Overview
The SBI Cashback Credit Card is one of India's best cashback credit cards, offering great cashback rate 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.
Pros
- 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
- 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
Fees & Charges
Joining / Annual Fee
₹ 1,179
Renewal Fee
₹ 1,179
Annual Spend Target for Fee Waiver
₹ 200,000
Minimum Annual Income Required
₹ 300,000
Rewards and Benefits
Reward Rate
5% on online spend; 1% on offline spend
Base Reward Rate
1%
Accelerated Reward Rate
5%
Welcome Benefits
No Welcome Benefit
Renewal Benefits
No Renewal Benefits
Rewards & Cashback Details
- Online Spend: Earn 5% back on online purchases across all merchant categories without brand restrictions, capped at Rs.2,000 per statement cycle (max online spend of Rs.40,000).
- Offline Spend: Earn 1% back on offline purchases, capped at Rs.2,000 per statement cycle.
- Maximum cashback across online and offline spend Rs.4,000 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 Cards such as SBI SimplyClick Credit Card or SBI SimplySave Credit Card
Rewards Redemption
Cashback is directly credited in to the credit card statement without any manual efforts.
Additional Benefits
Domestic Airport Lounge
International Airport Lounge
Railway Lounge Access
Movie Benefits
Dining Benefits
Golf Benefits
Lifestyle Benefits Details
No lifestyle benefit with credit card.Fuel Surcharge Waiver
- Get a 1% waiver on fuel transactions between Rs.500 and Rs.3,000 (maximum waiver of ₹100 per statement cycle).
Forex Mark-up
- 4.13% Forex Mark-up (including GST) on all international transactions. But you get 5% cashback on online transactions and 1% cashback on offline transactions even on international transactions as per the standard feature of the card.
Features & Benefits
Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Gift Cards
Jewellery
Wallet Load
Rewards on EMI
No Cashback / Rewards Categories
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
- Railways
- Tolls
- NPS payment
- Payments made using Standing Instructions / Fetch and Pay on SBI Card platforms (Website / Mobile App / Chatbot ILA)
- Digital Gaming Platforms / Merchants
- Quasi-Cash / Member Financial Institutions
Eligibility & Important Info
Eligibility Criteria
- Age: 21 years or above
- For Indian residence only
- Income: Rs.5 Lacs or above
Add-on Cards
Complimentary add-on cards available for close family membersMedia
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Classification
Card Issuer
Card Network
Card Purpose
Reward Type
Card Category
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