SBI Card · Entry
Flipkart SBI Card
Where it ranks across all 187 cards
#3 Fashion
7.5%
at Myntra
direct
#9 Online shopping
5.0%
at Flipkart
direct
#4 Health & pharmacy
4.0%
at Pharmacy (Apollo/1mg)
direct
#8 Cabs & transit
4.0%
at Uber
direct
#13 Movies & events
4.0%
at BookMyShow
direct
#14 Food delivery
4.0%
at Zomato
direct
#27 Utility bills
1.0%
direct
#43 Mobile / broadband
1.0%
direct
#51 Train tickets
1.0%
direct
#56 Other
1.0%
direct
#62 Electronics
1.0%
direct
#70 Hotels
1.0%
direct
#72 Flights
1.0%
direct
#73 Groceries
1.0%
direct
#77 Dining out
1.0%
direct
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Reward rules4 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Flipkart SBI Card page (sbicard.com) - sbicard.com - read 22 Aug 2026
7.5% Myntra
7.50%this rule
7.5% cashback
source
Source: Flipkart SBI T&C booklet (bank PDF, verified Aug 2026) - sbicard.com - read 20 Aug 2026
5% Flipkart + Cleartrip
5.00%this rule
5% cashback
source
Source: Flipkart SBI T&C booklet (bank PDF, verified Aug 2026) - sbicard.com - read 20 Aug 2026
4% select merchants
4.00%this rule
4% cashback
how it works & source
4 select merchants per T&C; quarterly ₹4,000 cashback limit shared across accelerated categories.
Source: Flipkart SBI T&C booklet (bank PDF, verified Aug 2026) - sbicard.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on9 exclusions
Fuel
earns nothing
0% cashback on fuel.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rental transactions: 0% cashback.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513, 7349
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Jewellery & watches
earns nothing
Jewellery: 0% cashback.
→ use FIRST Private here (6.6%)
detail & source
categories: Jewellery & watches · MCCs: 5051, 5094, 5944, 7631
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Education
earns nothing
School/education: 0% cashback.
→ use FIRST Private here (6.6%)
detail & source
categories: Education · MCCs: 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8249, 8299, 8351
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
0% on wallet loads, gift/prepaid card loads, voucher purchases.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government transactions: 0% cashback.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9399, 9311
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Gaming
earns nothing
Gaming: 0% cashback.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 5816, 7993, 7994
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Insurance
earns nothing
Insurance: 0% cashback (Flipkart card uses a different insurance MCC set than Cashback SBI Card).
→ use FIRST Private here (6.6%)
detail & source
categories: Insurance · MCCs: 4225, 5962, 5963, 5964, 5965, 5966, 5968, 5969, 6300
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
EMI spends: 0% cashback.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Flipkart SBI Card T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026