State Bank of India
SBI Cashback Credit Card
Best for cashback, online-shopping
₹999/yr annual fee
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹999/yr
Reward rate
Not published
Min. income
₹3,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹3 lakh/yr · CIBIL 650+
Reward cap
₹5,000/month
Welcome benefit
Renewal Fee reversal on annual spends of ₹2,00,000 (only published milestone benefit)
Who is this for
- Cashback seeker
- Online shopper
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹750 late-payment fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹999 | Not waivable |
| Annual fee | ₹999 | Reversal of Renewal Fee on annual spends of ₹2,00,000 or more in the preceding year |
| Late payment | ₹750 | Not waivable |
| Forex markup | Not published | Not waivable |
| Fuel surcharge | 1% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| ONLINE | 5.00 | ₹5,000/month | 1.00 |
| SHOPPING | 5.00 | ₹5,000/month | 1.00 |
| All spends | 5% cashback on online* spends without any merchant restriction; 1% cashback on offline* spends; cashback is NOT appli… | Cap of ₹5,000 per statement cycle on the 5% accelerated cashback (per existing catalog; not on the current marketing page) | Direct cashback — no points / no redemption step (credited to statement) |
Benefits
-
Domestic lounge access
None
-
International lounge access Highlight
None
-
Milestone benefits Highlight
Renewal Fee reversal on annual spends of ₹2,00,000 (only published milestone benefit)
-
Fuel surcharge waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at all petrol pumps; maximum waiver of ₹100 per statement cycle
Eligibility
- Age
- 21–70 years
- Min. income
- ₹3,00,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips, photo, address proof (ITR for self-employed)
SBI Cashback Credit Card is a MASTERCARD credit card from SBI Card. It is best suited for cashback, online-shopping.
Fees and rewards
- Annual fee: ₹999
- Joining fee: ₹999
- Rewards: 5% cashback on top online brands; 1% on others
Eligibility
PAN, Aadhaar, latest salary slips, photo, address proof (ITR for self-employed)
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for SBI Cashback Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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