Cashback SBI Card
Best for online spenders who want flat, simple cashback. 5% cashback on online spends; 1% on offline spends; auto-credited to card account
Terms as of 2026-09-15 · Checked 30 September 2026Cashback SBI Card at a glance
Who it suits: Online spenders who want flat, simple cashback
Rewards & cashback
| Details | |
|---|---|
| How you earn | 5% cashback on online spends; 1% on offline spends; auto-credited to card account |
| Caps & exclusions | 5% capped Rs 2,000/cycle; 1% capped Rs 2,000/cycle (Rs 4,000 total). Excludes fuel, rent, wallet loads, utilities, insurance, education, jewellery, railways, government, EMI, gaming, tolls |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,200 | ₹21 |
| ₹3,00,000 / year | ₹3,000 | ₹3,000 |
| ₹6,00,000 / year | ₹6,000 | ₹6,000 |
| ₹12,00,000 / year | ₹12,000 | ₹12,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | None standard |
| Fuel surcharge | 1% waiver on Rs 500-3,000 transactions, max Rs 100/cycle |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹999 + GST |
| Annual / renewal fee | ₹999 + GST |
| Fee waiver | Annual fee reversed on Rs 2 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-70 (per card pages) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| IndusInd Bank Pinnacle World | IndusInd Bank | ₹15,000 / Free | 1.88% base value | Online shoppers wanting 1.875% value with a one-time fee |
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback |
| Tata Neu Infinity HDFC Bank | HDFC Bank | ₹1,499 / ₹1,499 | 1.50% base value | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via N… |
| Amazon Pay ICICI Bank | ICICI Bank | Free / Free | 1.00% base value | Amazon Prime shoppers wanting a free, no-cap cashback card |
Frequently asked questions
What is the annual fee of the Cashback SBI Card?
Joining fee ₹999 and annual fee ₹999 (plus 18% GST). Annual fee reversed on Rs 2 lakh annual spend.
What rewards does it offer?
5% cashback on online spends; 1% on offline spends; auto-credited to card account Caps/exclusions: 5% capped Rs 2,000/cycle; 1% capped Rs 2,000/cycle (Rs 4,000 total). Excludes fuel, rent, wallet loads, utilities, insurance, education, jewellery, railways, government, EMI, gaming, tolls
Does it give airport lounge access?
None standard
Is the Cashback SBI Card good for me?
Best for: Online spenders who want flat, simple cashback. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-15. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on SBI Card’s website before applying. FinancePortal is not affiliated with the issuer.