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Last updated: 01-06-2026
Cashback SBI Card
SBI Card

Cashback SBI Card

"Flat 5% cashback on all online spends โ€” no merchant restrictions"

โ˜…โ˜…โ˜…โ˜…โ˜… 4.5/5 (2 ratings)
Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น999 + GST
๐Ÿ”„ Renewal Fee
โ‚น999 + GST
Waived: Waived on annual spends of โ‚น2 lakh or more in previous membership year
๐ŸŽฏ Best Suited For
Frequent online shoppers, those who want simple cashback without points redemption hassle
๐ŸŽ Reward Type
Direct Cashback (auto-credited to statement โ€” no redemption needed)
๐ŸŽ‰ Welcome Benefit
Welcome cashback credited on first transaction as per prevailing offer at time of issuance
๐Ÿ’ฐ Reward Rate
5% cashback on all online spends (capped at โ‚น2,000 per statement cycle); 1% cashback on all offline spends (capped at โ‚น2,000 per statement cycle); maximum total cashback โ‚น4,000 per cycle
โœˆ๏ธ Lounge Access
Not available on this card
๐Ÿ’ต Cashback Rate
5% on online spends (all merchants, no platform restrictions); 1% on offline spends
โญ Rate this Card
Click to rate
โœ… Pros
  • Flat 5% cashback on ALL online spends โ€” no merchant or brand restrictions
  • Cashback auto-credited, no points redemption needed
  • Simple and transparent reward structure
  • 1% cashback on offline spends too
  • Low annual fee of โ‚น999, waived at โ‚น2L spend
โŒ Cons
  • Monthly cashback capped at โ‚น2,000 for online and โ‚น2,000 for offline
  • No airport lounge access
  • No travel benefits
  • Fuel, rent, wallet loads, jewellery, education, utilities excluded from cashback
  • High forex markup of 3.5%

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback (auto-credited to statement โ€” no redemption needed)
Welcome Benefits
Welcome cashback credited on first transaction as per prevailing offer at time of issuance
Reward Rate
5% cashback on all online spends (capped at โ‚น2,000 per statement cycle); 1% cashback on all offline spends (capped at โ‚น2,000 per statement cycle); maximum total cashback โ‚น4,000 per cycle
Reward Redemption
Cashback auto-credited directly to statement within 2 working days of statement generation โ€” no action required
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions between โ‚น500 and โ‚น3,000; maximum waiver โ‚น100 per statement cycle
Lounge Access
Not available on this card
Spend Based Fee Waiver
Annual renewal fee (โ‚น999) waived on spending โ‚น2 lakh or more in the membership year
Milestone Benefits
No milestone benefits
Other Benefits
No cost EMI on select merchant transactions; contactless payment enabled

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Personal accident insurance cover as per SBI Card policy
Add-on Cards
Add-on cards available for family members at no additional fee
Concierge Services
Details coming soon
Special Offers
Exclusive offers during SBI Card festive sale campaigns

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น999 + GST
Annual Fee / Renewal Fee
โ‚น999 + GST
โœ“ Waived on: Waived on annual spends of โ‚น2 lakh or more in previous membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 (due up to โ‚น500); โ‚น400 (โ‚น501โ€“โ‚น1,000); โ‚น750 (โ‚น1,001โ€“โ‚น10,000); โ‚น950 (โ‚น10,001โ€“โ‚น25,000); โ‚น1,100 (โ‚น25,001โ€“โ‚น50,000); โ‚น1,300 (above โ‚น50,000)
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Cash advance fee: 2.5% or โ‚น500, whichever is higher; Foreign currency transaction fee: 3.5%

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21โ€“70 years; salaried or self-employed; minimum monthly income โ‚น20,000 (varies by city and profile); good credit history required
Credit Score Requirement
700+ CIBIL score recommended
Credit Limit
Based on income and credit profile; communicated at time of card approval

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay: convert transactions above โ‚น500 to EMI with tenures of 3โ€“24 months
Balance Transfer Facility
Balance transfer available from other bank credit cards; transfer amount minimum โ‚น5,000, up to 75% of credit limit
Balance Transfer Interest Rate
As per prevailing SBI Card rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant card block via SBI Card app, website, or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero lost card liability on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting card as lost/stolen

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 180 1290 / 39 02 02 02 (prefix local STD code); 24x7
Chat / Email Support
Chat support via SBI Card app and website; email at customercare@sbicard.com
Mobile App
SBI Card mobile app: track transactions, pay bills, generate OTP, manage limits
Online Banking
Full account management via SBI Card website: statements, payments, offers, EMI management

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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