SBI Flipkart Credit Card Review 2026 – Cashback, Fees & Apply Online

SBI Flipkart Credit Card Review 2026 – Cashback, Fees, Eligibility & Apply Online

Agar aap Flipkart, Myntra, Zomato, Uber ya online shopping regularly karte ho, to SBI Flipkart Credit Card aapke liye ek solid Cashback Credit Card ho sakta hai. Ye card specially online shoppers ke liye design kiya gaya hai jisme direct cashback milta hai, na ki confusing reward points.

Is detailed article me hum SBI Flipkart Credit Card ke saare benefits, cashback structure, fees, eligibility, documents aur apply process ko bilkul simple aur real voice style me samjhenge, taaki aap easily decide kar sako ye card aapke liye sahi hai ya nahi.

SBI Flipkart Credit Card – Key Highlights

1. 5% cashback on Flipkart (Shopsy & Flipkart Travel included)
2. 12% cashback on Cleartrip bookings
3. 7.5% cashback on Myntra shopping
4. 4% cashback on Zomato, Uber, Netmeds & PVR
5. 1% unlimited cashback on other spends
6. Rs 250 Flipkart Gift Card as welcome benefit
7. 1% fuel surcharge waiver
8. Simple cashback – no reward point tension

SBI Flipkart Credit Card Cashback Benefits (Detailed)

🛒 Flipkart, Shopsy & Flipkart Travel

1. 5% cashback on every eligible transaction
2. Quarterly cashback cap: Rs 4,000 per merchant

✈️ Cleartrip Bookings

1. 12% cashback on flight & hotel bookings
2. Quarterly cashback cap: Rs 4,000

👕 Myntra Shopping

1. 7.5% cashback on Myntra orders
2. Quarterly cashback cap: Rs 4,000

🍔 Zomato, Uber, Netmeds & 🎬 PVR

1. 4% cashback on spends
2. Quarterly cashback cap: Rs 4,000

💳 Other Retail Spends

1. 1% unlimited cashback on all other eligible transactions

Note: Cashback directly aapke credit card statement me adjust ho jata hai, alag se redeem karne ki zarurat nahi hoti.

Welcome Benefit

1. Rs 250 Flipkart Gift Card on payment of joining fee
2. Additional first-spend bonus benefits worth Rs 1,000+ (ongoing offers ke hisaab se)

Fuel Surcharge Waiver

1. 1% fuel surcharge waiver
2. Valid transaction: Rs 500 – Rs 4,000
3. Maximum waiver: Rs 400 per statement cycle

Fuel spends par cashback nahi milta, sirf surcharge waiver applicable hota hai.

SBI Flipkart Credit Card Fees & Charges

Charges Type	Amount
Joining Fee	Rs 500 + GST
Annual Fee	Rs 500 + GST
Annual Fee Waiver	Spend Rs 3,50,000 per year

Agar aap saal bhar me Rs 3.5 lakh ya usse zyada spend kar dete ho, to next year ka annual fee zero ho jata hai.

Eligibility Criteria for SBI Flipkart Credit Card

1. Age: 21 to 65 years
2. Employment: Salaried & Self-employed
3. Minimum Income: Rs 30,000 per month
4. Credit Score: 720+ recommended
5. New to Credit: Not allowed

Documents Required

1. PAN Card / Form 60
2. Address Proof (Aadhaar / Passport / Utility Bill)
3. Income Proof (Salary Slip / Bank Statement)
4. Recent Passport Size Photograph

SBI Flipkart Credit Card Pros & Cons

✅ Pros

1. High cashback on Flipkart & Myntra
2. Simple cashback structure
3. Low annual fee with waiver option
4. Best for online shoppers

❌ Cons

1. Not suitable for new credit users
2. Quarterly cashback caps apply
3. Offline cashback sirf 1%

Who Should Apply for SBI Flipkart Credit Card?

1. Regular Flipkart & Myntra shoppers
2. Zomato, Uber, PVR users
3. Cashback lovers jo simple card chahte hain
4. Salaried ya self-employed with good credit score

Who Should Avoid This Card?

1. First-time credit card users
2. Mostly offline spending karne wale
3. Travel-focused premium card chahne wale

Apply Now – SBI Flipkart Credit Card

Frequently Asked Questions (FAQ)

Q1. SBI Flipkart Credit Card par cashback kaise milta hai?
Cashback directly credit card statement me adjust ho jata hai.

Q2. Kya annual fee waive ho sakta hai?
Haan, Rs 3,50,000 yearly spend par annual fee zero ho jata hai.

Q3. Kya fuel par cashback milta hai?
Fuel par cashback nahi, sirf 1% fuel surcharge waiver milta hai.

Q4. Kya ye card beginners ke liye hai?
Nahi, new-to-credit users is card ke liye eligible nahi hote.

Disclaimer: This article is published for informational purposes only. Credit card offers, fees, cashback, eligibility and benefits may change as per bank policies. Please verify all details from the official website or bank representative before applying. We are not directly associated with any bank and do not guarantee card approval.

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