Cashback SBI Credit Card
- Updated On: 13 March, 2026
The SBI Cashback Credit Card is a popular offering from SBI Card. As the name suggests, it is a cashback-focused credit card that provides cashback on eligible transactions made with the card. One of its key advantages is simplicity; cardholders do not have to track reward points or go through the process of redeeming them for different products or services. The card comes with an annual fee of ₹999, which can be waived if the cardholder spends ₹2 lakh or more in the previous year.
With this card, users can earn up to 5% cashback on online spends (capped at ₹2,000 per month) and 1% cashback on offline spends (also capped at ₹2,000 per month). The cashback is automatically credited to the cardholder’s statement, making it simple and hassle-free to use. Cardholders also get additional benefits, such as a fuel surcharge waiver.
The SBI Cashback Credit Card is considered a well-established option by many and remains a strong entry-level credit card for those looking to earn straightforward cashback on their spending. You can read our detailed SBI Cashback Credit Card review to learn more about its features and benefits.
Cashback SBI Credit Card
( 4.7 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
5% Cashback for Online Spends Up to ₹2,000 and 1% Cashback for Offline Spends Up to ₹2,000. Maximum Cashback of ₹4,000 in a Statement Cycle
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
5% Cashback for Online Spends Up to ₹2,000 and 1% Cashback for Offline Spends Up to ₹2,000. Maximum Cashback of ₹4,000 in a Statement Cycle
Reward Redemption
Cashback Earned on the Card is Automatically Credited to the Cardholder’s Statement in The Following Month
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
The annual fee can be waived on spending Rs. 2,00,000 or more in the previous year.
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5% + GST
Interest Rates
3.75% per month (45% per annum)
Fuel Surcharge Waiver
1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India. (waiver capped at Rs. 100 per statement)
Cash Advance Charges
2.5% of the amount withdrawn or a minimum charge of Rs. 500.
Product Details
- Get 5% cashback on every online transaction (maximum ₹2,000 cashback per month).
- 1% cash back on every offline transaction.
- Spend-based annual fee waiver.
- 1% fuel surcharge waiver capped at ₹100 per month.
Pros/Cons
Pros
- Decent 5% cashback on online and 1% cashback on offline spends.
- The monthly cashback cap of ₹5,000 is high when compared to other cashback cards.
- Great for online spending, as most cashback cards don’t offer 5% back and have lower rewards.
Cons
- Several categories are excluded from 1% cashback.
- It can be hard to reach the spend-based waiver, as many major spend categories don’t accrue cashback.
- During online sales, you do not get an instant discount on the cashback card.
Up to 5% Cashback on Online Spends
The Cashback SBI Card comes with a great cashback reward rate, and the cardholders can earn lots of cashback for every transaction. The following are the detailed features and benefits of the Cashback Card by SBI Bank:
| Transactions | Cashback |
| Online | 5% |
| Offline | 1% |
Cashback Explained
The card now follows a revised cashback structure from 1st April 2026. Cardholders can earn 5% cashback on online spends (capped at ₹2,000) and 1% cashback on offline spends (capped at ₹2,000) per statement cycle. This means the maximum cashback that can be earned in a statement cycle is ₹4,000.
For example, suppose you made online transactions worth ₹50,000 in a month that are eligible for 5% cashback, and offline transactions worth ₹2,00,000 eligible for 1% cashback.
- 5% of ₹50,000 = ₹2,500
- 1% of ₹2,00,000 = ₹2,000
The total cashback comes to ₹4,500. However, due to the revised limits, you will only receive ₹4,000, as ₹2,000 is the maximum allowed from online spends and ₹2,000 from offline spends.
Even if your spending exceeds these amounts, the cashback will remain restricted to ₹4,000 per statement cycle under the new structure.
Cashback Redemption
The cashback earned with the Cashback SBI Card is auto-credited within two days of the card’s following statement.
Therefore, if your statement is generated on the 6th of every month (let’s assume the 6th of September), then the cashback earned on the 7th of August – 6th of September cycle will be credited after two days of your statement generation, i.e., on the 8th of September.
Exclusions on Cashback
The following spend categories are not eligible for Cashback –
- Jewelry
- Rental
- Wallet
- Fuel
- School and Educational Services
- Insurance Services
- Utilities
- Railways
- Card, Gift, Novelty & Souvenir Shops
- Quasi Cash/Member Financial Institution
- Digital Gaming Platforms/Merchants
- Tolls
- Government Related Transactions
Other Features & Benefits
Annual Fee Waiver
The Annual Fee of Rs. 999 associated with the Cashback SBI Card can be waived on spending Rs. 2 Lakh or more in the last year.
Fuel Surcharge Waiver
Get a 1% waiver on the fuel surcharge applicable on fuel transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India. The maximum waiver that can be claimed is capped at Rs. 100 per statement cycle.
How to Apply for a Cashback SBI Card?
If you are interested in getting the Cashback SBI Card, then you can follow any of the online or offline methods. To apply offline, visit the nearest SBI Branch and fill in the application form. However, for the online procedure, follow the steps given below:
- Click on the “Apply Now” button on the page,
- Proceed further by filling in all the required details
SBI Cashback Credit Card Review
The SBI Cashback Credit Card offered by SBI Card is an excellent card in terms of the cashback benefit it provides. With this card, you can get up to 5% cash back on every online spend and 1% on offline spends. Therefore, this card would be a wise choice for someone who wants to save instantly for their transactions. However, the annual fee charged with the card is slightly on the higher side, keeping in mind the benefits it provides, but the annual fee waiver justifies the same.
Also, let us know your views on the card in the comment section below, and whether or not you are going to apply for the card.
FAQs:
What is the maximum cashback you can earn with the SBI Cashback Credit Card?
Cardholders can earn 5% cashback on online spends (capped at ₹2,000) and 1% cashback on offline spends (capped at ₹2,000) per statement cycle. This means the maximum cashback that can be earned in a statement cycle is ₹4,000.
Can I make contactless payments with the card?
Yes, the Cashback SBI card offers the contactless payment option, where you can make a transaction below Rs. 5,000 without entering the PIN.
Can I use Cashback for booking tickets or for product purchases?
No, the cashback earned with the card is automatically credited to the card’s next statement.
Can I use the Cashback SBI Credit Card for my business transactions?
No, the Cashback SBI Card is a personal card and can not be used for business purposes. If the cardholder is found to be using the card for such purposes, then the SBI has the right to cancel the card membership for the primary as well as for add-on cardholders.
17 comments
Aditya
Hi, I called customer care last week to make my SBI Cashback card LTF. They registered my request. Today I called them again to check the status and they told me my card has been made LTF. Bt I have not received any SMS or email regarding this. Can u tell how to check that my card is LTF
Aman
Good card
Kartik Kanwar
One of the best.
Aniket Kumar Ghosh
Am I eligible to get 5% cashback if I buy gift card from amazon pay using this card ?
Kartik Kanwar
Although there are conflicted views on this, I think you shall be eligible for 5% cashback for Amazon Pay voucher purchase. Many people have cleared this up online. Still do one thing make a small transaction and confirm first.
Vijay
Yes, 5% Cashback available upto transactions of Rs.1 lakh. I regulary get 5% Cashback with Agoda app for bookings of Hotel & Air tickets.
Sunil Reddy
Do I get 5% cashback on booking through travel websites like MakeMyTrip, Goibibo, and Ixigo, or even when I book directly on airline websites?
Divyansh
This card was so good, then they revoked lounge access.
Kamal
How much cashback will i earn on paying to a seller in paywith indiamart? Anyone tried ?
Credit Card User
Will I get 5% Cashback on international online payments?
Love Nadheria
Will i be eligible for 5% cashback on lic payment , car insurance through phone pay ya google pay app
Akram rarani
This card is rupay network available
Kartik Kanwar
No. You shall not receive any cashback on payments made towards insurance.
Anuj Gupta
Pay your LIC premium via Amazon Pay using SBI Cashback Card to get 5% cashback.
Kartik Kanwar
I think you meant to write that people can purchase Amazon gift vouchers and get the cashback and then pay their premiums through Amazon Pay.
Ashutosh Mishra
Will i be eligible for 5% cashback on lic payment made online
Kartik Kanwar
There is no cashback for insurance payments.