Best Shopping Credit Cards in India (2026) – Save Cashback on Flipkart, Myntra & More
Looking for the best shopping credit card in India? Explore the SBI Flipkart Credit Card with cashback on Flipkart, Myntra, Zomato, Uber & more.
Best Shopping Credit Cards in India (2026)
Online shopping has become a part of everyday life in India. Whether you’re buying smartphones, fashion, groceries, or booking travel, using the right shopping credit card can help you earn significant cashback and save money on every purchase.
If you’re searching for one of the best shopping credit cards in India, the SBI Card PRIME Flipkart Credit Card (commonly known as the SBI Flipkart Credit Card) is an excellent choice for frequent online shoppers.
In this guide, we’ll cover its cashback benefits, fees, eligibility, required documents, and whether it’s worth applying for in 2026.
On This Page
Why Choose SBI Flipkart Credit Card?
The SBI Flipkart Credit Card is designed for people who frequently shop online and want instant cashback instead of reward points.
Key Highlights
- High cashback on Flipkart purchases
- Extra cashback on Myntra
- Savings on food delivery, movies, medicines, and cab bookings
- Low annual fee
- Welcome gift worth ₹250
- Annual fee waiver on high spending
SBI Flipkart Credit Card Cashback Benefits
1. 5% Cashback on Flipkart
Earn 5% cashback on every eligible purchase made on:
- Flipkart
- Shopsy
- Flipkart Travel
You also get:
- 12% cashback on Cleartrip transactions
- Cashback capped at ₹4,000 per merchant per quarter
This makes the card an excellent option for regular Flipkart shoppers.
2. 7.5% Cashback on Myntra
Fashion lovers can earn:
- 7.5% cashback on every eligible Myntra purchase
Quarterly Cashback Limit: ₹4,000
3. 4% Cashback on Everyday Lifestyle Apps
Earn 4% cashback on purchases made through:
- Zomato
- Uber
- Netmeds
- PVR
Quarterly Cashback Limit: ₹4,000
Perfect for food delivery, travel, medicine purchases, and movie bookings.
4. 1% Unlimited Cashback
Even if your purchase isn’t from partner merchants, you still earn:
- 1% unlimited cashback on all eligible retail transactions.
This ensures you continue earning rewards across your daily spending.
Welcome Benefits
After paying the joining fee, you’ll receive:
- ₹250 Flipkart Gift Card
- Additional first-spend bonus benefits worth ₹1,000+ (subject to ongoing offers)
This provides extra value right from the beginning.
Fuel Benefits
The card also offers fuel savings.
Fuel Surcharge Waiver
- 1% fuel surcharge waiver
- Applicable on transactions between ₹500 and ₹4,000
- Maximum benefit: ₹400
SBI Flipkart Credit Card Fees
| Charges | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Annual Fee Waiver | Annual spending above ₹3,50,000 |
If you spend more than ₹3.5 lakh in a year, the renewal fee is completely waived.
Eligibility Criteria
To apply, you should meet the following requirements:
| Requirement | Details |
|---|---|
| Age | 21–65 Years |
| Employment | Salaried & Self-employed |
| Monthly Income | ₹30,000 or above |
| Credit Score | 720+ Recommended |
| New to Credit | Not Eligible |
Documents Required
Keep the following documents ready while applying:
Identity Proof
- PAN Card
- Form 60
Address Proof
- Aadhaar Card
- Passport
- Utility Bill
Income Proof
- Salary Slips
- Bank Statements
Photograph
- Recent Passport Size Photo
How to Apply
Applying is simple.
Step 1
Click on the application button.
Step 2
You will be redirected to the SBI Bank Credit Cards application page.
Step 3
Complete the application during the same browsing session.
Step 4
Submit your details and wait for verification.
Pros and Cons
Pros
- Excellent cashback on Flipkart
- High cashback on Myntra
- Good savings on Zomato, Uber, Netmeds, and PVR
- Low joining fee
- Fuel surcharge waiver
- Annual fee waiver on higher spending
Cons
- Cashback caps apply every quarter
- Requires a good credit score
- Not suitable for first-time credit users
Who Should Apply?
This card is ideal for:
- Regular Flipkart shoppers
- Fashion buyers who shop on Myntra
- Users who frequently order from Zomato
- People using Uber regularly
- Customers purchasing medicines from Netmeds
- Movie lovers booking PVR tickets
If most of your spending happens online, this card can help you maximize cashback throughout the year.
Final Verdict
The SBI Flipkart Credit Card is one of the best shopping credit cards in India for users who frequently shop on Flipkart and Myntra while also spending on food delivery, travel, entertainment, and healthcare.
With cashback across multiple categories, a low annual fee, welcome benefits, and fuel savings, it offers excellent overall value. If you meet the eligibility criteria and regularly shop online, this card is a strong option to consider.
Which is the best shopping credit card in India?
The SBI Flipkart Credit Card is among the top shopping credit cards for earning cashback on Flipkart, Myntra, Zomato, Uber, Netmeds, and PVR.
How much cashback do I get on Flipkart?
You earn 5% cashback on eligible Flipkart purchases, including Shopsy and Flipkart Travel.
Does the card offer cashback on Myntra?
Yes. You get 7.5% cashback on eligible Myntra transactions, subject to the quarterly cashback limit.
Is there cashback on Zomato and Uber?
Yes. Eligible purchases on Zomato, Uber, Netmeds, and PVR earn 4% cashback.
Is SBI Flipkart Credit Card worth it?
If you frequently shop on Flipkart, Myntra, and use partner merchants like Zomato, Uber, Netmeds, and PVR, the cashback benefits can easily outweigh the annual fee, making it a valuable shopping credit card.
Can first-time credit users apply?
According to the provided eligibility criteria, new-to-credit applicants are not eligible for this offer.
What is the annual fee of SBI Flipkart Credit Card?
The joining fee and annual fee are ₹500 + GST each.
Can the annual fee be waived?
Yes. The annual fee is waived if your yearly spending exceeds ₹3,50,000.
Disclaimer: The information provided in this article is for educational and informational purposes only. Credit card features, fees, cashback, and offers may change over time. Please verify the latest details on the official issuer’s website before applying.