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SBI Cashback Credit Card
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SBI Cashback Credit Card

★ 4.6 / 5 ⓘ How we rate

Flat 5% cashback on online shopping — any website

✅ Verified Oct 2026 from SBI Card's official terms →

Joining: ₹999Annual: ₹999🎁 1% – 5% cashback
Apply Now — it's free → 🔒 You'll apply on SBI Card's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

⚡
5% onlineAmazon, Flipkart, Myntra, Blinkit…
🏪
1% offlineon shop & store payments
🏦
Auto creditno points to redeem
👤
Perfect for

Anyone who shops, orders food or buys groceries online

Key benefits

  • 5% cashback on online spends — works on almost any website or app
  • Includes quick-commerce like Blinkit, Zepto, Instamart & BigBasket, and online food orders
  • 1% cashback on offline (in-store) spends
  • Cashback is adjusted straight into your next bill — nothing to redeem
  • 1% fuel surcharge waiver (₹500 – ₹3,000 transactions)
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • One of India's highest flat online cashback rates
  • No partner list to remember
  • Easy fee waiver at ₹2 lakh yearly spend

Good to know

  • Online cashback capped at ₹2,000 and offline at ₹2,000 per bill (₹4,000 total)
  • No cashback on rent, fuel, wallet loads, utilities, insurance, education
  • No lounge access

Quick facts

Fee waiverRenewal fee waived on ₹2 lakh yearly spend
Lounge accessNone
Min. income₹3 lakh/year
Age21 – 65 years
Credit score750+
NetworkVisa
Forex markup3.5%
Joining fee₹999 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • ₹199 fee on rent payments
  • 1% fee on railway bookings
  • Must spend ₹100 within 30 days to activate
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ SBI Cashback — common questions

Is the SBI Cashback Credit Card lifetime free?

No. It has a joining fee of ₹999 and an annual fee of ₹999 (plus 18% GST). Renewal fee waived on ₹2 lakh yearly spend.

What rewards does the SBI Cashback Credit Card give?

1% – 5% cashback. 5% cashback on online spends — works on almost any website or app.

Who is eligible for the SBI Cashback Credit Card?

Minimum income: ₹3 lakh/year. Age: 21 – 65 years. Credit score: 750+. Final approval is decided by the bank.

Does the SBI Cashback Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the SBI Cashback Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the SBI Cashback Credit Card?

Anyone who shops, orders food or buys groceries online.

Explore💸 Cashback Cards🛍️ Shopping Cards🔵 SBI Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

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