The Cashback SBI Card is a great option for people who shop online often. It offers up to 5% cashback on all online purchases—no matter which website, brand, or platform you use. Whether you’re buying clothes, groceries, booking travel, or ordering food, you can save more with every spend. Unlike many other cards that give rewards only on selected brands or categories, this card gives cashback on almost everything you buy online.

Note: The Cashback SBI Card offers up to 5% cashback on online spends with no merchant restrictions, auto-crediting cashback to your statement. However, there's a ₹5,000 monthly cap and no cashback on utility bills, rent, fuel, or wallet loads. Annual fee waiver is available on ₹2 lakh yearly spend.

Cashback SBI Bank Credit Card Rewards Program

5% Cashback on all online spends (no merchant restrictions)
1% Cashback on all offline spends
Maximum Cashback Limit: ₹5,000 per monthly billing cycle
No Cashback On: fuel, wallet loads, rent payments, jewellery purchases, school and educational services, utility bills, insurance, card/gift/souvenir shops, railways, quasi-cash transactions, member financial institutions.

Other Features and Benefits

Renewal Fee Waiver

Annual renewal fee of ₹999 can be waived on annual spends of ₹2 lakh.

Fuel Surcharge Waiver

1% waiver on fuel transactions worth ₹500–₹3,000
Maximum benefit: ₹100 per billing cycle

Contactless Advantage

Tap to pay—fast, safe, and convenient
Minimizes card loss and fraud risks

Global Acceptance

Accepted at over 24 million outlets worldwide, including 3.25 lakh+ in India
Usable at all VISA-accepting merchants

Add-on Cards

Available for spouse, parents, siblings, or children (18+ years)
Up to 3 add-on cards issued free of cost

Utility Bill Payment Facility

Pay electricity, mobile, telephone, and other utility bills via Easy Bill Pay

Balance Transfer on EMI

Transfer outstanding balance from other credit cards to the Cashback SBI Card
Pay via EMI at low interest rates

Cash on the Go

Withdraw cash at over 1 million MasterCard and Visa ATMs worldwide

Fees and Charges

Type of Fee	Amount
Joining Fee	Rs.999
Renewal Fee	Rs.999 (Waived if you spend Rs.2 lakh in the previous year)
Add-on Fee	Nil
Cash Advance Fee	2.5% or Rs.500 (whichever is higher)
Finance Charges	3.75% per month (45% p.a.)
Cash Payment Fee	Rs.250 plus taxes
Late Payment Fee	NIL: Outstanding amounts ranging from Rs.0-Rs.500 on the payment date Rs.400: Outstanding amounts more than Rs.500 to Rs.1,000 Rs.750: Outstanding amounts more than Rs.1,000 to Rs.10,000 Rs.950: Outstanding amounts more than Rs.10,000 to Rs.25,000 Rs.1,100: Outstanding amounts more than Rs.25,000 to Rs.50,000 Rs.1,300: Outstanding amounts more than Rs.50,000
Overlimit Fee	2.5 % of the over-limit amount or Rs.600 (whichever is higher)
Payment Dishonor Fee	2% of the payment amount (minimum Rs.500)
Rewards Redemption Fee	Rs.99
Cheque Payment Fee	Rs.100
Card Replacement Fee	Rs.100 to Rs.250 (Rs.1,500 for Aurum cardholders)
Foreign Currency Transaction Fee	3.5%

Things to Know Before you apply

Get this card if:

You prefer online shopping and want to maximize cashback on those spends
You want cashback benefits, not rewards points
You’re looking for a card with no brand or merchant restrictions on cashback
You prefer automatic cashback credit to your account without any redemption steps

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Cashback SBI Bank Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Cashback SBI Bank Credit Card Hilights

What do we like about this card?

5% cashback on all online spends (up to ₹10,000 cashback per month)
1% cashback on all offline and utility bill spends
No merchant restrictions – works across all online platforms
Cashback is automatically credited to your statement within 2 days of bill generation
Renewal fee waiver on annual spends of ₹2 lakh
Supports contactless payments for faster and safer transactions

Pros

Up to 5% cashback on card spends
No merchant restrictions on cashback benefits
Auto-credit of cashback—no need for point conversion
Renewal fee waiver is easy to achieve with ₹2 lakh annual spend

Cons

No cashback on utility bills, rent payments, wallet loads, fuel, and select categories
No lounge access or other travel-related benefits
Cashback capped at ₹5,000 per statement cycle
No rewards points system – cashback only
High annual fee of ₹999 if ₹2 lakh annual spend is not achieved

SBI Bank Credit Card Contact Details

SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
Simply SMS: Send an SMS to 5676791 from your registered mobile number.

Frequently Asked Questions

Everything you need to know about this credit card

The Cashback SBI Card has a joining fee of Rs. 999 plus applicable taxes.

You earn 5% cashback on all online purchases without any merchant restriction.

The card offers 1% cashback on all offline transactions.

Yes, you get a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India.

Your cashback earned on this card will be credited directly to your SBI Card account within 2 days of the next statement generation.

Yes, you can apply for the Cashback SBI Card through the official SBI Card website. The application process is digital and requires personal, professional, and KYC details.

Yes, with this card you get four free domestic airport lounge visits every year, limited to one visit per quarter.

Yes, you can get add-on cards for family members such as parents, spouse, children, or siblings over 18 years old.