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Explore cards from India's leading banks.
Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5% Cashback
Earn 5% cashback on all eligible online spends (capped at ₹2,000 per statement cycle). Earn 1% cashback on all offline spends and utility bills (separately capped at ₹2,000 per statement cycle). Spends on rent, fuel, wallet loads, EMI, digital gaming, jewelry, and government payments do not earn any cashback.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual Fee Waiver: The renewal fee of ₹999 + 18% GST is waived upon achieving ₹2 Lakhs in annual spends in the preceding membership year
Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at petrol pumps across India (maximum waiver of ₹100 per statement cycle)
Contactless Payments: Tap and pay for fast, secure transactions up to ₹5,000 without entering a PIN
An honest read on where this card earns its keep — and where it doesn't.
Provides a flat 5% cashback on almost all online transactions without merchant-specific restrictions
Cashback is automatically credited to the next month's statement, removing the hassle of manual redemption or conversion fees
Reasonable annual fee of ₹999 which is easily waivable with a ₹2 Lakh annual spend
Monthly cashback limits were severely devalued in April 2026 (Now strictly split as max ₹2,000 from online and max ₹2,000 from offline)
Does not offer any welcome benefits, milestone bonuses, or complimentary airport lounge access
Large number of excluded categories including rent, fuel, government payments, and digital gaming
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI Cashback Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about SBI Cashback Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI Cashback Credit Card has an annual fee of ₹999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "None. This card focuses purely on direct statement cashback rather than upfront welcome bonuses.".
SBI Cashback Credit Card earns Cashback at a primary rate of Up to 5% Cashback. Specifically, Earn 5% cashback on all eligible online spends (capped at ₹2,000 per statement cycle). Earn 1% cashback on all offline spends and utility bills (separately capped at ₹2,000 per statement cycle). Spends on rent, fuel, wallet loads, EMI, digital gaming, jewelry, and government payments do not earn any cashback.. Spends in Shopping, Cashback categories provide the maximum valueback per transaction on this card.
Rewards earned on SBI Cashback Credit Card can be redeemed for Auto-credited to the credit card statement in the following month via SBI's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
A CIBIL credit score of 720 or above is strongly recommended for approval of SBI Cashback Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI Cashback Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
SBI Cashback Credit Card levies a forex markup fee of 3.5% of the transaction amount + 18% GST (Effective 4.13%) on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI Cashback Credit Card currently features a welcome offer: "None. This card focuses purely on direct statement cashback rather than upfront welcome bonuses.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Provides a flat 5% cashback on almost all online transactions without merchant-specific restrictions and Cashback is automatically credited to the next month's statement. However, keep in mind that Monthly cashback limits were severely devalued in April 2026 (Now strictly split as max ₹2 and 000 from online and max ₹2. Overall, SBI Cashback Credit Card delivers strong value if your regular spending aligns with Shopping, Cashback.
SBI Cashback Credit Card is focused on Shopping and Cashback valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, SBI Cashback Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
