The rewarding card for everyday online cashback and comprehensive savings.
5% cashback on online transactions
1% fuel surcharge waiver across fuel stations in India
Renewal fee reversal on annual spends
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| Benefit | Details |
|---|---|
| Exceptional Online Cashback | Cardholders are entitled to a substantial 5% cashback on online spends, with no restriction on the merchant. |
| Hassle-Free Auto-Credit | The accumulated cashback is automatically credited to the Card account within two working days of the next statement generation, eliminating manual redemption. |
| Milestone Benefit | The annual Renewal Fee is reversed upon achieving annual card spends of ₹2,00,000 or more in the preceding year. |
| Fuel Surcharge Waiver | A 1% fuel surcharge waiver is applicable on transactions between ₹500 and ₹3,000, with a maximum benefit of ₹100 per statement cycle. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card & Payment Services Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Cashback / Rewards |
| Type of Card | Visa |
| Free or Paid | ₹999 Annually + Taxes |
The Cashback SBI Card is positioned as a powerful financial instrument for individuals who conduct a significant portion of their routine purchases online. It is considered one of the leading options for comprehensive cashback in the market, designed to reward users directly for their digital spending habits. The card's primary strength lies in its 5% cashback feature, applicable across a vast spectrum of online merchants without any specific partner restrictions. This broad applicability, coupled with a simple, auto-credit mechanism for the cashback amount, makes it highly suitable for users who prefer convenience and direct savings over complicated reward point systems.
Global Acceptance: The card is a versatile tool for both domestic and international purchases, offering worldwide acceptance at over 24 million outlets globally. This extensive network includes over 3,25,000 outlets within India, ensuring that cardholders can transact reliably whether they are at home or abroad.
Add-on Cards: To extend the financial benefits and convenience to the cardholder's family, the Cashback SBI Card offers the facility of add-on cards. Supplementary cards can be provided to family members, including parents, spouses, children, or siblings, provided they are above the age of 18 years.
Cash Withdrawals: For situations requiring immediate liquidity, cardholders are able to access cash conveniently. The card supports cash withdrawals from over 1 million Visa ATMs situated across the globe, ensuring that funds are accessible in almost any location worldwide.
Utility Bill Payments: The management of household bills is streamlined through the Easy Bill Pay facility. This service allows cardholders to settle essential utilities such as electricity, telephone, mobile, and other recurring bills with ease and convenience using the Cashback SBI Card.
Balance Transfer on EMI: Cardholders seeking financial flexibility can utilise the Balance Transfer on EMI feature. This allows for the transfer of outstanding balances from credit cards issued by other banks onto the Cashback SBI Card.
Contactless Advantage: The Cashback SBI Card is enabled with Contactless technology, simplifying daily purchases. This feature allows cardholders to simply tap their card at a secure reader to transact, promoting both speed and convenience, particularly for small-ticket everyday purchases. A significant security benefit is that the card remains in the cardholder's possession during the transaction, mitigating the risk of card loss or fraud due to skimming.
5% Cashback: This exceptional rate is applicable to all online spends, across any merchant, without the limitation of exclusive partnerships. This provides cardholders with broad utility and significant savings potential on their digital purchases.
1% Cashback: A consistent 1% cashback is earned on all offline spends, ensuring that even traditional, in-store transactions contribute to the cardholder's overall savings.
Enjoy the benefit of converting outstanding dues from other credit cards into affordable EMIs at lower interest rates with the CASHBACK SBI Card, helping reduce repayment pressure. Just log in to sbicard.com to get started.
The card’s reward system is highly user-friendly, as accumulated cashback is auto-credited directly to the SBI Card account rather than stored as points. It is processed within two working days after the next statement is generated, ensuring quick and seamless benefits.
Renewal Fee Reversal: The annual Renewal Fee of ₹999 + Taxes is completely reversed for the cardholder in the subsequent year if their total annual spends on the card in the preceding year reach or exceed the threshold of ₹2,00,000.
1% Waiver: Cardholders are eligible for a 1% fuel surcharge waiver. This waiver is applicable on fuel transactions that fall within the range of ₹500 to ₹3,000.
Maximum Benefit: The total waiver benefit is capped at ₹100 per statement cycle for each individual credit card account. This ensures a consistent monthly saving for regular commuters.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹999 + Applicable Taxes | A one-time charge levied when the card is initially issued. |
| Annual Fee (Renewal) | ₹999 + Applicable Taxes | Charged every year from the second year onwards. Waived if annual spends in the preceding year are ₹2,00,000 or more. |
| Add-on Card Fee | NIL | There is no charge for the issuance of supplementary cards for eligible family members. |
| Fuel Surcharge | 1% on transactions between ₹500–₹3,000 | Maximum benefit of ₹100 per month at fuel stations across India. |
| Criteria | Details |
|---|---|
Age | Age criteria required for primary card holders is between 21 to 70 years and 18 years for add-on cardholders. |
Occupation | Applicants are typically required to be salaried or self-employed. |
Other Criteria | A good credit score and a satisfactory repayment history along with a regular and sustainable source of income. |
| Document Type | Details |
|---|---|
| Identity Proof | A valid form of identity proof is essential for regulatory compliance. |
| Address Proof | A government-issued document confirming the residential address is required. |
| Income Proof | Documents such as salary slips, bank statements, or Income Tax Returns (ITR) may be required to verify the applicant's financial standing, as per the bank's policy. |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Cashback SBI Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Online Cashback | Prioritise using the card for all online purchases to ensure the consistent earning of the highest 5% cashback rate, thereby accumulating significant savings. |
Leverage Auto-Credit | Cardholders should monitor their statement to see the cashback amount automatically credited to their account balance, simplifying the reward realisation process. |
Utilise Easy Bill Pay | Use the Easy Bill Pay facility for utility and other bill payments, adding convenience to routine financial obligations. (Note: These transactions are in an excluded category and will not earn cashback, but benefit from the payment facility). |
Maintain Milestone Spends | Track annual spending to ensure the ₹2,00,000 threshold is met, securing the renewal fee reversal and making the card free of annual charge. |
Employ Contactless Payment | Use the contactless feature for quick, secure, and convenient payment at merchant outlets for all small-value, everyday purchases. |
The Cashback SBI Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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