SBI • Visa

Flipkart SBI Card

5% cashback on Flipkart and Cleartrip, 7.5% on Myntra, 4% on preferred merchants, and 1% on other eligible spends.

Annual Fee₹500Waived on ₹3.5L annual spend

Base Reward1.0%On all spends

Lounge AccessNoNo lounge access listed

Est. Annual Savings₹7,824Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Monthly spend

₹30,000 / mo

₹3,60,000 / year

Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on ₹3.5L annual spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹3,50,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping

5.0%

Online

4.0%

Basedefault

1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

Flipkart SBI is a merchant-cluster card: strongest when your online basket is concentrated on Flipkart/Myntra/Cleartrip and selected partners.
The annual fee waiver threshold makes this a yearly spend-planning card, not only a monthly cashback tool.
Value quality depends on exclusion handling and disciplined category routing.

Best Utilization

Keep this as primary card for Flipkart and Myntra orders, then shift overflow to a broad online cashback card.
Track statement-cycle cashback progression to avoid post-cap low-yield spend.
Route excluded categories (utilities, insurance, rent-style spends) to alternate cards.

Watchouts

Do not model this as flat 5%-7.5% across all online merchants.
Exclusion lists and partner eligibility can materially change effective return.
If annual spend stays below waiver threshold, net yield drops after fee drag.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

Joining fee₹500
Annual fee₹500
Waiver threshold₹3,50,000
Cap typenone
Cap resetstatement-cycle
Last verified2026-02-12

Redemption Truth

Cash value/point₹1
Travel value/pointNot listed
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12

Lounge Truth

NetworkVisa
Domestic count0
International count0
Quarterly limitNot listed
Airport-terminal rows0
Policy check2026-02-10

Reliability + Outcomes

Verification statusverified
Freshness days1
Source conflicts0
Applied reports21
Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: Shopping, CashbackHigher top earn rate (7.5%)Estimated +₹1,260/yr value

View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Flipkart SBI Card using your current year spend.

Your current spend (year)Detected threshold

₹0 spent₹3 target

Policy signal used: Annual fee reversal on ₹3.5L annual spend

Spend threshold

Lounge access is spend-gated and should not be assumed by default

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

5% cashback on Flipkart and Cleartrip bookings
7.5% cashback on Myntra spends
4% cashback on preferred merchant partners
Annual fee reversal on ₹3.5L annual spend

Things to Consider

Category/merchant cashback has monthly cap behavior and exclusions
No cashback on fuel, rent, education, utility, insurance, wallet load and selected other MCC buckets
Lounge access is spend-gated and should not be assumed by default

About Flipkart SBI Card

Flipkart SBI Card is a cashback card from SBI, best for flipkart/myntra loyalists with high online spend. It is tagged under shopping, online, cashback categories in our database.

ShoppingOnlineCashback