Flipkart SBI Card

Renewal feeJoining fee

₹500 + GST

Fee waiver rule

Waived off on annual spends of ₹3.5 Lakhs or more in the preceding year

Add-on card fee

₹0

Welcome benefit

₹250 Flipkart Gift Card on fee realisation · ₹1000 additional benefit on the first transaction on Flipkart.

Reward rate

1% cashback · everyday spends1% Cashback on all other eligible spends.

Online earning

5% Cashback on Flipkart 12% Off on Cleartrip 7.5% Cashback on Myntra.

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India.

Add-on card eligibility

Add-on cards for parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks’ credit cards to your Flipkart SBI Card at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Flexipay EMI: convert eligible purchases into easy monthly EMIs.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% on transactions ≥ ₹1,000 in Indian currency at an international location or at merchants in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash advance interest

Free credit period Nil on cash advances; finance charges 3.75% p.m. (45% p.a.) for unsecured cards, applicable from the date of cash withdrawal

Cash withdrawal limit

Max. ₹15,000 per day on ATM withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

Nil to ₹1,300

Over-limit fee

2.5% of the overlimit amount or ₹600, whichever is higher.

Payment return or dishonour fee

2% of payment amount, minimum ₹500

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250 + applicable taxes

Cheque payment / dishonour fee

Cheque Payment Fee: ₹200

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

Foreign ATM fee

International ATMs: 2.5% of transaction amount, subject to a minimum of ₹500

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Fuel transaction fee

Petrol & all products/services sold at petrol pumps: 1% of transaction amount + all applicable taxes; fuel surcharge is levied by the acquiring bank providing the terminal to the merchant

Rent transaction fee

₹199

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

GST rate of 18%

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of finance charges + Overlimit Amount (if any) + 2% of remaining balance outstanding