Flipkart SBI Credit Card Kya Hai?
SBI Card aur Flipkart ne milkar 2025 mein Flipkart SBI Credit Card launch kiya hai, jo specially value-conscious customers ke liye design kiya gaya hai. Yeh credit card un logon ke liye perfect hai jo online shopping, khas kar Flipkart, Myntra aur Cleartrip par kharch karte hain. Flipkart ki Big Billion Days sale jaise festive occasions par yeh card aapko cashback aur rewards ke zariye paise bachane mein madad kar sakta hai. Is article mein hum is card ke benefits, drawbacks, fees, cashback structure aur doosre credit cards se comparison karenge, taaki aap decide kar sakein ki yeh aapke liye sahi hai ya nahi.
Flipkart SBI Credit Card ke Mukhya Fayde
- Attractive Cashback Offers Is card ka sabse bada attraction hai iska cashback structure, jo online shopping aur lifestyle expenses par focus karta hai. Niche cashback ki details di gayi hain: Partner BrandsCashbackCappingMyntra7.5%Max ₹4,000 per quarterFlipkart & Cleartrip5%Max ₹4,000 per quarterZomato, Uber, Netmeds, PVR4%Max ₹4,000 per quarterOther eligible spends1%Unlimited cashback Note: Cashback rental payments, fuel, jewelry, school fees, wallet loads, government payments, gaming, insurance aur EMI transactions par apply nahi hota.
- Welcome Benefits
- ₹250 ka Flipkart Gift Card: Card ki joining fee jama hone ke 60 dinon ke andar milta hai.
- ₹1,000 ka extra benefit: Card approval ke 30 dinon ke andar pehli Flipkart transaction par.
- Limited Time Offer: 31 December 2025 tak Samsung Galaxy Smartwatches aur Ambrane Wireless Power Banks jeetne ka mauka.
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver (₹500 se ₹4,000 ke beech ke transactions par).
- Per statement cycle mein max ₹400 tak.
- Low Fees aur Renewal Benefits
- Joining Fee: ₹500 + GST (~₹590).
- Renewal Fee: ₹500 + GST, jo pichle saal ₹3.5 lakh ya usse zyada kharch karne par waive ho jati hai.
- Interest Rate: 3.75% per month (~45% annually).
- Foreign Currency Markup: 3.5%.
- Fast Cashback Credit Cashback statement generation ke do business days ke andar aapke card account mein credit ho jata hai, jo isse use karna aasan banata hai.
Flipkart ki Big Billion Days Sale mein Kaise Fayda Uthayein?
Flipkart ki Big Billion Days sale, jo usually October mein hoti hai, electronics, fashion, home appliances aur doosre categories par bhaari discounts lati hai. Flipkart SBI Credit Card ke saath aap:
- 5% Cashback: Flipkart aur Shopsy par kharidari par, max ₹4,000 per quarter.
- EMI Options: Expensive products ko aasan kiston mein kharid sakte hain.
- Combo Offers: Discounts ke saath cashback jodkar zyada savings.
Card Insider ke co-founder Ankur Mittal ka kehna hai ki Myntra par 7.5% cashback is card ko fashion shoppers ke liye khaas banata hai, khas kar festive season mein.
Flipkart SBI Credit Card ki Kamiyan
- Quarterly Cashback Limit: Flipkart, Myntra aur Cleartrip par ₹4,000 per quarter ki capping heavy spenders ke liye limited ho sakti hai.
- No Airport Lounge Access: Yeh card online shopping par focus karta hai, isliye travel benefits jaise lounge access nahi milta.
- High Renewal Fee Waiver Limit: ₹3.5 lakh ki annual spend limit entry-level card ke liye tough ho sakti hai.
- High Interest Rate: 45% annual interest rate un logon ke liye expensive ho sakta hai jo balance carry karte hain.
Flipkart SBI Credit Card vs Flipkart Axis Credit Card: Comparison
Flipkart SBI Credit Card ki tulna aksar Flipkart Axis Credit Card se ki jati hai, kyunki dono hi Flipkart ecosystem par focus karte hain. Niche dono ki tulna di gayi hai:
| Category | Flipkart SBI Credit Card | Flipkart Axis Credit Card |
|---|---|---|
| Joining/Renewal Fee | ₹500 + GST (~₹590) | ₹500 + GST (~₹590) |
| Welcome Benefits | ₹1,250 ke gift vouchers (31 Dec 2025 tak) | ₹350 ke gift vouchers |
| 7.5% Cashback | Myntra par | — |
| 5% Cashback | Flipkart, Cleartrip (₹4,000/quarter) | Flipkart, Cleartrip (₹4,000/quarter) |
| 4% Cashback | Zomato, Uber, Netmeds, PVR | Swiggy, Uber, PVR, Cult.fit |
| 1% Cashback | Other eligible spends (unlimited) | Other eligible spends (unlimited) |
| Airport Lounge Access | Nahi | Nahi |
Main Differences:
- Flipkart SBI Card mein Myntra par 7.5% cashback hai, jo Axis card mein nahi hai.
- SBI card ke welcome benefits Axis card se behtar hain.
- Partner merchants mein difference: SBI card Zomato aur Netmeds ko cover karta hai, jabki Axis card Swiggy aur Cult.fit ko.
Kya Aapko Flipkart SBI Credit Card Lena Chahiye?
Yeh card aapke liye sahi hai agar:
- Aap regularly Flipkart, Myntra, Shopsy ya Cleartrip par shopping karte hain.
- Aap festive season jaise Big Billion Days mein heavy shopping karte hain.
- Aap low-fee wala all-rounder cashback card chahte hain.
Yeh card aapke liye nahi hai agar:
- Aap airport lounge access ya luxury travel benefits chahte hain.
- Aapka zyadatar kharch cashback-eligible categories se bahar hai.
- Aap ₹3.5 lakh ki annual spend limit ko meet nahi kar sakte.
TechnoFino ke founder Sumanta Mandal ka kehna hai ki SBI Cashback Credit Card ya SBI PhonePe Select Black Credit Card jaise options bhi Flipkart par 5% cashback dete hain, lekin unki fees zyada hai. Agar aap low fees aur Myntra par high cashback chahte hain, to Flipkart SBI Credit Card behtar hai.
Kaise Apply Karein?
Flipkart SBI Credit Card ke liye apply karna easy hai:
- Flipkart app ya SBI Card website par jayein.
- Digital process ke zariye instantly apply karein.
- Zaroori documents jaise income proof aur KYC jama karein.
Disclaimer: Is article mein di gayi information aur advice experts ke views par based hai. Koi bhi investment ya credit card decision lene se pehle certified financial advisor se consult karein.
