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SBI Card
Flipkart SBI Credit Card
RuPay
Flipkart SBI Credit Card
SBI's answer to the Amazon Pay card — 5% cashback on Flipkart and Cleartrip, 7.5% on Myntra, and 4% across Netmeds/Swiggy/Uber/PVR, all capped at ₹4,000/quarter per merchant group.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🍽️ Dining & food delivery
4% reward rate (capped ₹4,000/quarterly)
- 🛍️ Shopping
5% reward rate (capped ₹4,000/quarterly)
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹400 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- ₹1,000 cashback on first Flipkart transaction within 30 days of approval
- 1% fuel surcharge waiver, capped at ₹400 per statement cycle
Pros
- + Strong cashback across Flipkart, Myntra and delivery/travel apps
- + Uncapped 1% cashback on everything else
- + Low ₹500 fee
Cons
- − Per-merchant-group caps limit heavy spenders
- − ₹3.5L spend needed to waive the renewal fee