CreditCardWallah

DATA-BACKED CARD REVIEW

Flipkart SBI Card: the fit matters more than the headline.

Flipkart SBI Card is listed in CreditCardWallah’s approved directory with an issuer or programme source, review date and practical caution. This page helps you compare the current directory terms with your own spend, fee tolerance, eligibility and use case before you apply.

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CREDITCARDWALLAH SCORECARD

The six dimensions behind this score.

Each parameter is scored out of 10. The final score uses the approved weighted model shown in Methodology.

Rewards 8.8/ 10
Travel 3.0/ 10
Fee 8.3/ 10
Flexibility 6.7/ 10
Overall Value 8.1/ 10
Access & Service 7.2/ 10

BEST FOR

Users whose spending, fees and eligibility match the card’s current benefits.

• Ideal For: Users seeking balanced lifestyle benefits across dining, shopping, and travel. Compare the card’s features, rewards, caps, geographical constraints and annual fees with your own use case before applying.

NOT IDEAL FOR

Read the boundary, not only the benefit.

• You rarely shop on Flipkart or Myntra. • You regularly carry a monthly balance. • You need a guaranteed income threshold before applying.

TERMS AT A GLANCE

Use the Features, Rewards, Cap, Geographical constraint and Annual fees for final decision.

Annual fee
• ₹500 joining fee and ₹500 annual fee, with annual-fee waiver at ₹3.5 lakh annual spend according to the official Flipkart product explainer • Waiver Condition: Waived on ₹3 annual spend
Rewards and cap
• 7.5% on Myntra and 5% on Flipkart, Minutes, Groceries, Shopsy, and Cleartrip are capped at ₹4,000 per quarter • 4% preferred-merchant cashback is also capped at ₹4,000 per quarter. Other eligible spend earns 1% without a stated cap
Eligibility
• Salaried: 21 years to 70 years • Self-Employed: 25 years to 70 years • Income (Salaried): Minimum monthly income of ₹30,000 • Self-Employed: Stable annual income with valid tax returns (ITR) • Verify the current issuer eligibility and application criteria before applying.

Cashback exclusions and complete programme conditions are governed by the current Flipkart SBI Card booklet and live issuer terms.

DECISION CHECKS

Questions to answer before you apply.

Check the issuer’s current eligibility, serviceability, documentation and approval criteria before applying.

Compare the stated fee and any waiver condition with your realistic annual spend, not an assumed spending level.

Read the current rewards, caps, exclusions, thresholds and redemption conditions before assigning a value to a headline benefit.

Open the live issuer or programme source again immediately before application because card terms can change independently of this directory review.

REVIEW QUALITY

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ABOUT THE REVIEWER

CA Naveen Bhat

CA Naveen Bhat is the named CreditCardWallah reviewer. Each review turns the cited issuer product terms into practical comparison questions around rewards, fees, caps, eligibility and recurring conditions.

The review is general educational information, not personalised financial advice, an approval promise or a substitute for checking the issuer’s current terms before applying.

READ THE REVIEW METHODOLOGY

CreditCardWallah may earn a commission from some application links. That relationship does not change the need to read the issuer’s current fee, eligibility, reward, cap and exclusion terms. This is general comparison information, not personalised financial advice.