Cashback SBI Card
Updated on August 25, 2026
🎖️Reward Rate
Reward Rate — Online spends - Base cashback rate: 5% Cashback on Online* Spends — no merchant restriction (asterisk suggests exclusions in T&C, not detailed on this page)
Rewards
Reward Type
Cashback
Reward Rate
- • Reward Rate — Online spends - Base cashback rate: 5% Cashback on Online* Spends — no merchant restriction (asterisk suggests exclusions in T&C, not detailed on this page)
- • Reward Rate — Offline spends - Base cashback rate: 1% Cashback on Offline* Spends
- • Reward Rate - Crediting mechanism: Cashback auto-credited to SBI Card Account within 2 working days of the next statement generation
- • Reward Rate - Excluded categories: Not itemized on Benefits/Privileges/Rewards tabs reviewed (implied by '*' next to Online/Offline Spends)
Welcome Benefit
Welcome Benefit - Sign-up benefit: No distinct 'Welcome Benefit' section shown — official page's 'Card Cashback' benefit is the everyday 5%/1% rate, not a one-time welcome perk
Redemption
Redemption - How cashback is paid out: Cashback auto-credited to SBI Card Account within 2 working days of next statement generation
Things to Know Before you apply
Cashback SBI Card Eligibility Criteria
- Age: 21–65 years
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Fees - Cash Advance Fee: Not shown in reviewed screenshots; Features - Cash access / ATM withdrawal: Cash Access Across the World: withdraw cash from over 1 million Visa/Mastercard ATMs globally |
Fee waiver: Milestone Benefit - Renewal fee waiver: Spend Based Reversal: reversal of renewal fee on annual spends of Rs. 2 Lakhs; Renewal Fee is reversed if annual spends for last year ≥ Rs. 2,00,000; Fuel Surcharge Waiver - Waiver terms: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India; maximum waiver of Rs. 100 per statement cycle, per credit card account
PaisaSimple Review
Overall Rating
5.0/5Compare with Similar Cards
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- • Welcome Benefit - Sign-up benefit: No distinct 'Welcome Benefit' section shown — official page's 'Card Cashback' benefit is the everyday 5%/1% rate, not a one-time welcome perk
- • ₹1,000 cashback upon retail spends of ₹20,000 or more within 30 days of card issuance
- • Qualification Criteria: Spend ₹20,000 within first 30 days
- • Fulfillment Timeline: 45 days post criteria completion
- • ₹350 worth of activation benefits + ₹250 Flipkart voucher on first transaction within 30 days (not for first-year-free cards
- • only paid cards with Joining+Annual fee qualify) + 50% off up to ₹100 on Swiggy (code AXISFKNEW) for first-time Swiggy users
- • Reward Rate — Online spends - Base cashback rate: 5% Cashback on Online* Spends — no merchant restriction (asterisk suggests exclusions in T&C, not detailed on this page)
- • Reward Rate — Offline spends - Base cashback rate: 1% Cashback on Offline* Spends
- • Reward Rate - Crediting mechanism: Cashback auto-credited to SBI Card Account within 2 working days of the next statement generation
- • Reward Rate - Excluded categories: Not itemized on Benefits/Privileges/Rewards tabs reviewed (implied by '*' next to Online/Offline Spends)
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Accelerated Rewards: 10% Accelerated Cashback on dining, Zomato, Swiggy, and supermarket grocery spends (max ₹1,000/cycle) + 1.5% uncapped cashback on everything else.
- • Excluded Categories: Fuel, Rent, Wallet loads, EMI
- • Top-tier cashback rate — Myntra: 7.5% cashback on Myntra spends, capped at ₹4,000 per statement quarter
- • Top-tier cashback rate — Flipkart: 5% cashback on Flipkart and Cleartrip spends, capped at ₹4,000 per statement quarter per merchant
- • Preferred merchant cashback (4%): Unlimited 4% cashback on 'Preferred Merchants' (list not fully visible in captured screenshots)
- • Cleartrip is actually grouped in the 5%-capped tier per official site, not the 4% tier
- • Base Rewards: 10% Cashback per ₹100 (10% Accelerated Cashback on dining, food delivery (Zomato, Swiggy), and grocery spends (capped at ₹1,000 per billing cycle))
- • 1.5% Unlimited Cashback per ₹100 (1.5% Unlimited flat cashback on all other eligible online and offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5% Cashback per ₹100 (5% unlimited cashback on Flipkart & Myntra)
- • 4% Cashback per ₹100 (4% cashback on preferred partner merchants (Swiggy, PVR, Uber, Tata 1mg, Cleartrip))
- • 1% Cashback per ₹100 (1% unlimited cashback on all other eligible retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions