Cashback SBI Bank Credit Card
SBI Bank SBI Bank

Cashback SBI Bank Credit Card

cat name Fuel
cat name Reward Points

Best Suited For: Cashback

Joining Fee: ₹999 Plus Applicable Taxes

Renewal Fee: ₹999 Plus Applicable Taxes

cat name Fuel
cat name Reward Points

Best Suited For: Cashback

Joining Fee: ₹999 Plus Applicable Taxes

Renewal Fee: ₹999 Plus Applicable Taxes

Best Feature:- Card Cashback will be auto-credited to your SBI Card account within two working days of your next statement generation.

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The Cashback SBI Card offers cashback rewards on all purchases. You can earn up to 5% cashback on online and offline spending which makes it a great choice for frequent shoppers. The card also comes with additional perks, such as complimentary access to domestic airport lounges. This card ensures you get value back on every transaction on everyday purchases and online shopping.

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All You Need To Know

Card Type

Cashback

Cashback Benefits
  • 5% Cashback on Online Purchases: No merchant restrictions; you can earn cashback on all online purchases.
  • 1% Cashback on Offline Purchases: This includes utility bill payments, but excludes certain categories like fuel, rent, insurance, and wallet services.
  • Maximum Cashback: You can earn up to Rs. 5,000 cashback per statement cycle on both online and offline purchases.
Renewal Fee Waiver
  • Rs. 999 Annual Fee: This fee is waived if you spend Rs. 2 lakh in the previous year.
Fuel Surcharge Waiver
  • 1% Fuel Surcharge Waiver: On transactions between Rs. 500 to Rs. 3,000 at any petrol pump across India. The maximum waiver per billing cycle is Rs. 100.
Worldwide Acceptance
  • Accepted at over 24 million outlets worldwide, including 3.25 lakh locations in India.
Offline Payment Benefits
  • 1% Cashback on Offline Purchases: Earn cashback on most offline purchases and utility bill payments, excluding certain categories such as merchant EMIs, Flexipay EMIs, rent payments, wallet services, etc.
Easy Bill Pay
  • Use the 'Easy Bill Pay' facility to pay your mobile, electricity, and other utility bills conveniently.
Balance Transfer on EMI
  • Transfer outstanding credit card debts from other banks to your Cashback SBI Card for repayment in EMIs at a lower interest rate.

Cashback SBI Bank Credit Card Eligibility:

The following are the minimum requirements to apply for a Cashback SBI Card:

  • You must be between the ages of 21 and 70.
  • A high credit score is required.
  • A steady source of income is a requirement.
  • You must be a salaried or a self-employed professional.

Documents needed to Apply for Cashback SBI Card

The following paperwork is required in order to apply:

  • Acceptable forms of identification include a driver's license, voter identification, Aadhar, PAN, and other cards.
  • Documents proving residency such as utility bills, passports, Aadhar cards, and driver's licenses are accepted.
  • Income Proof include pay stubs, the most recent audited ITR, or the bank statements for the last three months.

The fees and charges associated with the Cashback SBI Credit Card are as follows:

Fee/Charge Amount/Rate
joining Fee Rs. 999
Renewal Fee Rs. 999 (Reversed on reaching annual spends of Rs. 2 Lakh)
Finance Charges 3.50% per month (42% p.a.)
Cash Advance Fee 2.5% or Rs.500 (whichever is higher)
Cash Payment Fee Rs.250 plus taxes
Late Payment Fee* For Statement Balance
  • Less than Rs. 500 – Nil
  • Rs. 500 up to Rs. 1,000 – Rs. 400
  • Rs. 1,000 up to Rs. 10,000 – Rs. 750
  • Rs. 10,000 up to Rs. 25,000 – Rs. 950
  • Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
  • Amount over Rs. 50,000 – Rs. 1,300
Cheque Payment Fee Rs.100
Card Replacement Fee Rs.100 to Rs.250 (Rs.1,500 for Aurum cardholders)
Rewards Redemption Fee Rs.99
Payment Dishonor Fee 2% of the payment amount (minimum Rs.500)
Overlimit Fee 2.5 % of the over-limit amount or Rs.600 (whichever is higher)
Add-on Fee Nil

*If you forget to pay the minimum amount due on your credit card for two months in a row, you will be charged an extra Rs. 100. This charge will keep happening until you clear the overdue minimum amount.

Apply for Cashback SBI Bank Credit Card

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FAQs

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

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, you can withdraw cash from ATMs using this card.

Cash withdrawals do not qualify for the interest-free period. The bank charges a cash advance fee.

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.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for the Cashback SBI Credit Card on
mybankingtips.com

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