The Cashback SBI Card is a great option for people who shop online often. It offers up to 5% cashback on all online purchases—no matter which website, brand, or platform you use. Whether you’re buying clothes, groceries, booking travel, or ordering food, you can save more with every spend. Unlike many other cards that give rewards only on selected brands or categories, this card gives cashback on almost everything you buy online.
Note: The Cashback SBI Card offers up to 5% cashback on online spends with no merchant restrictions, auto-crediting cashback to your statement. However, there's a ₹5,000 monthly cap and no cashback on utility bills, rent, fuel, or wallet loads. Annual fee waiver is available on ₹2 lakh yearly spend.
Cashback SBI Bank Credit Card Rewards Program
5% Cashback on all online spends (no merchant restrictions)
1% Cashback on all offline spends
Maximum Cashback Limit: ₹5,000 per monthly billing cycle
No Cashback On: fuel, wallet loads, rent payments, jewellery purchases, school and educational services, utility bills, insurance, card/gift/souvenir shops, railways, quasi-cash transactions, member financial institutions.
Other Features and Benefits
Renewal Fee Waiver
Annual renewal fee of ₹999 can be waived on annual spends of ₹2 lakh.
Fuel Surcharge Waiver
1% waiver on fuel transactions worth ₹500–₹3,000
Maximum benefit: ₹100 per billing cycle
Contactless Advantage
Tap to pay—fast, safe, and convenient
Minimizes card loss and fraud risks
Global Acceptance
Accepted at over 24 million outlets worldwide, including 3.25 lakh+ in India
Usable at all VISA-accepting merchants
Add-on Cards
Available for spouse, parents, siblings, or children (18+ years)
Up to 3 add-on cards issued free of cost
Utility Bill Payment Facility
Pay electricity, mobile, telephone, and other utility bills via Easy Bill Pay
Balance Transfer on EMI
Transfer outstanding balance from other credit cards to the Cashback SBI Card
Pay via EMI at low interest rates
Cash on the Go
Withdraw cash at over 1 million MasterCard and Visa ATMs worldwide
Fees and Charges
Type of Fee
Amount
Joining Fee
Rs.999
Renewal Fee
Rs.999 (Waived if you spend Rs.2 lakh in the previous year)
Add-on Fee
Nil
Cash Advance Fee
2.5% or Rs.500 (whichever is higher)
Finance Charges
3.75% per month (45% p.a.)
Cash Payment Fee
Rs.250 plus taxes
Late Payment Fee
NIL: Outstanding amounts ranging from Rs.0-Rs.500 on the payment date
Rs.400: Outstanding amounts more than Rs.500 to Rs.1,000
Rs.750: Outstanding amounts more than Rs.1,000 to Rs.10,000
Rs.950: Outstanding amounts more than Rs.10,000 to Rs.25,000
Rs.1,100: Outstanding amounts more than Rs.25,000 to Rs.50,000
Rs.1,300: Outstanding amounts more than Rs.50,000
Overlimit Fee
2.5 % of the over-limit amount or Rs.600 (whichever is higher)
Payment Dishonor Fee
2% of the payment amount (minimum Rs.500)
Rewards Redemption Fee
Rs.99
Cheque Payment Fee
Rs.100
Card Replacement Fee
Rs.100 to Rs.250 (Rs.1,500 for Aurum cardholders)
Foreign Currency Transaction Fee
3.5%
Things to Know Before you apply
Get this card if:
You prefer online shopping and want to maximize cashback on those spends
You want cashback benefits, not rewards points
You’re looking for a card with no brand or merchant restrictions on cashback
You prefer automatic cashback credit to your account without any redemption steps
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For Cashback SBI Bank Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Cashback SBI Bank Credit Card Hilights
What do we like about this card?
5% cashback on all online spends (up to ₹10,000 cashback per month)
1% cashback on all offline and utility bill spends
No merchant restrictions – works across all online platforms
Cashback is automatically credited to your statement within 2 days of bill generation
Renewal fee waiver on annual spends of ₹2 lakh
Supports contactless payments for faster and safer transactions
Pros
Up to 5% cashback on card spends
No merchant restrictions on cashback benefits
Auto-credit of cashback—no need for point conversion
Renewal fee waiver is easy to achieve with ₹2 lakh annual spend
Cons
No cashback on utility bills, rent payments, wallet loads, fuel, and select categories
No lounge access or other travel-related benefits
Cashback capped at ₹5,000 per statement cycle
No rewards points system – cashback only
High annual fee of ₹999 if ₹2 lakh annual spend is not achieved
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
Simply SMS: Send an SMS to 5676791 from your registered mobile number.
Frequently Asked Questions
Everything you need to know about this credit card
The Cashback SBI Card has a joining fee of Rs. 999 plus applicable taxes.
You earn 5% cashback on all online purchases without any merchant restriction.
The card offers 1% cashback on all offline transactions.
Yes, you get a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India.
Your cashback earned on this card will be credited directly to your SBI Card account within 2 days of the next statement generation.
Yes, you can apply for the Cashback SBI Card through the official SBI Card website. The application process is digital and requires personal, professional, and KYC details.
Yes, with this card you get four free domestic airport lounge visits every year, limited to one visit per quarter.
Yes, you can get add-on cards for family members such as parents, spouse, children, or siblings over 18 years old.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
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