Annual Fee
₹999
Rewards/₹100 ⓘ
₹1.00 - ₹5.00
Interest Rate
45.00%
Credit Score
750+
Key Benefits
5% online cashback, 1% offline, fuel surcharge waiver
Lounge Access
No complimentary lounge access
Eligibility
Age 21-65, CIBIL 750+, salaried or self-employed
The Cashback SBI Card is one of the best entry-level cashback credit cards in India for online shoppers. Its flat 5% cashback on all online transactions without merchant restrictions is a standout feature that outperforms many competitors. However, the extensive list of excluded categories and lack of premium perks like lounge access limit its appeal for those with diverse spending patterns.
Best For
Frequent online shoppers who want simple, unrestricted 5% cashback on all online purchases without brand or merchant limitations.
Not Ideal For
Users who spend heavily on fuel, rent, utility bills, or wallet top-ups, as these categories are excluded from cashback. Also not ideal for those seeking lounge access or premium travel perks.
All Spends
Online
Redeem your points for cashback, travel, and more
Statement Credit
Cashback is automatically credited to your SBI Card account within two working days of statement generation.
Reversal of renewal fee of Rs. 999 on annual spends of Rs. 2 Lakh or more.
Spend ₹2,00,000 within 365 days
value
See how this card performs in different spending categories compared to other cards.
The Cashback SBI Card is one of the most popular cashback credit cards in India, offering a straightforward 5% cashback on all online transactions without any merchant or brand restrictions. Issued by SBI Card on the Visa network, this entry-level card is ideal for consumers who prefer direct cashback over complicated reward point systems.
With an affordable annual fee of Rs. 999 that can be easily waived with annual spends of Rs. 2 lakh, the card delivers excellent value for regular online shoppers. The monthly cashback cap of Rs. 5,000 means you can earn up to Rs. 60,000 in cashback annually, making it a strong contender in the cashback credit card segment.
The Cashback SBI Card is a cashback-focused credit card issued by SBI Card (SBI Cards and Payment Services Limited). It is designed for individuals who make frequent online purchases and want to earn direct cashback instead of reward points.
The card offers two tiers of cashback on eligible transactions:
The renewal fee of Rs. 999 is reversed if your annual spends in the previous year are Rs. 2,00,000 or more, effectively making it a free card for regular users.
The card supports tap-to-pay contactless transactions for quick and secure payments at POS terminals for amounts up to Rs. 5,000.
You can get up to 2 add-on cards for family members free for a lifetime, extending the same cashback benefits to your family.
Accepted at over 24 million Visa merchant outlets worldwide and more than 3.25 lakh outlets in India.
The Cashback SBI Card does not include complimentary airport lounge access. If airport lounge access is important to you, consider other SBI cards such as the SBI Card ELITE or SBI Card PRIME which offer domestic and international lounge benefits.
The Cashback SBI Card offers a simple two-tier cashback structure:
Cashback is not applicable on the following transaction categories:
Cashback is automatically credited to your SBI Card account within two working days of statement generation. No manual redemption is required. The cashback amount is adjusted against your outstanding balance in the next billing statement.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 999 + taxes |
| Annual/Renewal Fee | Rs. 999 + taxes (waived on Rs. 2L annual spend) |
| Interest Rate (APR) | 3.75% per month (45% per annum) |
| Cash Advance Fee | 2.5% or Rs. 500, whichever is higher |
| Over Limit Fee | 2.5% of overlimit amount or Rs. 600, whichever is higher |
| Foreign Currency Transaction Fee | 3.5% of transaction amount |
| Late Payment Charges | Rs. 400 to Rs. 1,300 (based on outstanding amount) |
| Payment Dishonor/Cheque Return | 2% of payment amount, minimum Rs. 500 |
| Card Replacement | Rs. 100 to Rs. 250 |
| Reward Redemption Fee | Rs. 99 (on physical products and vouchers) |
| Rent Payment Processing Fee | Rs. 199 per transaction |
| Utility Payment Fee | 1% of total utility payments if exceeding Rs. 50,000 per billing cycle |
| Cheque Payment Fee | Rs. 200 |
The Cashback SBI Card is an excellent choice for anyone who makes frequent online purchases and wants hassle-free cashback without worrying about merchant restrictions or reward point redemption. Its flat 5% cashback rate on all online transactions is one of the best in its category, and the generous Rs. 5,000 monthly cap allows you to earn up to Rs. 60,000 annually.
The card is best suited for online shoppers, budget-conscious consumers, and credit card beginners who value simplicity over complex reward programs. However, if your spending is primarily on fuel, rent, utility bills, or if you need travel perks like lounge access, you should consider alternatives that cater to those specific needs.
Last updated: 31 January 2026
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