Cashback SBI Card
Updated on August 19, 2026
🎖️Reward Rate
1% cashback on offline POS and retail purchases.
Overview
Get 5% cashback on all online spends without any merchant restriction with Cashback SBI Card. 1% on offline spends, auto-credited to your SBI Card statement.
Rewards
Reward Type
Cashback
Reward Rate
1% cashback on offline POS and retail purchases.
Welcome Benefit
₹0 default welcome voucher (pure cashback product focused on ongoing 5% return).
Milestone Benefit
Annual renewal fee waiver on spending ₹2,00,000 spend in preceding anniversary year
Redemption
100% automated credit to credit card statement. No points tracking or manual redemption required.
Benefits
- 5% Cashback on all online spends across all eCommerce platforms without merchant restrictions
- 1% Cashback on all offline POS retail and physical store spends
- Cashback auto-credited directly to SBI Card monthly billing statement within 2 days
- Generous monthly capping of ₹5,000 cashback per billing cycle (₹60,000 annual savings potential)
- 1% Fuel Surcharge Waiver across all petrol stations in India
- Annual renewal fee waived on annual spends of ₹2,00,000
- No specific merchant tie-in — works across all online retailers.
- High monthly cap of ₹5,000 cashback (on ₹1,00,000 online monthly spend).
- Direct balance deduction on statement.
Things to Know Before you apply
Cashback SBI Card Eligibility Criteria
- Age: 21–65 years
- Salaried: > ₹25,000/month; Self-Employed: ITR > ₹5,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Cashback SBI Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
Fee waiver: ₹2,00,000 spend in preceding anniversary year
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Cashback SBI Card issued by SBI Card is a top choice in India for targeted category spend. It features 3.50% + GST forex markup and generous reward multipliers.
Pros
- • No specific merchant tie-in — works across all online retailers.
- • High monthly cap of ₹5,000 cashback (on ₹1,00,000 online monthly spend).
- • Direct balance deduction on statement.
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • ₹0 default welcome voucher (pure cashback product focused on ongoing 5% return).
- • 100% Lifetime Free benefit from Day 1.
- • Swiggy One & Times Prime memberships upon achieving ₹75k spend in 90 days.
- • 1% cashback on offline POS and retail purchases.
- • 2 Reward Points for every ₹100 spent (0.50% return).
- • 4 Reward Points for every ₹150 spent (1 RP = ₹0.50 = 1.33% return on SmartBuy flights/hotels).
- • No specific merchant tie-in — works across all online retailers.
- • High monthly cap of ₹5,000 cashback (on ₹1,00,000 online monthly spend).
- • Direct balance deduction on statement.
- • 100% Lifetime Free with no minimum spend requirements.
- • Up to 15% dining discounts via ICICI Culinary Treats.
- • Eligible for all ICICI Bank instant discount sales on Amazon, Flipkart, and Apple.
- • Low 2.0% forex markup on all overseas transactions.
- • Save up to ₹6,000 per year on BookMyShow movie tickets.
- • 8 Global airport lounges (domestic and international) per year.
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified