Cashback SBI Card
Verified · August 25, 2026
5.0/5.0
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
Overview
Cashback SBI Card by SBI Card provides premium value tailored for Cashback cardholders.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Accelerated Rewards: Automatic direct statement credit within 2 days of next statement generation
- • Excluded Categories: Fuel, Rent payments, Wallet load, Utility bills, Insurance, Education and Govt services
Welcome Benefit
Direct cashback access on all online shopping portals from day one; Qualification Criteria: Card activation; Fulfillment Timeline: Immediate
Milestone Benefit
Spend ₹2 Lakhs (Annual): Annual renewal fee waiver of ₹999; Annual Fee Waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver
Redemption
Auto-credited directly to monthly statement bill
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹100 per month)
- 1% Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 across all petrol pumps. (Max waiver ₹100 per cycle) [Partners: All Fuel Outlets]
Things to Know Before you apply
Cashback SBI Card Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹25,000/month; Self-employed min ITR ₹4,00,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
Cashback SBI Card issued by SBI Card is one of India's leading credit cards for Cashback spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
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Best Suited for
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Cashback
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Fee Details
Joining Fee
₹999
Annual/Renewal Fee
₹999
Joining Fee
₹999
Annual/Renewal Fee
₹999
Joining Fee
₹3,000
Annual/Renewal Fee
₹500
Welcome Benefit
- • Direct cashback access on all online shopping portals from day one
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
- • ₹1,000 cashback upon retail spends of ₹20,000 or more within 30 days of card issuance
- • Qualification Criteria: Spend ₹20,000 within first 30 days
- • Fulfillment Timeline: 45 days post criteria completion
- • Most Important Terms and Conditions
- • HDFC Bank Credit Card holders must activate their Credit Cards within 30 days from the Card Open Date, as per ‘Master Direction – Credit and Debit Card – Issuance and Conduct Directions, 2022’ dated April 21, 2022, realised by Reserve Bank of India (RBI). In case the Credit Card is not activated within 30 days of the card opening date, a grace period of 7 days will be given to activate the card with the below-mentioned modes. At the end of the 37th day, the card will be closed.
- • Kindly refer to the FAQ to know the process of activating the card.
Reward/Cashback Rate
- • Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Accelerated Rewards: Automatic direct statement credit within 2 days of next statement generation
- • Excluded Categories: Fuel, Rent payments, Wallet load, Utility bills, Insurance, Education and Govt services
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Accelerated Rewards: 10% Accelerated Cashback on dining, Zomato, Swiggy, and supermarket grocery spends (max ₹1,000/cycle) + 1.5% uncapped cashback on everything else.
- • Excluded Categories: Fuel, Rent, Wallet loads, EMI
- • Maximize savings every year on Marriott Bonvoy stays.
- • ₹ 25,600
Pros
- • Base Rewards: 5% Cashback per ₹100 (5% direct cashback on all online retail transactions across any merchant without brand restriction (capped at ₹5,000/statement cycle))
- • 1% Cashback per ₹100 (1% unlimited cashback on all offline retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Maximize savings every year on Marriott Bonvoy stays.
- • ₹ 25,600
- • Additional Features
- • High value reward program
- • Wide merchant acceptance
Cons
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified