u/Pruthvii07

During the BlinkDeal6 sale on Myntra (April 11th and 12th, 2026) I made purchases totaling 46,482rs using my SBI Flipkart Credit Card.

As per the card benefits, Myntra transactions are supposed to get 7.5% cashback. But after my May 1 statement got generated, I received only ₹465 cashback (~1%).

I contacted SBI Card customer care, and the agent said cashback depends on the MCC (Merchant Category Code). The MCC for my transaction is 5699 “Apparel and Accessory Shops - Miscellaneous” which is not excluded from the eligible cashback categories.

What’s confusing is:

Transaction was directly on Myntra
MCC seems valid
Offer should have been eligible
But cashback posted only as regular 1%

One thing to note: I used the “Scan & Pay” payment method inside Myntra during the sale. Not sure if that changed the MCC routing or cashback eligibility internally.

Wanted to check:

Has anyone else used SBI Flipkart Card via Scan & Pay on Myntra?
Did you receive full 7.5% cashback or only 1%?
Any idea if Scan & Pay transactions are being treated differently?

During the BlinkDeal6 sale on Myntra (April 11th and 12th, 2026) I made purchases totaling 46,482rs using my SBI Flipkart Credit Card.

As per the card benefits, Myntra transactions are supposed to get 7.5% cashback. But after my May 1 statement got generated, I received only ₹465 cashback (~1%).

I contacted SBI Card customer care, and the agent said cashback depends on the MCC (Merchant Category Code). The MCC for my transaction is 5699 “Apparel and Accessory Shops - Miscellaneous” which is not excluded from the eligible cashback categories.

What’s confusing is:

Transaction was directly on Myntra
MCC seems valid
Offer should have been eligible
But cashback posted only as regular 1%

One thing to note: I used the “Scan & Pay” payment method inside Myntra during the sale. Not sure if that changed the MCC routing or cashback eligibility internally.

Wanted to check:

Has anyone else used SBI Flipkart Card via Scan & Pay on Myntra?
Did you receive full 7.5% cashback or only 1%?
Any idea if Scan & Pay transactions are being treated differently?

During the BlinkDeal6 sale on Myntra (April 11th and 12th, 2026) I made purchases totaling 46,482rs using my SBI Flipkart Credit Card.

As per the card benefits, Myntra transactions are supposed to get 7.5% cashback. But after my May 1 statement got generated, I received only ₹465 cashback (~1%).

I contacted SBI Card customer care, and the agent said cashback depends on the MCC (Merchant Category Code). The MCC for my transaction is 5699 “Apparel and Accessory Shops - Miscellaneous” which is not excluded from the eligible cashback categories.

What’s confusing is:

Transaction was directly on Myntra
MCC seems valid
Offer should have been eligible
But cashback posted only as regular 1%

One thing to note: I used the “Scan & Pay” payment method inside Myntra during the sale. Not sure if that changed the MCC routing or cashback eligibility internally.

Wanted to check:

Has anyone else used SBI Flipkart Card via Scan & Pay on Myntra?
Did you receive full 7.5% cashback or only 1%?
Any idea if Scan & Pay transactions are being treated differently?

During the BlinkDeal6 sale on Myntra (April 11th and 12th, 2026) I made purchases totaling 46,482rs using my SBI Flipkart Credit Card.

As per the card benefits, Myntra transactions are supposed to get 7.5% cashback. But after my May 1 statement got generated, I received only ₹465 cashback (~1%).

I contacted SBI Card customer care, and the agent said cashback depends on the MCC (Merchant Category Code). The MCC for my transaction is 5699 “Apparel and Accessory Shops - Miscellaneous” which is not excluded from the eligible cashback categories.

What’s confusing is:

Transaction was directly on Myntra
MCC seems valid
Offer should have been eligible
But cashback posted only as regular 1%

One thing to note: I used the “Scan & Pay” payment method inside Myntra during the sale. Not sure if that changed the MCC routing or cashback eligibility internally.

Wanted to check:

Has anyone else used SBI Flipkart Card via Scan & Pay on Myntra?
Did you receive full 7.5% cashback or only 1%?
Any idea if Scan & Pay transactions are being treated differently?

Hi all,

I am currently using the RBL Indian Oil XTRA credit card mainly for fuel spends. My annual fuel expense is around 60K - 70K (combined bike + car), so I wanted to get some opinions from the community.

Annual fee: ₹1769
Current points: ~7.4K points

As per my understanding, these need to be converted to XTRA Rewards points for redemption at IOCL pumps

My concerns:

Is this card actually worth keeping for my level of spend, especially considering the annual fee?

I have seen mixed feedback about the real reward rate vs the advertised 7.5%
Redemption process seems a bit complicated (convert > redeem at IOCL)

Given my usage:

Should I continue with this card or close it before renewal?

If closing:

What are better alternatives for fuel spends in India right now?