About Cashback SBI Credit Card
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 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% |
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Document Required For Cashback SBI 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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Cashback SBI Credit Card Highlights
What do we like about this card?
- 5% cashback on all online spends
- 1% cashback on offline and utility bill spends
- Up to ₹60,000 cashback in a year
- No merchant restrictions on online spends
- Cashback credited within 2 days of bill generation
- Renewal fee waived on annual spends of ₹2 lakh
- 1% fuel surcharge waiver up to ₹100 per month
- Supports contactless payments for faster transactions
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
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.
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Frequently Asked Questions
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.
