The SBI Cashback Credit Card is designed for those who want to maximize savings on their everyday spending. With 5% cashback on all online transactions and no restrictions on merchants, it offers a seamless and rewarding shopping experience. Whether you shop online, book flights, or dine out, the SBI Cashback Card ensures that you save more with every swipe.
Key Features and Benefits of SBI Cashback Credit Card
1. Flat 5% Cashback on Online Transactions
Enjoy 5% cashback on all online purchases, whether it’s shopping for clothes, ordering food, or booking travel tickets.
Unlike other cards, the Cashback SBI Card has no merchant or platform restrictions.
2. 1% Cashback on Offline Transactions
Earn 1% cashback on offline purchases like groceries, dining, or entertainment.
3. Spend-Based Annual Fee Waiver
Waive off the ₹999 annual renewal fee by spending ₹2 Lakh or more in a year.
4. Fuel Surcharge Waiver
Save 1% on fuel transactions across all petrol pumps in India.*
Capped at ₹100 per statement cycle.
5. Auto-Credited Cashback
Your cashback is automatically credited to your SBI Card account within two working days of your next statement generation.
6. High Cashback Limit
You can earn up to ₹5,000 cashback monthly, meaning online spends of ₹1 Lakh per month are eligible for maximum benefits.
Fees and Charges
Fee Type
Details
Joining Fee
₹999 (one-time)
Annual Renewal Fee
₹999 (waived on ₹2 Lakh annual spends)
Cash Advance Fee
2.5% or ₹500 (whichever is higher)
Finance Charges
3.50% per month (42% per annum)
Late Payment Fee
Varies based on the outstanding amount
Overlimit Fee
2.5% of the over-limit amount (min ₹600)
Rewards Redemption Fee
₹99 per request
Foreign Currency Transaction Fee
3.5% (1.99% for premium cards like Aurum and Elite)
Why Choose SBI Cashback Credit Card Over Others?
Universal Cashback: Unlike other cards that limit cashback to select merchants, the SBI Cashback Credit Card offers 5% cashback on all online transactions, making it the most versatile option.
High Value-Back: Earn up to ₹5,000 cashback monthly across shopping, dining, travel, and more.
User-Friendly Cashback Mechanism: Cashback is auto-credited to your account—no manual claims or redemption processes required.
Perfect for Online Shoppers: If most of your purchases are made online, this card ensures you get the highest rewards without restrictions.
Cost-Effective: With the option to waive the annual fee, the card becomes extremely affordable for high spenders.
SBI Cashback Credit Card Eligibility
To apply for the SBI Cashback Credit Card, you must meet the following criteria:
Age: 21 to 60 years.
Income: Stable income source meeting SBI Card’s requirements.
Fill in your basic details, upload documents, and complete KYC.
Approval:
Once approved, your card will be delivered to your registered address.
FAQs
1. What is SBI Cashback Card?
The SBI Cashback Card is a credit card offering 5% cashback on all online purchases with no merchant restrictions. It’s ideal for frequent online shoppers who want maximum rewards.
2. How to get SBI Cashback Credit Card lifetime free?
While the card is not offered as lifetime free, you can get the annual fee waived by spending ₹2 Lakh annually.
3. How to get SBI Cashback Credit Card?
You can easily apply for the card online via the SBI Card website or through this affiliate link: Click Here to Apply.
4. How to apply for SBI Cashback Card?
Applying is simple:
Visit the SBI Card website or use the affiliate link provided.
Fill in your personal details and submit the required documents.
5. How to check cashback in SBI Credit Card?
Cashback is auto-credited to your SBI Card account within two working days of your next statement generation. You can check the cashback details:
On your monthly statement.
Via the SBI Card mobile app.
6. What is the SBI Credit Card customer care number?
For assistance, contact SBI Card customer care at:
1860 180 1290
39 02 02 02 (prefix with local STD code).
SBI Cashback Credit Card Review
The SBI Cashback Credit Card is one of the best cards for online transactions. Here’s why:
No Merchant Restrictions: You earn 5% cashback across all online platforms, unlike cards like Axis Ace or Flipkart Axis, which limit rewards to specific merchants.
Ideal for High Spenders: With a ₹5,000 monthly cashback limit, this card is perfect for those with high online spending habits.
Affordable Annual Fee: While the joining fee is ₹999, the spend-based waiver makes it cost-effective for frequent users.
Final Thoughts
The SBI Cashback Credit Card is a must-have for anyone who shops online frequently. With no merchant restrictions, a generous cashback policy, and a user-friendly system, it’s a top choice for maximizing your savings.
