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STATE BANK
A co-branded Flipkart card built for people who shop mostly on Flipkart and its partner apps.
One-time
Waived on ₹3,50,000/yr
Uncapped rewards
Standard approval
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms read from published copy
The rates below were read from STATE BANK’s published wording rather than a confirmed rate table, so treat them as indicative.
See where each figure came fromData-driven verdict based on net earnings after fees and caps.
Key strength
This card publishes no category-wise reward rates.
Biggest limitation
SBI publishes this card’s cashback only as "up to 7.5%, varies by category and terms" — no figure for any individual category, no cap and no cycle. We hold no rate table for it, so every estimate on this site falls back to a conservative base rate and is labelled indicative. Check the issuer’s own terms before applying.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹500 | ₹500 renewal fee reversed on ₹3,50,000 of spend in the card membership year. |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹1,250
of one-time welcome value, on top of what you earn
Every year after
₹3,50,000 a year
is what it takes to keep the ₹500 fee off — about ₹29,167 a month
No airport lounge access on this card.
1% waiver. 1% fuel surcharge waiver, up to ₹400 a statement cycle.
A Visa card — in India, UPI linkage is available on RuPay credit cards only.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹1,250
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
None
no spend milestones are recorded
Welcome benefits worth ₹1,250 on successful application, as published by SBI Card.
No spend milestones are recorded.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499
STATE BANKEtihad Guest SBI Premier Card BK₹4,999
STATE BANKFabindia SBI Card BK₹499
STATE BANKFabindia SBI Card SELECT BK₹1,499
STATE BANKCentral SBI Select Card BK₹750| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Flipkart SBI Credit Card · this card | ₹500 | Not published | No |
| Yatra SBI Card BK | ₹499 | Up to 6 reward points per ₹100 | No |
| Etihad Guest SBI Card BK | ₹1,499 | Up to 3 miles per ₹100 | No |
| Etihad Guest SBI Premier Card BK | ₹4,999 | Up to 6 miles per ₹100 | No |
| Fabindia SBI Card BK | ₹499 | Up to 5 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹500 plus GST, waived on ₹3,50,000 of annual spend.
No — airport lounge access is not offered on this card.
A Visa card — in India, UPI linkage is available on RuPay credit cards only.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
We do not have redemption details recorded.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
SBI Card assesses this card on income, age and credit profile rather than on a single published salary figure. In practice a strong bureau score and a stable, documented income are what decide the application.
What you are asked for is consistent across SBI Card products:
Check where you stand before applying with the eligibility checker, which scores your profile against each issuer's published criteria and makes no credit bureau enquiry of its own.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Flipkart SBI Credit Card — see the rates above. ₹500 a year.