Cashback SBI Credit Card

As the name indicates, the Cashback SBI Card is a cashback reward card that gives you cash back on every purchase you make using the card. You may get up to 5% cash back with this card on all of your offline and online transactions. In addition, you get a ton of extra goodies including free access to domestic airport lounges. To give its clients special cashback benefits, SBI introduced the "Cashback SBI Card." This credit card is among the best for online shopping since it gives you the most value-back on all of your purchases made online.

You can get up to 5% cash back on all online purchases made with this card, as well as 1% cash back on purchases made offline. The cardholder's account is automatically credited with the cashback, and additional benefits like waivers of fuel surcharges are also available. Many people view the SBI Cashback Card as a seasoned credit card, and it's a fantastic option for those just starting out.

Key Highlights of Cashback SBI Card

Cashback SBI Card
Best Suited For Cashback
Joining Fee / Renewal Fee Rs. 999
Card Cashback
  • 5% Cashback on online* spends without any merchant restriction
  • 1% Cashback on offline* spends
Best Features Card Cashback will be auto-credited to your SBI Card account within two working days of your next statement generation.

*Terms and conditions apply.

5% Cashback on Online Purchases

  • You get a nice 5% cashback on all your online purchases, and there are no restrictions on where you shop.

1% Cashback on Offline Purchases

  • For your in-store shopping and utility bill payments, you'll receive a 1% cashback. Note that some transactions like rent payments, EMIs, balance transfers, and cash advances don't qualify for cashback.

Free Airport Lounge Visits

  • Enjoy up to four free visits to domestic airport lounges every year, with one visit allowed per quarter.

Also read: Best Airport Lounge Access in India

Fuel Surcharge Waiver

  • You get a 1% fuel surcharge waiver on transactions at petrol pumps across India for amounts ranging from Rs.500 to Rs.3,000. The maximum waiver in a billing cycle is Rs.100.

Also read: Best Fuel Credit Cards in India

Global Acceptance

  • The Cashback SBI Card is accepted at over 24 million outlets worldwide, including 3.25 lakh outlets in India.

Easy Bill Pay

  • Use the 'Easy Bill Pay' feature to conveniently settle your mobile, electricity, and other utility bills.

Balance Transfer Facility

  • Transfer outstanding balances from other banks' credit cards to your Cashback SBI Card and repay in EMIs at a lower interest rate.

Add-On Cards

  • Extend the benefits to your family by getting add-on cards for your parents, spouse, children, or siblings over 18 years old.

The fees and charges associated with the Cashback SBI Credit Card are as follows:

Fee/Charge Amount/Rate
joining Fee Rs. 999
Renewal Fee Rs. 999 (Reversed on reaching annual spends of Rs. 2 Lakh)
Finance Charges 3.50% per month (42% p.a.)
Cash Advance Fee 2.5% or Rs.500 (whichever is higher)
Cash Payment Fee Rs.250 plus taxes
Late Payment Fee* For Statement Balance
  • Less than Rs. 500 – Nil
  • Rs. 500 up to Rs. 1,000 – Rs. 400
  • Rs. 1,000 up to Rs. 10,000 – Rs. 750
  • Rs. 10,000 up to Rs. 25,000 – Rs. 950
  • Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
  • Amount over Rs. 50,000 – Rs. 1,300
Cheque Payment Fee Rs.100
Card Replacement Fee Rs.100 to Rs.250 (Rs.1,500 for Aurum cardholders)
Rewards Redemption Fee Rs.99
Payment Dishonor Fee 2% of the payment amount (minimum Rs.500)
Overlimit Fee 2.5 % of the over-limit amount or Rs.600 (whichever is higher)
Add-on Fee Nil

*If you forget to pay the minimum amount due on your credit card for two months in a row, you will be charged an extra Rs. 100. This charge will keep happening until you clear the overdue minimum amount.

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Eligibility Criteria for Cashback SBI Card

The following are the minimum requirements to apply for a Cashback SBI Card:

  • You must be between the ages of 21 and 70.
  • A high credit score is required.
  • A steady source of income is a requirement.
  • You must be a salaried or a self-employed professional.

Documents needed to Apply for Cashback SBI Card

The following paperwork is required in order to apply:

  • Acceptable forms of identification include a driver's license, voter identification, Aadhar, PAN, and other cards.
  • Documents proving residency such as utility bills, passports, Aadhar cards, and driver's licenses are accepted.
  • Income Proof include pay stubs, the most recent audited ITR, or the bank statements for the last three months.

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The Cashback SBI Card is ideal for people who purchase online for everything—clothing, shoes, accessories, travel, food, groceries, entertainment, and other necessities. For the accelerated earning category, the maximum cashback limit is Rs. 5,000 in a billing cycle. This means that online purchases up to Rs. 1 Lakh per month qualify for the additional profits. All transactions after this monthly cap will earn you 1% cashback.

You can easily compare and apply for SBI Cashback Credit Cards online with MybankingTips. To do this, take the following actions:

Step 1: Visit MybankingTips' SBI Credit Card Section. Step 2: Select Your Favorite Credit Card. Step 3: Choose the "Apply Now" option. Step 4: Fill out the required forms to find out if you are eligible to apply for the card. Step 5: Click "Submit" once you've filled out all the relevant fields. Step 6: After you have correctly completed the required information, you will receive a mail containing your application ID.

How To Check SBI Cashback Card Application Status?

If you have previously applied, use any of the following methods to check the status of your SBI Cashback card:

  • To find out the status of your online application, visit the SBI Card official website and choose the "Credit Cards" option. Scroll down to find the "Track Application" option, click it, provide the required data, and proceed. The status of your application will be available in a matter of seconds.
  • The easiest way to find out is to give SBI Card customer service a call and ask them about the status of your SBI Cashback card application.
  • Ask the branch executives at the branch that is nearest to you how your credit card application will proceed forward.

To activate your Cashback SBI credit card or set its PIN, select your preferred method from the list below.

  • If you haven't previously, link your SBI Cashback card to your SBI Card online banking account. After then, it's easy to create or modify your credit card PIN online.
  • If you are having difficulties creating your credit card PIN using the methods mentioned above, SBI Card customer support can assist you.
  • You can also activate your credit card using an ATM. When you visit the nearest SBI ATM, look for the option on the main menu to generate a credit card PIN.

The following easy procedures must be followed in order to register your SBI Cashback Card for online banking:

Step 1: Go to the SBI Card official website. Step 2: Click the "Register Now" link below the "Login" button and select "New User." Step 3: Enter your credit card number, CVV, and birthdate in the corresponding sections. Step 4: You will receive an OTP on the registered mobile number you provided for verification. Proceed once you have entered the OTP. Step 5: When you have completed all of the steps listed above, your card will be successfully registered for online banking.

  • Use an ATM to pay off the balance on your credit card. Choose the credit card bill payment option from the main menu when you visit the closest SBI ATM.
  • Use the SBI YONO app to pay for your SBI Cashback credit card account. Simply create an account on the app, add your credit card, and pay off your credit card debt by selecting the "pay" option.
  • SBI offers its credit card clients an extremely easy option to pay their credit card bills using the SBI billdesk. Simply provide the necessary information, such as your email address, credit card number, and the amount due, to continue with the payment.
  • If you would prefer to work offline, you can deposit a check at the closest ATM dropbox or visit a nearby bank to pay with cash or a cheque.

You can get in touch with SBI Card customer service using the information provided below if you have any questions, concerns, or grievances with your Cashback SBI Credit Card:

  • Call 1800 180 1290 (toll-free), 1860 500 1290, 1860 180 1290, or 39 02 02 02 (prefix it with your local STD) to speak with customer service over the phone.
  • is the email address to use for correspondence with customer support.
  • To contact SBI Card customer service, utilize the account @SBICard_Connect on Twitter.

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There is no cashback available with this card for fuel purchases. However, for transactions between Rs. 500 and Rs. 3,000, you will be exempt from paying the 1% fuel surcharge. There is a cap on the maximum cashback of Rs. 100 every statement cycle.

After the next statement is generated, the cashback will be directly deposited to your SBI Card account within two days.

With no restrictions on merchants, the Cashback SBI Card offers 5% cashback on all online purchases.

For the Cashback SBI Card, there is no joining fee. Once you spend Rs. 2 lakh in the preceding year, you will be exempt from the Rs. 999 annual/renewal cost starting in the second year.

You can receive 1% cashback on offline purchases when you use the Cashback SBI Card.

Yes, you will receive four complimentary trips to domestic airport lounges annually, up to a maximum of one visit per quarter.

Yes, add-on cards are available for parents, spouses, kids, and siblings who are older than eighteen.

Yes, you can use this card to make cash withdrawals. However, it is not advisable to withdraw cash from credit cards because these transactions are not eligible for the interest-free period and will result in significant finance costs. Every time you take out cash, there will be an extra charge for cash advances. Additionally, there won't be any cashback on cash withdrawals.

The SBI Card helpline numbers are 39 02 02 02 (prefix local STD code) or 1860 180 1290.

Yes, the Cashback SBI card allows you to make contactless payments below Rs. 5,000 without having to provide a PIN.

The Cashback SBI Card cannot be used for business reasons; it is a personal card. Both the primary and add-on cardholders' card memberships may be cancelled by SBI if it is discovered that the cardholder is using the card for improper purposes.

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Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card: