SBI Credit Card Offer on Flipkart: 10% Off Plus Bonus Discounts on Bigger Orders

Yes. SBI credit cards get a 10% instant discount on select Flipkart products, with a minimum order of ₹4,990. The base cap is ₹1,250 for most categories and ₹1,000 to ₹1,500 on phones (higher on EMI), and bigger orders add bonus discounts. SBI debit cards get 10% up to ₹1,250. Both end on 10 Nov 2026. Checked on 8–9 Nov 2026 (offers on 8 Nov, prices on 9 Nov).

The SBI discount is the total instant discount Flipkart showed for SBI on that product at our check, base plus any bonus. The Axis column is a separate Axis Bank instant discount on the same product; you pay with one card, so you get one bank's discount, not both.

Today's SBI offers on Flipkart

There are three SBI offers on Flipkart right now, and each works with a different card.

• SBI credit cards (10% instant discount): minimum ₹4,990, on full payment or credit card EMI, on select products. Ends 10 Nov 2026. Our offer data lists the highest base cap as ₹1,750 per card for the offer period (that is Mobiles Offer 2 on EMI). Details on our SBI credit card Flipkart offer page.
• SBI debit cards (10% instant discount): up to ₹1,250 per card for the offer period, minimum ₹4,990, full payment only. Ends 10 Nov 2026. Not valid on UPI or internet banking. See the SBI debit card Flipkart offer page.
• Flipkart SBI co-brand credit card (5% cashback): a card reward, not the sale discount. 5% cashback up to ₹4,000 per cashback cycle on Flipkart, minimum ₹100, non-EMI only. Runs till 30 Dec 2026. See the Flipkart SBI card cashback page.

The Flipkart SBI, Cashback SBI, Paytm SBI, Eternal SBI and corporate cards do not get the 10% offer. All SBI offers we track are on our SBI card offers page.

How the cap works: base, bonus and refresh

The discount has two parts: a base 10% with a cap per category, and flat bonus discounts on bigger single orders. Both are counted per card per refresh.

Other categories: SBI's main table shows ₹1,500 on full payment, but a footnote in SBI's terms limits it to ₹1,250 on full payment and ₹1,500 on EMI per card per refresh between 1 and 10 Nov. That footnote is what applies now.

Refresh: the caps refreshed on 29, 30, 31 Oct and 1 and 6 Nov. There is no refresh after 6 Nov, so what you have not used since 6 Nov is all that is left until the offer ends.

Bonus discounts: SBI's terms add flat bonuses by single order value: Rs 200 at Rs 16,990 and above, Rs 300 at Rs 19,990, Rs 500 at Rs 24,990, Rs 500 at Rs 34,990, Rs 1,500 at Rs 49,990 and Rs 2,000 at Rs 69,990. The Rs 24,990 bonus covers all categories except Grocery and Minutes; the others are on select products only. Base and bonus add up, with a maximum of Rs. 48,000 per card for the whole offer period.

What this means for the TVs above: the 65 inch Nitro (₹37,499) crosses the Rs 16,990, 19,990, 24,990 and 34,990 slabs, but which select-product bonuses Flipkart applies differs by product. That is why the discount Flipkart shows (₹2,500 here) is not a simple sum you can work out from the slabs. Trust the figure on the Payment page.

For phones: the base discount on a phone is at most ₹1,000 (Offer 1) or ₹1,500 (Offer 2) on full payment. Discounts of several thousand rupees on costly phones come only from bonus slabs added on top, on phones where Flipkart lists them. With an SBI debit card, the most you get is ₹1,250 in total. Check the offers listed on the phone's own product page before you pay.

Which SBI cards get the 10% discount

SBI credit cards get it, with some exclusions. SBI's offer terms exclude corporate cards, the Paytm SBI, Flipkart SBI, Eternal SBI and Cashback SBI credit cards, and RuPay credit card payments made through UPI.

• Cashback SBI Card: no 10% discount. It still earns its own card cashback: SBI's FAQ says 5% on online spends, with online cashback capped at Rs. 2,000 per statement cycle, credited within two working days of the statement date.
• Flipkart SBI Card: no 10% discount. SBI's sale terms list a separate 5% instant discount for this card on full payment, for example up to Rs.500 on mobiles, large appliances and electronics with a ₹4,990 minimum, on select products. Its 5% cashback is separate again and comes later on the card account.
• SBI debit card: its own 10% offer, up to ₹1,250, full payment with the card itself.

Flipkart SBI card: how the ₹4,000 cashback cap works

The ₹4,000 cap is per category, not one total. The Flipkart SBI card terms give Flipkart 5%, Cleartrip 5%, Myntra 7.5% and 4 select merchants 4%, each with a quarterly cashback limit of 4,000, and say capping is calculated on individual categories. The quarter follows your billing cycles: it starts from your first transaction after the account opens and runs through that billing month and the next three billing cycles. EMI spends earn no cashback, whether you choose EMI at checkout or convert later.

How to get the discount

The discount comes off at checkout. The price on the product page does not change.

1. Open the product and check that the SBI offer is listed under bank offers.
2. Make sure the order is above the category minimum (₹4,990 for most electronics).
3. On the Payment page, choose credit card or credit card EMI (or debit card for the debit offer). Not UPI, not Cash on Delivery.
4. Enter your SBI card details. The discount shows on the Payment page before you pay.
5. Pay the amount shown. That lower amount is what your card is charged; nothing comes back later in the statement.

Why the offer may not apply

If the discount does not appear on the Payment page, it is usually one of these, all from the offer terms:

• The product is not one of the select products (the offer is not listed on its page).
• The order is below the category minimum.
• Your card is excluded (Flipkart SBI, Cashback SBI, Paytm SBI, Eternal SBI, corporate), or you paid by UPI, internet banking or COD.
• You already used the cap since the 6 Nov refresh.
• You cancelled an earlier order: SBI's terms say the offer may take up to 24 hours to refresh.

More reasons and fixes are in our guide on why a credit card offer is not working on Flipkart.

Catches before you pay

• End time. SBI's terms PDF says the offer runs from 28th Oct 2026 (00:00 hrs) to 10th Nov 2026 (11:59 hrs). Order on the morning of 10 Nov at the latest.
• Returns cost you the discount. If a return takes your order below the minimum, the discount is deducted from your refund.
• No COD. Not valid on Cash on Delivery, or on orders changed from COD to prepaid.
• Reward points go. SBI's terms say reward points earned on offer transactions are forfeited.

Before buying anything else, paste its link into RogerKart's price check to see the card price, or browse more checked deals.

FAQs

Sources

• SBI Card: Flipkart sale offer terms and conditions (PDF)
• SBI Card: Flipkart SBI Credit Card terms booklet (PDF)
• SBI Card: Cashback SBI Card FAQs

How we made this: prices and card offers are from RogerKart's own checks on 8–9 Nov 2026 (card offers on 8 Nov, prices on 9 Nov). Prepared with AI from our checked data; rules set by Abinash B.