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SBI Cashback Credit Card

(4/5)
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The SBI Cashback Credit Card is India’s best cashback credit card, offering unbeatable cashback rates on online spending across various websites and apps. Beyond its impressive cashback rates, the card’s biggest USP is its simplicity. It is easy to understand and manage, making it a hassle-free option that keeps life simple. Cashback is automatically credited directly to your credit card statement, eliminating the need for any manual effort.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining & Renewal Benefits

No Joining and Renewal benefits with this credit card

Cashback and Rewards

  • 5% Cashback on all online spend
  • 1% Cashback on all offline spend
  • Maximum cashback across online and offline spend Rs.5,000 per monthly statement cycle
  • This credit card would not be eligible for instant discount offers of SBI which we frequently see on online and offline stores. For such instant discount offers of SBI, users need to keep any other SBI Credit Card.

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver on transactions of Rs. 500 to Rs. 3,000, exclusive of GST and other charges. Get maximum surcharge waiver of Rs. 100 per statement cycle

Forex Mark-up Charges

3.5% plus GST (4.13% including GST)

Joining & Renewal Benefits

No Joining and Renewal benefits with this credit card

Cashback and Rewards

  • 5% Cashback on all online spend
  • 1% Cashback on all offline spend
  • Maximum cashback across online and offline spend Rs.5,000 per monthly statement cycle
  • This credit card would not be eligible for instant discount offers of SBI which we frequently see on online and offline stores. For such instant discount offers of SBI, users need to keep any other SBI Credit Card.

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver on transactions of Rs. 500 to Rs. 3,000, exclusive of GST and other charges. Get maximum surcharge waiver of Rs. 100 per statement cycle

Forex Mark-up Charges

3.5% plus GST (4.13% including GST)

Reward Redemption

Cashback is directly credited in to the credit card statement without any manual efforts.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 1179
Renewal fee
(INR including GST)
₹ 1179
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 200000

Pros

Aspects that make this credit card amazing.

  • Highest real cashback rate across thousands of websites and apps
  • Real cashback directly credited to credited statement without any manual efforts
  • Very easy to understand and manage

Cons

Aspects this credit card lacks.

  • This credit card would not be eligible for instant discount offers of SBI which we frequently see on online and offline stores.
  • No benefits against the payment of joining fee and renewal fee
  • No lifestyle benefits

Spend Categories with No Cashback / Rewards

No cashback on following spend categories

  • Fuel
  • EMI
  • Wallet Loading
  • Rent and Property Management
  • Jewellery and Gold
  • Education related spend
  • Utility bills
  • Insurance
  • Card, Gift, Novelty & Souvenir Shops
  • Railways transactions
  • Government related transactions
  • NPS payment
  • Payments made using Standing Instructions / Fetch and Pay on SBI Card platforms (Website / Mobile App / Chatbot ILA)

Add-on Cards

Complimentary add-on cards available for close family members

Eligibility Criteria

  • Age: 21 years or above
  • For Indian residence only
  • Income: Rs.5 Lacs or above

Upcoming Changes

N/A

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(4/5)

SpendWisely’s Rating for this Credit Card

(4/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(5)
Lifestyle Benefits
(1)
Ease of Reward Redemption
(5)
Value for Money
(5)
Customer Service
(4)

The SBI Cashback Credit Card is a top choice for anyone in India looking for a straightforward and rewarding cashback experience. It offers an impressive 5% real cashback on online purchases across various sites and apps, making it ideal for those who frequently shop online. For offline spending, you’ll still earn a decent 1% cashback. The card provides up to Rs. 5,000 in cashback per monthly statement cycle, which is automatically credited to your credit card statement with no extra effort required. This card is perfect for individuals who prefer a simple, no-fuss rewards system without the complexity of travel points or air miles. If you value simplicity and ease of use, the SBI Cashback Credit Card is an excellent option.

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(3.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
1%
Accelerated Reward Rate
7%
(3.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
1%
Accelerated Reward Rate
7%
More Details
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
5%
(4/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
5%
More Details
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 1770
Renewal fee
(INR including GST)
₹ 1770
Base Reward Rate
1%
Accelerated Reward Rate
7.5%
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 1770
Renewal fee
(INR including GST)
₹ 1770
Base Reward Rate
1%
Accelerated Reward Rate
7.5%
More Details
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
(2.6/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
More Details
(3.2/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.2%
Accelerated Reward Rate
4%
(3.2/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.2%
Accelerated Reward Rate
4%
More Details
(3.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
0.25%
Accelerated Reward Rate
3.25%
(3.6/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
0.25%
Accelerated Reward Rate
3.25%
More Details

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

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