SBI Card

SBI Cashback Credit Card

4.23/5
Regular
Cashback

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SBI Card

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The SBI Cashback Credit Card is a popular card offered by SBI Card. As the name suggests, the card is a cashback reward card and provides cash back for every transaction made with the card. It’s a great card as you don’t have to track your reward points or go through the hassle of redeeming points for different things. The annual charges applicable on the card are Rs. 999, and you can get it waived off on spending Rs. 2 Lakhs or more in the previous year. With this card, you can earn up to 5% cash back on all online spending and 1% cash back on offline spends made with the card. The cashback is automatically credited to the cardholder’s account, and you even get access to other features like fuel surcharge waiver, etc. The SBI Cashback Card is considered as a veteran credit card by many and is a great entry-level card.

SBI Cashback Credit Card

Key Benefits

The SBI Cashback Credit Card offers a range of features that cater to the needs of discerning individuals.

welcome bonus
  • NA
fuel surcharge waiver
  • 1% Fuel Surcharge Waiver at all petrol pumps in India. Valid for transactions between ₹500 - ₹ 3,000. Maximum surcharge waiver of ₹100 per statement cycle
dining benefit
  • 5% cashback on all online spends which includes swiggy, zomato etc
zero lost card liability
  • NA
interest free credit period
  • Up to 50 days of interest free period
revolving credit
  • Available at a nominal interest rate
travel benefit
  • 5% cashback on all online spends which includes Cleartrip, Yatra etc
insurance benefit
  • N/A
golf
  • N/A

Key Rewards

The SBI Cashback Credit Card offers a range of rewards.

reward points

  • 5% cashback for every online transaction
  • 1% cashback on other offline transactions
  • max cashback ₹5000 per month

reward redemption

  • Cashback earned with the card will be automatically credited to next month’s statement.

reward validity

  • NA

other spend includes

  • NA

other spend excludes

  • Jewelry
  • Rental
  • Wallet
  • Fuel
  • Educational Services
  • Insurance Services
  • Utilities
  • Railways

Fees and Charges

The SBI Cashback Credit Card comes with a range of fees and charges that you should be aware of.

joining fee
₹999
annual fee
₹999
joining fee waiver
NA
annual fee waiver
waived on spending Rs. 2 Lakh or more in the last year.
annual interest rate
42%
add on card fee
free
minimum repayment amount
5%
cash withdrawal fee
2.5%, minimum ₹500
cash advance limit
80%
card replacement fee
₹100
foreign transaction fee
3.50%
over limit penalty
2.50%
Loundge

The SBI Cashback Credit Card offers below loundge benefit.

domestic lounge
NA
international lounge
NA
railway lounge
NA
Eligibility and Documents Required

To apply for the SBI Cashback Credit Card, you need to meet the following eligibility criteria and you will need following documents.

Eligibility Criteria

Resident: Indian
Age: 21 to 65 years
Occupation: Stable source of income
Income: For Salaried people income more than ₹ NA, For Self-employed people income more than ₹NA, For students income more than ₹NA

Documents Required

proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
proof of address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
proof of income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.

SBI Cashback Credit Card Rating

Charges
4/5
Rewards
4.7/5
Customer Service
4/5

Our Review For SBI Cashback Credit Card

The SBI Cashback Credit Card is a popular choice among cardholders due to its lucrative cashback rewards on both online and offline transactions. With a reasonable annual fee and the possibility of fee waiver, it's an attractive option for those looking to earn cashback effortlessly.
This card offers a straightforward cashback system, eliminating the need to track reward points. The ability to earn up to 5% cashback on online transactions makes it a favorite among frequent online shoppers.
While the card offers enticing rewards, it lacks additional benefits such as lounge access or travel perks. However, for individuals focused on maximizing cashback rewards, this card is a best choice.
Pros
  • Up to 5% cashback on online transactions
  • Opportunity to waive off annual fee on spending Rs. 2 lakhs or more in the previous year
  • Fuel surcharge waiver on transactions between ₹500 - ₹3,000 at petrol pumps
    • Cons
  • No complimentary lounge access or travel benefits
  • Cashback not available for certain categories like Jewelry, Rental, Utilities, etc.

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