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Card Overview/CASHBACK SBI Card
SBI
Cashback
CASHBACK
SBI BANK
VISA

CASHBACK SBI Card

by SBI • Visa

Complete Benefits & FAQs

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“Straightforward cashback card — 5% online / 1% offline. REVISED April 2026: total cap reduced to ₹4K/cycle, split into ₹2K online + ₹2K offline (separate buckets — you cannot use full cap on online alone). Online cap hits at ₹40K spend. New zero-cashback categories: digital gaming, tolls/FASTag, and government payments. No reward points, no miles, no conversion headaches. No lounge, no insurance, no dining program — purely cashback-focused. Fee waiver at ₹2L achievable. Fuel surcharge range ₹500–₹3K with ₹100/cycle max waiver.”

Fee Waiver: Renewal fee reversed if annual spends ≥ ₹2,00,000 in last year

Best suited for

🎯 Heavy online shoppers — 5% cashback on ALL online spends is industry-leading🎯 Users wanting simple, no-frills cashback (auto-credited, no points conversion needed)🎯 Budget card at ₹999/year (waived on ₹2L spend)🎯 Users who don't need lounge access or travel benefits

Welcome & Onboarding Perks

    Airport Lounge Privileges

    DomesticNone
    InternationalNone

    Dining Offers

    Reward Rates

    Online Spends
    up to 5%
    Offline Spends (POS/Tap)
    up to 1%

    Surcharges & Waivers

    Forex Markup3.50% of transaction value + applicable taxes
    Interest Rate3.50% per month (42% per annum) — some sources report 3.75% per month (45% per annum); check latest MITC
    Cash Withdrawal2.5% of transaction amount (minimum ₹500)
    Fuel Surcharge Waiver
    Waiver %1%
    Cap / cycle₹100 per statement cycle per credit card account
    Transaction range₹₹500 – ₹₹3,000

    Eligibility Requirements

    Salaried

    Age21 to 70 years (indicative)
    IncomeStable and regular source of income (salaried or self-employed)
    IncomeStable and regular source of income (salaried or self-employed)

    Note: Criteria are indicative; bank reserves right to approve/decline.

    Documents Required

    • •PAN card photocopy or Form 60
    • •Proof of income — Latest salary slip (≤3 months old) / Form 16 / IT return / Bank statements (3 months)
    • •Residence proof — Passport / Ration Card / Electricity bill / Landline telephone bill

    Key Highlights

    ✓Contactless (Visa PayWave) — tap to pay, unique security key prevents double-charging
    ✓Worldwide acceptance at 24 million+ Visa outlets, 3,25,000+ in India
    ✓Add-on cards for parents, spouse, children, or siblings (18+)
    ✓Cash withdrawal from 1 million+ Visa ATMs globally
    ✓Utility bill payment via Easy Bill Pay
    ✓Balance Transfer on EMI — transfer other bank CC outstanding to SBI at lower interest

    Frequently Asked Questions

    Ready to apply for CASHBACK SBI Card?

    Annual fee: ₹999 + GST

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