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CASHBACK CARD

CASHBACK SBI Card

SBI Card

Offers 5% cashback on online spends without merchant restriction and 1% on offline spends, with listed exclusions, plus a 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000.

No cashback on utilities, insurance, fuel, rent, wallets, education, jewellery, railways and more. Renewal fee is reversed only at ₹2,00,000 annual spends. Online and offline are marked with an asterisk.

CASHBACK SBI Card
ANNUAL FEE
₹999 + GST
JOINING FEE
₹999 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5% cashback on online spends without any merchant restriction
BEST FOR
Included: May suit cardholders whose spending is mostly online and outside the excluded categories.
Included: May suit online spends across merchants with no merchant restriction.
Included: May suit those who can reach ₹2,00,000 annual spends for the renewal fee reversal.
Limitation: Spends on utilities, insurance, fuel, rent, wallets, education, jewellery or railways may wish to compare other cards.
Limitation: Those who spend mostly offline, where cashback is 1% against 5% online may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Cashback is auto-credited to the SBI Card account within two working days of the next statement generation.
Condition: Fuel surcharge waiver applies on transactions between ₹500 and ₹3,000, maximum ₹100 per statement cycle per card account.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹999 + GST
Annual / renewal fee
₹999 + GST
Fee waived at
Renewal fee reversed if last year's annual spends are ₹2,00,000 or more
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% on every transaction between ₹500 and ₹3,000 at all petrol pumps in India; max ₹100 per statement cycle per card account
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Utilities, insurance, fuel, rent, wallets, education, jewellery, railways and more (full list on bank link); Utilities, insurance, fuel, rent, wallets, education, jewellery, railways and more
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 5% cashback on online spends without any merchant restriction
Included: Cashback is auto-credited to the card account within two working days of the next statement generation.
Included: Add-on cards are available for parents, spouse, children or siblings above 18; add-on card fee is Nil.
Included: Balance Transfer on EMI and the Easy Bill Pay utility bill facility are offered; cash can be withdrawn at Visa or Mastercard ATMs worldwide.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.