Cashback SBI Card
SBI Card · Entry · cashback card
Annual / renewal fee
₹999 + applicable taxes.
VerifiedSBI Card - Key Fact Statement26 Jul 2026, 1:51 AM ISTSBI Card
Earn rate
5% cashback on online spends and 1% cashback on offline spends (POS at merchant outlets).
VerifiedSBI Card - Revision in CASHBACK SBI Card benefits (effective 1 April 2026)26 Jul 2026, 1:51 AM ISTSBI Card
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at tjzuh.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at tjzuh.com — if a different card is shown first, use its card selector to pick this one.
Overview
India's simplest flat-cashback card: 5% on any online merchant, auto-credited to your statement. Devalued effective 1 April 2026 with tighter caps and new exclusions — still strong for online-first spenders who stay inside the limits.
Best for
- Online-first spenders with ₹20–40k/month of eligible purchases.
- People who want zero redemption effort — cashback auto-credits to the statement.
- First premium-adjacent card holders who want simple, predictable value.
Official source not yet captured
Not ideal for
Anyone routing government, tax, toll, utility, or rent payments (all excluded), heavy spenders who blow past the ₹2,000 monthly cap, or travellers wanting lounge access.
Official source not yet captured
Fees
Joining fee
₹999 + applicable taxes.
VerifiedSBI Card - Key Fact Statement26 Jul 2026, 1:51 AM ISTSBI Card
Annual / renewal fee
₹999 + applicable taxes.
VerifiedSBI Card - Key Fact Statement26 Jul 2026, 1:51 AM ISTSBI Card
Fee waiver
Renewal fee waived on annual spends of ₹2,00,000 or more in the preceding year.
VerifiedSBI Card - Key Fact Statement26 Jul 2026, 1:51 AM ISTSBI Card
Rewards
5% cashback on online spends and 1% cashback on offline spends (POS at merchant outlets).
VerifiedSBI Card - Revision in CASHBACK SBI Card benefits (effective 1 April 2026)26 Jul 2026, 1:51 AM IST
Plain math
₹40,000 of eligible online spend per month earns the full ₹2,000 cap — about ₹24,000 cashback a year against a ₹999 fee. Spending beyond ₹40k/month online earns nothing extra.
Reward cap
Effective 1 April 2026, cashback is capped per statement cycle at ₹2,000 on online spends and ₹2,000 on offline spends - a maximum of ₹4,000 per statement cycle.
VerifiedSBI Card - Revision in CASHBACK SBI Card benefits (effective 1 April 2026)26 Jul 2026, 1:51 AM ISTSBI Card
Reward exclusion
VerifiedSBI Card - Revision in CASHBACK SBI Card benefits (effective 1 April 2026)26 Jul 2026, 1:51 AM ISTSBI Card
Travel & lounge
Lounge access
- Domestic: 0.
- International: 0.
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
None.
Official source not yet captured
Golf
Standard golf benefits where applicable.
Official source not yet captured
Dining
Curated dining program.
Official source not yet captured
Insurance
Travel + purchase insurance.
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.5% of the transaction value.
VerifiedSBI Card - Key Fact Statement26 Jul 2026, 1:51 AM ISTSBI Card
Charge
- Finance charge 3.75% per month (45% per annum) on unsecured cards.
- Cash advance fee 2.5% of the amount (minimum ₹500).
- Dynamic currency conversion markup 3.5%. 1% fuel surcharge waiver (excluding GST) on eligible fuel transactions.
- A ₹199 processing fee applies to every rent transaction, and a 1% fee applies to utility spends above ₹50,000 per billing cycle, to wallet loads above ₹1,000, and to education payments via third-party apps.
- Rewards redemption fee ₹99.
VerifiedSBI Card - Key Fact Statement26 Jul 2026, 1:51 AM ISTSBI Card
Interest-free period
20 to 50 days on retail purchases, when the previous statement balance is paid in full.
VerifiedSBI Card - Key Fact Statement26 Jul 2026, 1:51 AM ISTSBI Card
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Cashback SBI Card?
Officially traced: ₹999 + applicable taxes.
SBI Card - Key Fact StatementWhat is the joining fee on the Cashback SBI Card?
Officially traced: ₹999 + applicable taxes.
SBI Card - Key Fact StatementIs the Cashback SBI Card annual fee ever waived?
Renewal fee waived on annual spends of ₹2,00,000 or more in the preceding year.
SBI Card - Key Fact StatementHow does the Cashback SBI Card earn rewards?
5% cashback on online spends and 1% cashback on offline spends (POS at merchant outlets).
SBI Card - Revision in CASHBACK SBI Card benefits (effective 1 April 2026)What are the transfer ratios for Cashback SBI Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Cashback SBI Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.sbicard.com/en/cardholder-agreement.page.
Verifiedlounge_travel19 Aug 2026, 1:21 PM ISTSBI Card
Verified 2026-08-19 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
( Continue exploring )