Best SBI Credit Cards for Online Shopping and Cashback

Online shopping has become a part of daily life. Whether you buy groceries, clothes, or electronics, paying with a credit card can give you extra savings through cashback and reward points.

SBI offers several credit cards designed to make your online spending more rewarding. From earning points on e-commerce websites to getting cashback on digital payments, these cards help you save while you shop.

In this article, let’s explore the best SBI credit cards for online shopping and cashback, along with their main features and benefits.

Why Use an SBI Credit Card for Online Shopping

SBI credit cards are trusted across India for secure transactions and exciting benefits. Using the right card for your online purchases can give you:

• Cashback or reward points on every transaction
• Discounts on partner websites and brands
• Safe and convenient payment options
• Annual fee waivers on meeting spending targets
• Access to exclusive online sale offers

These cards are great for frequent online shoppers who want both value and safety.

Top SBI Credit Cards for Online Shopping

SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is one of the most popular options for digital buyers. It rewards users for shopping through e-commerce websites and mobile apps.

Key features:

• 10X reward points on partner websites
• 5X reward points on other online shopping spends
• 1 reward point for every ₹100 spent on other transactions
• Welcome gift voucher from an online brand
• Milestone gift vouchers worth ₹2,000 each on reaching annual spends of ₹1,00,000 and ₹2,00,000
• 1 percent fuel surcharge waiver

Best for: People who frequently shop online and want higher reward points on digital purchases.

SBI Cashback Credit Card

The SBI Cashback Credit Card is a straightforward option for users who prefer direct cashback instead of reward points. It automatically credits cashback to your account, making savings effortless.

Key features:

• Up to 5 percent cashback on online shopping
• 1 percent cashback on all other spends
• Cashback credited directly to your statement balance
• Contactless and secure payment system
• Annual fee waived on spending ₹2,00,000 in a year

Best for: Users who want simple and instant cashback on online and offline purchases without managing reward points.

SBI Card PRIME

If you shop online regularly and also want lifestyle benefits, the SBI Card PRIME is a good choice. It offers a mix of online shopping rewards, travel benefits, and exclusive discounts.

Key features:

• 5X reward points on online shopping, groceries, and departmental stores
• Complimentary Club Vistara Silver membership and Priority Pass
• Annual e-gift vouchers worth ₹3,000 from top brands
• Renewal fee waived on annual spends of ₹3,00,000
• Reward points redeemable for travel and merchandise

Best for: Professionals or frequent shoppers who also want premium lifestyle benefits along with online rewards.

SBI SimplySAVE Credit Card

Although this card focuses more on offline spending, it still offers good value for those who make small online transactions.

Key features:

• 10 reward points for every ₹150 spent on dining, groceries, movies, and departmental stores
• 1 reward point for every ₹150 spent elsewhere
• Welcome bonus of 2,000 reward points on ₹2,000 spent within 60 days
• Annual fee waived on ₹1,00,000 annual spend
• 1 percent fuel surcharge waiver

Best for: Users who shop both online and offline and want simple, everyday rewards.

Comparison of Key Features

How to Choose the Right SBI Credit Card

Choosing the right card depends on your spending pattern and what kind of rewards you prefer.

Choose SBI SimplyCLICK Credit Card if you:

• Shop online through partner websites regularly
• Prefer earning high-value reward points
• Spend mostly through apps and digital platforms

Choose SBI Cashback Credit Card if you:

• Want automatic cashback without tracking points
• Spend across multiple online stores
• Prefer direct savings credited to your statement

Choose SBI Card PRIME if you:

• Shop frequently both online and offline
• Want lifestyle and travel benefits along with shopping rewards
• Spend higher amounts every year and can reach fee waiver limits

Choose SBI SimplySAVE Credit Card if you:

• Make small online and offline purchases
• Want a low annual fee card with simple benefits
• Prefer earning points on groceries and entertainment

Tips to Maximize Your Cashback and Rewards

Here are some simple ways to make the most out of your SBI credit card:

• Use your card during online sale events to earn extra points or cashback
• Activate and use the card on partner websites for higher rewards
• Pay your bills and mobile recharges online to collect more points
• Redeem points regularly to avoid expiry
• Always clear your full balance on time to save on interest charges

Final Thoughts

SBI credit cards offer great value for online shoppers, whether you prefer cashback or reward points.

If you are looking for a simple, low-cost card that gives high rewards for digital purchases, the SBI SimplyCLICK Credit Card is the most rewarding choice.

If you prefer getting cashback directly instead of tracking points, the SBI Cashback Credit Card gives better convenience.

For users who want a mix of rewards and premium benefits, the SBI Card PRIME is ideal.

With any of these cards, your online shopping becomes more rewarding, and you can enjoy extra savings on every purchase.