Card Details

2458 7085 2771 3621

Cashback SBI Credit Card

SBIVISA

Card Issuer

SBI Card

Joining Fee

₹999

Annual Fee

₹999

Reward Type

Cashback

Card Access

Standard

Latest Update

Card has been significantly devalued after April 2026. Now total cashback is limited to 4000/statement cycle, combined.

Offers from SBI Card

See all

Earn Points

5%

Cashback on eligible online spends (₹2,000 limit per cycle)

1%

Cashback on eligible offline spends (₹2,000 limit per cycle)

Benefits

Shopping

5% online cashback up to ₹2,000 per cycle

  • Practical cashback card for online and offline spends
  • 5% cashback on online spends
  • Total cashback capped at ₹4,000 per statement cycle
  • Fuel, rent, wallets, utilities, government and other listed categories earn no cashback
Protection

₹999 fee waived after ₹2 lakh annual spends

  • Spend-based annual fee waiver
  • Renewal fee waived on ₹2 lakh annual spends
  • No introductory waiver unless spend target met

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, utility, insurance, rent, wallet, education, jewellery, railways, emi, digital gaming, tolls, government

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Online spends

5% on online spends, capped Rs.2,000/statement cycle (revised from Apr 2026). No merchant restriction; exclusions apply.

₹1,500

Offline / other spends

1% on offline spends, capped Rs.2,000/statement cycle. Overall cashback capped Rs.4,000/cycle.

₹0

Total Annual Return

₹18,000

5% Effective ROI

Things to Keep in Mind

Cashback not applicable on fuel, rent, wallets, school/education, insurance, utilities, railways, government, tolls, jewellery, digital gaming, quasi-cash and similar excluded categories.

Fixed caps on cashback earned per statement cycle

Online/offline cashbacks have non clubbed caps per cycle

Card insights

What Users Are Saying

Community Feed

Sep 2026

CASHBACK SBI CardPOSITIVE

“Finally Hit 20K Cashback on SBI Cashback CC in 2.5 Years!”

by r/CreditCardsIndia, Sep 2026

CASHBACK SBI CardPOSITIVE

“Consolidating from 14 cards - closing HSBC TravelOne, AU Zenith+ and maybe SBI Cashback. Tell me where I'm wrong.”

by r/CreditCardsIndia, Aug 2026

CASHBACK SBI CardNEGATIVE

“SBI Cashback Card devalued from 1 April 2026 — best alternatives by spend category”

by r/personalfinanceindia, Apr 2026

CASHBACK SBI CardNEGATIVE

“RIP SBI Cashback credit card”

by r/CreditCardsIndia, Feb 2026

CASHBACK SBI CardNEUTRAL

“Now that the SBI Cashback card has been devalued, which the next best cashback card?”

by r/IndianCreditCards, Feb 2026

Alternatives

If you spend…

Recommendation

For Amazon cashback

Amazon Pay Credit Card

Other brand cashback

HDFC Millennia

Food and dining

Swiggy HDFC Credit Card

Frequently Asked Questions

The card has a ₹999 joining fee and a ₹999 annual fee, with a renewal waiver at ₹2,00,000 annual spend.

Honest Feeling about SBI Cashback Credit Card

If you got this card when the monthly online cashback ceiling was ₹5,000, you did the right thing. It was one of the cleanest general e-commerce credit cards in India.

Before its devaluation, the card used to work for almost every online shopper. It still works, but for fewer people. If your online spend sits under about ₹40,000 a month, the card can still work for you. If you are regularly well above that line, you will need to consider its alternatives.

What Actually Changed after April 2026

Online cashback cap: was ₹5,000 a month at 5%; is now ₹2,000 a month at 5% on the read fifteen threads keep repeating. Wrote about it in detail here

Category exclusions increased: utilities, government taxes, insurance, digital gaming, and toll-style spends now earn 0% direct cashback.

What are the SBI Cashback Card benefits?

The Cashback SBI Card is built for people who do most of their spending online.

  • 5% cashback on online spends: it applies across merchants, with no need to stick to specific platforms or activate offers. The cap is ₹2,000 a statement cycle.
  • 1% cashback on offline spends: this applies to card swipes at shops and is also capped at ₹2,000 a statement cycle.
  • Combined cap of ₹4,000: this is the most you can earn in one statement cycle.
  • Cashback is credited automatically to your SBI Card account and shows up on your monthly statement.
  • Fuel surcharge waiver and EMI conversion are available, though fuel spends themselves earn no cashback.

How to apply for the Cashback SBI Card

You can apply online through the SBI Card website.

  1. Open the Credit Cards page and select the Cashback SBI Card.
  2. Fill in the online application form with your personal, employment and income details.
  3. Submit it and wait for SBI Card to verify your details. The card is issued once verification is complete.

Eligibility: salaried and self-employed applicants aged 21 to 70 can apply.

Documents usually needed: identity proof (Aadhaar and PAN), income proof (salary slips or income tax returns), bank account details and a photograph.

Approval depends on SBI Card’s checks of your credit profile, so a strong credit score helps. Existing SBI holders sometimes get through with a split-limit path. But never assume that already having an SBI card means automatic yes.

Can you get the Cashback SBI Card for free?

Not outright, but you can get the fee waived.

The Cashback SBI Card has a joining fee of ₹999 + GST, and the same amount as the annual fee. The renewal fee is waived if you spend ₹2 lakh in a card year. But even with the waiver, you pay the joining fee in the first year.

Monzy's Verdict on CASHBACK SBI Card

If your eligible online spend is real, recurring, and usually under ~₹40,000 a month across many sites, keep or take the CASHBACK SBI Card.

It is still the merchant-agnostic 5% statement-credit card when Flipkart Axis is too platform-locked and Amazon Pay ICICI is too Amazon-locked.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva