CASHBACK SBI Credit Card: Benefits, Cashback, Fees, Eligibility & How to Apply
The CASHBACK SBI Credit Card is a credit card from SBI Card designed for people who want to save on eligible online and offline purchases. It offers 5% cashback on eligible online transactions and 1% cashback on eligible offline transactions, making it an option worth considering for regular shoppers.
On this page, CouponAtoZ explains the card’s cashback benefits, fees and charges, eligibility criteria, important exclusions, and application process so you can decide whether it suits your spending habits.
CASHBACK SBI Credit Card – Key Highlights
- Card name: CASHBACK SBI Card
- Issuer: SBI Cards and Payment Services Limited
- Card category: Cashback credit card
- Online cashback: 5% on eligible transactions
- Offline cashback: 1% on eligible transactions
- Maximum online cashback: ₹2,000 per statement cycle
- Maximum offline cashback: ₹2,000 per statement cycle
- Combined cashback limit: ₹4,000 per statement cycle
- Joining fee: ₹999 plus applicable taxes
- Annual renewal fee: ₹999 plus applicable taxes
- Renewal fee waiver: Available on eligible annual spending of ₹2 lakh or more in the preceding year
- Application method: Online through the official SBI Card website
Fees, eligibility, cashback rules, and other terms are subject to the issuer’s latest policies. Verify the current terms before applying.
CASHBACK SBI Credit Card Benefits
1. Earn 5% cashback on eligible online spending
The CASHBACK SBI Credit Card offers 5% cashback on eligible online purchases. This can be useful for people who frequently shop online for clothing, electronics, home essentials, beauty products, and other everyday needs.
The cashback is subject to the applicable exclusions and a maximum of ₹2,000 per statement cycle for online spending.
2. Earn 1% cashback on eligible offline purchases
Cardholders can earn 1% cashback on eligible purchases made at physical merchant outlets using the card. This provides a way to earn cashback on qualifying in-store purchases as well.
The offline cashback limit is ₹2,000 per statement cycle.
3. Automatic cashback credit
Eligible cashback is automatically credited to the SBI Card account according to the programme’s terms. Cardholders do not need to redeem traditional reward points to receive this cashback.
4. Annual renewal fee waiver
The annual renewal fee of ₹999 can be waived when the cardholder meets the qualifying annual spending requirement of ₹2 lakh or more in the preceding year, subject to SBI Card’s applicable conditions.
5. Fuel surcharge waiver
The card offers a 1% fuel surcharge waiver on eligible fuel transactions between ₹500 and ₹3,000, subject to the applicable terms and a maximum waiver of ₹100 per statement cycle.
Fuel transactions themselves do not qualify for the card’s regular cashback.
CASHBACK SBI Credit Card Cashback Calculation
The amount of cashback you receive depends on your eligible spending and the applicable cashback limits.
| Eligible spending type | Cashback rate | Maximum per statement cycle |
|---|---|---|
| Online purchases | 5% | ₹2,000 |
| Offline purchases | 1% | ₹2,000 |
| Combined cashback | — | ₹4,000 |
Example of online cashback
Suppose you make ₹10,000 in eligible online purchases during a statement cycle.
- Eligible online spending: ₹10,000
- Cashback rate: 5%
- Cashback earned: ₹500
If you make ₹20,000 in eligible offline purchases, the cashback at 1% would be ₹200.
These examples assume all transactions qualify under the issuer’s rules and that you have not reached the applicable cashback limits.
CASHBACK SBI Credit Card Fees and Charges
| Fee or charge | Applicable amount |
|---|---|
| Joining fee | ₹999 plus applicable taxes |
| Annual renewal fee | ₹999 plus applicable taxes |
| Renewal fee waiver | Qualifying annual spending of ₹2 lakh or more in the preceding year |
| Foreign currency markup | Check the latest issuer schedule |
| Finance charges | Check the latest cardholder terms |
| Late payment charges | Depend on the outstanding amount and current fee schedule |
The joining fee, annual fee, interest charges, and other applicable fees should be considered when evaluating the card’s overall value. Paying your credit card bill in full by the due date can help you avoid interest on purchases under the applicable terms.
CASHBACK SBI Credit Card Cashback Exclusions
Not every transaction qualifies for cashback. According to SBI Card’s published cashback revision, effective 1 April 2026, the following categories are among those excluded:
- Fuel transactions
- Utility bill payments
- Insurance payments
- Rent payments
- Wallet loads
- School and educational service payments
- Jewellery purchases
- Railway transactions
- Merchant EMI and Flexipay EMI transactions
- Digital gaming platforms and merchants
- Toll transactions
- Government-related transactions
- Other categories listed in the issuer’s cashback terms
The precise treatment of a transaction may depend on its merchant category code and the issuer’s current rules. Review the latest official cashback terms before making a purchase based on expected cashback.
CASHBACK SBI Credit Card Eligibility
Applicants must meet SBI Card’s eligibility and verification requirements. Common factors considered during the application process include:
- Age and residential location
- Salaried or self-employed status
- Regular income and repayment capacity
- Credit score and credit history
- Existing credit obligations
- Identity and address verification
SBI Card’s general guidance lists age, occupation, income, and credit history among its eligibility considerations. The final decision rests with the issuer, and meeting general criteria does not guarantee approval.
Documents Required for Application
Depending on your application and KYC requirements, you may need:
- PAN card
- Aadhaar card with the first eight digits masked, or another accepted government address proof
- Income documents, such as salary slips, Form 16, or income tax returns, when requested
- Additional documents required for verification
Check the official application journey for the current document requirements.
How to Apply for the CASHBACK SBI Credit Card Online
Follow these steps to apply:
- Visit the official SBI Card website.
- Open the CASHBACK SBI Card product page.
- Select the application option.
- Enter your personal and professional details.
- Complete the required identity and address verification.
- Submit any additional documents requested by SBI Card.
- Wait for the issuer’s eligibility assessment and application decision.
Official application website: https://www.sbicard.com/
Applying does not guarantee approval. The final credit limit, card issuance, and applicable terms are determined by SBI Card.
Who Should Consider the CASHBACK SBI Credit Card?
This card may be suitable for people who:
- Make frequent eligible online purchases.
- Prefer cashback instead of collecting reward points.
- Want a single card for qualifying online and offline purchases.
- Can pay their credit card bill on time.
- Can meet the spending requirement for a potential renewal fee waiver.
It may be less suitable for people whose spending is concentrated in excluded categories or who are primarily looking for complimentary airport lounge access, travel rewards, or a lifetime-free credit card.
Advantages and Disadvantages
Advantages
- 5% cashback on eligible online spending.
- 1% cashback on eligible offline spending.
- Cashback credited automatically according to programme rules.
- Potential renewal fee waiver based on eligible annual spending.
- Fuel surcharge waiver on qualifying transactions.
Disadvantages
- Joining and renewal fees apply unless waived under the relevant conditions.
- Cashback is subject to category exclusions.
- Online and offline cashback limits apply.
- Interest and late payment charges can outweigh the value of cashback if bills are not paid on time.
- Benefits and eligibility are subject to the issuer’s terms.
Frequently Asked Questions
1. What is the CASHBACK SBI Credit Card?
The CASHBACK SBI Credit Card is a cashback credit card issued by SBI Card that offers 5% cashback on eligible online purchases and 1% cashback on eligible offline purchases, subject to applicable limits and exclusions.
2. How much cashback can I earn?
The published cashback limits are ₹2,000 per statement cycle for online purchases and ₹2,000 for offline purchases, with a combined maximum of ₹4,000 per statement cycle.
3. Is cashback available on every online purchase?
No. Certain transactions and merchant categories are excluded. Check the current SBI Card cashback terms before assuming a transaction will qualify.
4. What is the joining fee?
The published joining fee is ₹999 plus applicable taxes. Confirm the amount shown during your application.
5. Can I get the annual fee waived?
The annual renewal fee may be waived if you meet the qualifying spending requirement of ₹2 lakh or more in the preceding year, subject to the issuer’s terms.
6. Does the card offer cashback on fuel?
Regular cashback is not available on fuel transactions. An eligible fuel surcharge waiver may apply under the card’s terms.
7. Does the card offer cashback on offline shopping?
Yes. Eligible offline purchases earn 1% cashback, subject to the applicable exclusions and limit.
8. How do I apply for the card?
Visit the official SBI Card website, select the CASHBACK SBI Card, and complete the online application and verification process.
9. Is the CASHBACK SBI Credit Card lifetime free?
No. The published joining and renewal fees are ₹999 plus applicable taxes. A qualifying renewal fee waiver may be available under the issuer’s conditions.
10. Is this card suitable for online shoppers?
It may be suitable for frequent online shoppers who make eligible purchases and pay their bills on time. Compare the fees, cashback exclusions, and spending limits with your own shopping habits before applying.
Disclaimer: CouponAtoZ provides informational content about credit cards, offers, and financial products. We are not the card issuer and do not guarantee approval, cashback, or savings. All card benefits, fees, and eligibility decisions are subject to SBI Card’s official terms. Please verify the latest information with the issuer before applying.