[LIVE] Flipkart Big Billion Days - Credit card offers megathread

by arjun.mehta 7 Jan 2026, 11:56 am 1080 views 20 replies

Flipkart Big Billion Days 2025 - All Credit Card Offers Compilation

The sale is LIVE! Here's everything you need to know about card offers and stacking strategies.

    Bank Offers:
  • HDFC Bank: 10% instant discount up to ₹2,000 on cards and ₹1,000 on debit cards (Min purchase ₹5,000)
  • ICICI Bank: 10% instant discount up to ₹2,500 on credit cards (Min purchase ₹5,000)
  • SBI Cards: 10% instant discount up to ₹2,000 (Min purchase ₹5,000)
  • Axis Bank: 10% instant discount up to ₹1,750 (Min purchase ₹5,000)

Advanced Stacking Strategies:

  • Gift Card Pre-Buy Strategy: Buy Flipkart gift cards during pre-sale with card offers, then use them during main sale with additional bank offers. Some cards code GC purchases under different MCC.
  • SmartBuy Combo (HDFC cardholders): Buy Flipkart vouchers through SmartBuy at 10X rewards, then use during sale. Stacks with Plus membership benefits.
  • SuperCoins Maximization: Use accumulated SuperCoins for flat discounts + card offers apply on remaining amount.
  • EMI Offers: No-cost EMI on ₹3,000+ with all major banks. Axis MyZone has additional ₹500 off on ₹10,000+ EMI transactions.
    Best Categories to Target:
  • Electronics: iPhones, laptops, tablets (max offers apply)
  • Large appliances: TVs, refrigerators, washing machines
  • Fashion: Additional exchange/combo offers
  • Home & Kitchen: Often overlooked but good stacking potential
    Sale Timeline:
  • Early Access (Plus members): Started midnight
  • Main Sale: 12 AM onwards
  • Lightning Deals: Every 2 hours
  • Grand Finale: Last day with clearance offers
    Pro Tips:
  • Apply card offer code manually if auto-apply fails
  • Check cart before placing - offers sometimes drop off
  • Have backup cards ready (offer caps get exhausted quickly)
  • Screenshot offer T&Cs for dispute resolution
  • Compare with Amazon/offline prices - not everything is a deal

Drop your successful purchases and any new stacking tricks you discover below!

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19 Comments

The gift card strategy worked! Bought ₹50k GCs with Axis Ace last week (5% CB), now using them with ICICI offer. Double benefit!

0

Fix for offer not applying: Remove item, clear app cache, add to cart again, then apply offer code manually. Worked for 3 people I know.

2

Home appliances are where the real deals are. Got a ₹85k refrigerator for ₹68k after all discounts (card + exchange + extra ₹3k off). No rush either, stock is plenty.

1

Fashion tip: Use card offer on high-value items, then add cheap stuff to reach ₹5k minimum if needed. Don't waste offer on small purchases.

2

@membership question - If you're buying ₹50k+, absolutely worth it. Early access means offers don't exhaust + extra 30 coins per ₹100. I've saved ₹4k+ extra just from Plus benefits.

5

Comparing with Amazon sale right now. iPhone 15 is ₹3k cheaper on Flipkart after offers. Laptops are competitive. TVs slightly better on Amazon (their card offers are 12% on some models).

1

For people stuck with 'offer not applicable' error - try desktop website instead of app. App is buggy, desktop worked instantly for me.

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