SBI Cashback Credit Card review
Online shoppers who want flat, auto-credited cashback across most sites. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
SBI Card · Visa / RuPay
5% cashback on almost all online spends (no merchant tie-in), auto-credited.
- Annual fee
- ₹999 + GST (waived on ₹2L annual spend)
- Reward rate
- 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle)
- Lifetime-free
- No
- Network
- Visa / RuPay
- Eligibility
- Approx 21–70 yrs; salaried/self-employed with stable income
Why it stands out
- 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
- 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
- Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more
Good to know
- It isn't lifetime-free — the annual fee (₹999 + GST (waived on ₹2L annual spend)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on SBI Card's official page before applying.
How it compares
See it ranked against similar cards in our best cashback credit cards roundup.
SBI Cashback Credit Card — FAQs
No. The SBI Cashback Credit Card carries a fee — ₹999 + GST (waived on ₹2L annual spend). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹999 + GST (waived on ₹2L annual spend). Fees are dated as of June 2026 and can change — check the current schedule of charges on SBI Card's official page before applying.
5% cashback on almost all online spends (no merchant tie-in), auto-credited. In detail: 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle). Reward values and caps are indicative and set by the issuer.
Online shoppers who want flat, auto-credited cashback across most sites. Eligibility is broadly Approx 21–70 yrs; salaried/self-employed with stable income. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on SBI Card's official page before applying. Using credit responsibly and paying your bill in full avoids interest.