QUESTION · ONLINE SHOPPING · RATES AS OF 28 OCTOBER 2026
Do I get credit card rewards on Flipkart if I pay by UPI?
Not always. On Flipkart, PhonePe Ultimo and PhonePe SBI Black earn less, or nothing, when you pay through UPI (including a RuPay credit card on UPI). To get the full reward, pay with the card itself in the Flipkart checkout.
- PhonePe Ultimo: By card or by UPI; not on gift cards, wallet top-ups or EMI; grocery orders (Fresh, Minutes, Instamart) may earn nothing
- PhonePe SBI Black: Earns nothing when paid through UPI; When paid online or in the app by card; UPI payments outside the PhonePe app earn nothing; at most 1,000 points (₹1,000) a month
Top cards on Flipkart
- 1
Cashback SBIorders of ₹100+ · up to ₹2,000 a month5% - 2
Flipkart Axisorders of ₹100+ · up to ₹4,000 a quarter5% - 3
Flipkart SBIorders of ₹100+ · up to ₹4,000 a quarter5% - 4
HDFC Millenniano minimum order · up to ₹1,000 a month5% - 5PhonePe Ultimono minimum order · up to ₹500 a month5%
Rates as per each bank’s published terms (as of 28 October 2026) and can change. Pickkard isn’t a bank and isn’t paid by any bank.