Basic Information

Card Details Card Name: CASHBACK SBI Card
Bank/Issuer: SBI Card
Card Type: Cashback Credit Card

Rewards Program

Reward Points Reward Points: Cashback-based card; traditional reward points structure not applicable
Cashback Expiry: Cashback does not expire

Cashback Online: 5%
Offline/POS: 1%
Online Cashback Limit: ₹2,000/statement cycle
Offline Cashback Limit: ₹2,000/statement cycle
Maximum Total: ₹4,000/statement cycle

Redemption Redemption: Cashback is automatically credited to SBI Card account and adjusted in next statement

Milestone Rewards Annual Spend Benefit: ₹2 lakh annual spend → renewal fee reversal

Shopping Benefits

Online Shopping Online Shopping Cashback: 5% on eligible online spends without merchant restriction

Offline Shopping Offline Shopping Cashback: 1% on eligible POS/merchant outlet spends

EMI Offers Merchant EMI: Available

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1%
Transaction Amount: ₹500–₹3,000
Maximum Waiver: ₹100 per statement cycle

Daily Spending Benefits

Utility Bills Cashback: Not applicable on eligible utility transactions

Grocery Cashback: Eligible online/offline spending can earn applicable 5%/1% cashback, subject to MCC/exclusion rules

Rent Payments Cashback: Not applicable

Insurance Payments Cashback: Not applicable

Education Cashback: Not applicable on specified school/educational services

Digital Features

Payments Contactless Payment: Available

Banking Features Mobile Banking: SBI Card website/mobile app support

Add-on Features

Family Benefits Add-on Card Fee: Nil

EMI Features EMI Conversion: Available

Fees & Charges

Joining Charges Joining Fee: ₹999 + applicable taxes

Annual Charges Annual/Renewal Fee: ₹999 + applicable taxes
Annual Fee Waiver: Renewal fee reversed on annual spends of ₹2,00,000 or more in preceding year

Finance Charges Late Payment Fee: Applicable as per SBI Card schedule

EMI Charges EMI Facility: Available

Other Charges Add-on Card Fee: Nil

Customer Support

Service Customer Support: SBI Card customer service/helpline available

Performance & Ratings

Best Usage Best For: Online Shopping, General Cashback, Everyday Spending

Advantages Pros:
5% eligible online cashback
1% eligible offline cashback
₹4,000 total monthly statement-cycle cashback potential
₹2 lakh annual spend renewal-fee reversal
1% fuel surcharge waiver

Limitations Cons:
₹4,000 statement-cycle cashback cap
No cashback on fuel, rent, utility, insurance, wallet, education, jewellery, railways and other excluded categories
From 1 Apr 2026 no cashback on digital gaming, tolls and specified government transactions