SBI Cashback credit card

SBI Cashback

Sponsored4.5

SBI Card · Visa

SBI Cashback Card is the simplest and best flat-rate online cashback card in India — 5% on all online spends, no category restrictions, and 1% on offline. The Rs.999 annual fee is waived at Rs.2 Lakh spend. No points, no conversions — just straightforward cashback credited automatically.

Annual Fee

₹999

Waived at ₹2.0L spend

Joining Fee

₹999

Base Reward Rate

5X

₹1/pt

Min CIBIL

660

₹3L+ income

Key Features

5% cashback on all online spends — every platform, every category
1% cashback on all offline spends
Annual fee waived at Rs.2 Lakh spend
Automatic cashback credit — no redemption portals
Monthly cap: Rs.5,000 cashback on online spends
4 complimentary domestic lounge visits per year
Valid at all VISA merchants worldwide

Welcome Benefits

✓

₹750 Cashback on First Online Spend

Earn ₹750 cashback on your first online transaction of ₹750 or more within 30 days of card activation

Reward Rates by Category

Dining

5X

Travel

5X

Online

5X

Shopping

5X

Grocery

5X

Fuel

5X

Utilities

5X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
All Online MerchantsOnline5X
All Offline MerchantsOffline1X

Milestone Benefits

₹1.0 L

₹500 Cashback

Spend ₹1 lakh per quarter on non-EMI transactions to earn ₹500 cashback — ₹2,000 potential cashback annually

Quarterly

₹2.0 L

Annual Fee Waiver

Spend ₹2 lakhs in a year to waive the annual fee for the following membership year

Annual

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹2 Lakhs

Credit Shield

Dues waived on accidental death

Outstanding balance

Zero Liability

Report loss promptly

100% fraudulent charges

Eligibility Criteria

Age

18–65 years

Salaried Income

₹3.6 L+ per year

Self-Employed

₹5.0 L+ ITR

Min CIBIL Score

700+

Salaried: Rs.3.6 Lakh annual income. One of the most accessible SBI cards. Existing SBI bank account holders have better approval odds. CIBIL 700+ recommended.

Pros

  • 5% cashback on ALL online spends — no category restrictions
  • Covers Amazon, Flipkart, Zomato, Swiggy, travel, bill payments and more
  • Automatic cashback — no redemption needed
  • Annual fee waived at Rs.2 Lakh spend
  • 1% cashback on offline spends
  • 4 complimentary domestic lounge visits per year
  • No cap on 5% cashback earning (subject to monthly limit)

Cons

  • Monthly cashback cap of Rs.5,000 (Rs.60,000 per year)
  • Cashback not instant — credited at next statement
  • Low 1% rate offline
  • No lounge access beyond 4 domestic visits
  • No travel insurance or other premium benefits

Redemption Options

Statement credit

Auto credited monthly₹1/pt

Frequently Asked Questions

Is there a cap on the SBI Cashback 5% online cashback?+
Yes — the 5% online cashback is capped at Rs.5,000 per month (equivalent to Rs.1 Lakh online spend per month). Beyond this threshold, no additional cashback is earned. For most users spending Rs.20,000-50,000 online per month, this cap is not a concern.
Does SBI Cashback Card give 5% on all online spends including Swiggy and Zomato?+
Yes — the 5% applies to ALL online transactions regardless of platform or category. Amazon, Flipkart, Zomato, Swiggy, Ola, Uber, Netflix, IRCTC, Cleartrip, bill payments — anything processed as an online transaction earns 5%.
How is the SBI Cashback automatically credited?+
Cashback is credited to your statement balance at the end of each billing cycle. You do not need to log in, click buttons or redeem anything. It shows up as a credit on your next statement — pure automatic benefit.
How does SBI Cashback compare to Axis ACE?+
SBI Cashback wins for Amazon and Flipkart spenders — flat 5% on all online vs Axis ACE which gives 2% on most online (but 5% via Google Pay for bills). Axis ACE wins for utility bills (5% via Google Pay), food delivery (4% on Swiggy/Zomato) and cabs (4% Ola). If your online spend is mostly shopping, SBI Cashback wins. If it is mostly bills and food, Axis ACE wins.
What is the SBI Cashback annual fee?+
Rs.999 per year, waived if you spend Rs.2 Lakh or more in the card anniversary year. This is Rs.16,667 per month — easily hit if you use it for online spends. Even if you pay the fee, 5% cashback on Rs.20,000 monthly online spend earns Rs.1,000/month = Rs.12,000 per year, comfortably justifying the fee.

Ready to apply?

Apply on the SBI Card website. Usually takes 10 minutes.

User Reviews(2)

4.5
2 reviews
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50%
4
50%
3
0%
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✍️

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A
AnonymousVerified Cardholder
24 Jan 2026

Good card but watch the monthly cap

SBI Cashback is excellent for light to medium online shoppers. Once you hit the Rs 1 lakh per month spend, the 5% cap kicks in. For most people this is not a problem. Customer service response time could be better.

What I liked
  • ✓5% online cashback is automatic
  • ✓Good for grocery and shopping
  • ✓Widely accepted
What could be better
  • ✕Rs 5,000 monthly cashback cap
  • ✕Customer service wait times are long
A
AnonymousVerified Cardholder
24 Dec 2025

Unbeatable for online shopping cashback

SBI Cashback gives 5% on ALL online transactions, not just specific platforms. This is what sets it apart. I use it for every Amazon, Flipkart, Myntra purchase. Combined with bank offers, I regularly get 10-15% effective discount. The Rs 999 fee pays for itself in the first month.

What I liked
  • ✓5% on all online spends (not category-restricted)
  • ✓No income proof required for most applicants
  • ✓Easy to get approved
  • ✓Cashback applied automatically
What could be better
  • ✕Only 1% on offline transactions
  • ✕5% capped at Rs 5,000 per month

SBI Cashback

₹999/yr · 5X rewards