Keep this as primary card for Flipkart and Myntra orders, then shift overflow to a broad online cashback card
Skip it if
Do not model this as flat 5%-7.5% across all online merchants
For Flipkart/Myntra Loyalists with High Online Spend. 5% on shopping spend. ₹500 fee, waiver at ₹3,50,000 / year. Verify the lounge spend rule before applying.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why get it
Why you should get it
Flipkart/Myntra Loyalists with High Online Spend
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
Why skip it
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
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
Annual Fee₹500Joining fee ₹500
Spend to Waive Fee₹3,50,000 / yearWaived on ₹3.5L annual spend
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹500
Joining fee ₹500
Fee waiver₹3,50,000 / year
Waived on ₹3.5L annual spend
Best return5%
Shopping spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹5,112after annual fee
Value covers the ₹500 annual fee
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on shopping — 5% vs 1% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Shoppingbest earn
5%
Online
4%
Basedefault
1%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
This card is better treated as direct cashback or feature value.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Redemption optimizer unavailable
This card is better evaluated through direct cashback, fee drag, and perk value right now.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mapped0 rows
0 domestic • 0 international policy count
Access ruleCheck terms
Card-level policy notes:
• Lounge access is spend-gated and should not be assumed by default
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourceNeeds check
Derived from card policy signals
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.
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Derived from card policy signals
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for Flipkart SBI Card using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
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.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
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Lounge locations
No airport-wise rows currently available
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Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
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 statuspending
Freshness days232
Source conflicts1
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is Flipkart SBI Card lifetime free?
It has an annual fee of ₹500. Waived on ₹3.5L annual spend
What rewards does Flipkart SBI Card offer?
5% cashback on Flipkart and Cleartrip, 7.5% on Myntra, 4% on preferred merchants, and 1% on other eligible spends.
Does Flipkart SBI Card include lounge access?
Flipkart SBI Card lists lounge access with 0 mapped lounge rows (0 domestic, 0 international policy count).
Who should consider Flipkart SBI Card?
Flipkart/Myntra Loyalists with High Online Spend
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 12 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
