SBI Cashback
SBI Card · Cashback · Statement Credit
This comprehensive guide covers the SBI Cashback's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The SBI Cashback from SBI Card offers cashback rewards credited directly to your statement at 5% (up to ₹5,000 per cycle). Top earning categories include 5% online cashback and more. Annual fee is ₹999 (waived above inr 200,000 annual spend).
Best for: General Online, Online Retail, Electronics Accessories, Travel
Reward Examples
Spend ₹1,000 on General online → earn ₹50 (5%) · 5% online cashback
Official product page → Official rules →
Waiver: Waived above INR 200,000 annual spend
Reward Rules
- 5% 5% online cashback (cap: ₹5,000)
- 1% 1% base cashback
Important Notes
- Rent, wallet loads, fuel, jewellery, EMI and excluded MCCs do not earn cashback.
🎁 Apply with referral — Earn up to ₹2,400
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
SBI Cashback vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the SBI Cashback for its bonus categories: General Online, Online Retail, Electronics Accessories, Travel.