HP OmniBook X Flip OLED 2-in-1 (Core Ultra 5 226V, 16GB, 1TB) for ₹97,490 with SBI Card on Amazon

At a glance

The HP OmniBook X Flip OLED (fm0099TU) is a 14-inch 2-in-1 convertible laptop listed on Amazon India at ₹1,15,990. A flat ₹18,500 instant discount with SBI debit and credit cards brings the effective price to ₹97,490 for eligible buyers.

Quick facts

• Product: HP OmniBook X Flip OLED, model fm0099TU
• Processor: Intel Core Ultra 5 226V (up to 4.5 GHz, 8 cores, 40 TOPS NPU)
• Memory / storage: 16GB LPDDR5x RAM, 1TB SSD
• Display: 14-inch 3K OLED touch, 120Hz, 360° flip
• Weight: 1.38 kg, Meteor Silver finish
• Extras: Windows 11, Office 2024, included pen, Intel Arc graphics
• Listed price: ₹1,15,990 (Amazon buybox, verified)
• Effective price: ₹97,490 with flat ₹18,500 SBI card discount (advertised; card offer not independently confirmed)

Product overview

The OmniBook X Flip is HP's convertible AI PC line, built around Intel's Lunar Lake Core Ultra 5 226V chip with a 40 TOPS NPU for on-device AI features. The 3K OLED touchscreen runs at 120Hz and rotates a full 360 degrees, and a stylus is bundled in the box. At 1.38 kg it is light for a convertible, and the 1TB SSD with 16GB LPDDR5x memory is a sensible configuration for everyday productivity, browsing and media. It ships with Windows 11 and Office Home 2024.

Reasons to consider

• OLED 120Hz touch panel at this effective price is uncommon in the 2-in-1 segment.
• The SBI card discount, if it applies to your card, cuts the cost by ₹18,500 in one step.
• Lunar Lake chips deliver strong battery efficiency and capable integrated Arc graphics.
• Pen included — no separate stylus purchase for note-taking or sketching.

Pros and cons

Pros

• Verified current Amazon selling price of ₹1,15,990 on the exact model
• Premium 3K OLED 120Hz convertible display with pen support
• 1TB SSD and 16GB RAM is a balanced, no-compromise configuration
• Light 1.38 kg metal-bodied chassis

Cons

• The headline ₹97,490 requires an SBI debit or credit card; buyers without one pay ₹1,15,990
• The advertised ₹2,03,815 MRP and 52% discount figure could not be confirmed on the merchant page and is likely an inflated reference price
• Core Ultra 5 226V is efficient rather than fast — not ideal for heavy video editing or gaming
• Bank offers can be withdrawn or capped without notice

Buyer fit

This suits buyers who already hold an SBI debit or credit card and want a premium-feeling convertible for work, study and media consumption. It is less attractive at the full ₹1,15,990 list price, where competing OLED laptops and non-convertible options become competitive. Users needing sustained heavy compute or a dedicated GPU should look elsewhere.

Final verdict

Worth buying if you have an eligible SBI card — an effective ₹97,490 for a 3K OLED 120Hz convertible with 16GB/1TB and a bundled pen is a strong price. Confirm the ₹18,500 SBI offer appears at checkout before ordering; without it, the value case is much weaker. Treat the advertised ₹2,03,815 MRP and 52%-off framing with scepticism, since the merchant page did not confirm that reference price.