4% partners)
Effective cashback: 1.00%
Points expire: 1 year from date of accrual
Redemption Options
- → Flipkart vouchers (auto-credited)
- → Valid on Flipkart, Myntra, Cleartrip
Bonus Categories
Myntra
7.5x multiplier
7.5% cashback on Myntra
Flipkart
5x multiplier
5% cashback on Flipkart
Cleartrip
5x multiplier
5% cashback on Cleartrip
Partner Merchants
4x multiplier
4% cashback at partner merchants
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding 18% GST |
| Annual Fee | ₹500 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹20,000
- • Self-Employed: Minimum ITR of ₹2.4 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
0 0 0
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability cover up to ₹1 Lakh
Airport Lounge Access
Domestic
0 visits/year
N/A
International
0 visits/year
N/A
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Flipkart ecosystem cashback Instant voucher rewards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Flipkart SBI Credit Card is a co-branded shopping card offering 5% cashback on Flipkart and Cleartrip, 7.5% on Myntra, and 4% on partner merchants...
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