What cashback do I earn on the SBI Cashback Credit Card?

You earn 5% cashback on eligible online spends and 1% cashback on eligible offline spends, subject to the monthly cashback cap and applicable exclusions. Note: Cashback is automatically credited to your card account after the statement cycle, with no redemption required.

Is there any annual fee and can it be waived?

Yes, the card has an annual fee of ₹999 + applicable taxes. The fee is waived if you spend ₹2,00,000 or more in a card membership year. Note: Meeting the annual spend milestone helps maximise the overall value of the card.

Are there any categories where cashback is not applicable?

Yes, cashback is not applicable on fuel, rent, utility bills, insurance, EMI transactions, wallet loads, and cash withdrawals, as per SBI Card terms. Note: Excluded categories do not earn cashback and may also not count toward spend milestones.

Does the SBI Cashback Credit Card offer airport lounge access?

No, the SBI Cashback Credit Card does not provide domestic or international airport lounge access. Note: This card is designed for cashback savings rather than travel or premium perks.

How long does it take to receive the card after applying?

After approval, the card is usually dispatched within 5–7 working days, and overall processing may take 7–14 working days. Note: Processing time may vary based on verification and document checks.

Is instant approval available for this card?

Instant approval may be available for eligible applicants based on credit profile and SBI Card’s internal checks, but it is not guaranteed for all users. Note: Some applications may require manual review or additional documentation.

Credit Cards/SBI Bank/CASHBACK SBI Credit Card

CASHBACK SBI Credit Card

SBI Bank

Last updated: Feb 03, 2026

e-commercefuelgroceriesrestaurants

Annual Fee

₹999

Joining Fee

₹999

Forex Fee

3.5%

Lounge Access

No lounge access

The SBI Bank CASHBACK SBI Credit Card is a straightforward cashback-first card best suited for online shoppers. It offers high accelerated cashback on online spends and a modest cashback on offline purchases. The card aims for easy-to-redeem cashback that is auto-credited to the statement.

Features of CASHBACK SBI Credit Card which makes it unique

Flat Cashback Across All Online Merchants

Earn 5% cashback on all eligible online transactions, regardless of the merchant or app used, subject to the monthly cashback cap and exclusions.

No brand or platform restriction

More flexible than merchant-specific cashback cards

Auto Cashback Without Redemption

Cashback earned is automatically credited to the card account after the statement cycle, with no redemption request or minimum threshold.

Zero effort reward credit

More convenient than manual reward redemption cards

High Cashback with Clear Monthly Cap

The card offers a clearly defined monthly cashback cap, allowing users to plan spends efficiently and maximise returns without hidden conditions or complex slabs.

Predictable and transparent rewards

More transparent than cards with complicated reward slabs

Rewards Structure of CASHBACK SBI Credit Card

Online

accelerated

All online merchants (no merchant restriction)

Reward Rate:5% cashback

Monthly Cap:₹5,000 per statement cycle

High cashback for online purchases; cashback auto-credited to card account.

High Cashback on Online Spends: Earn 5% cashback on all eligible online transactions with no merchant or brand restriction. Cashback is automatically credited to your card account after the statement cycle. A maximum of ₹5,000 cashback per statement cycle applies. Certain categories such as wallet loads, utility bills, insurance, fuel, EMI transactions, and rent payments are excluded as per SBI Card terms and conditions.

Offline Spends

base

All offline merchant transactions (POS tap payments)

Reward Rate:1% cashback

Monthly Cap:Included within overall cashback cap (as per card terms)

1% cashback on eligible offline spends made at physical merchant outlets using POS, swipe, or contactless tap payments.

Cashback on Offline Purchases: Earn 1% cashback on eligible offline purchases made at physical stores using your SBI Cashback Credit Card. Cashback is automatically credited after the statement cycle. Transactions such as fuel, rent, wallet loads, utility bills, and EMI conversions are excluded as per applicable terms and conditions.

Fuel

base

Fuel transactions at eligible petrol pumps

Reward Rate:1% fuel surcharge waiver

Monthly Cap:As per fuel surcharge waiver limits per statement cycle

1% fuel surcharge waiver on eligible fuel transactions at petrol pumps, subject to minimum and maximum transaction limits per statement cycle. Fuel spends do not earn cashback.

Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on eligible fuel transactions, helping reduce fuel costs. Fuel spends do not earn cashback and are subject to minimum and maximum transaction limits per billing cycle, as defined by SBI Card.

Milestones of CASHBACK SBI Credit Card

Annual Spend Waiver

₹2,00,000 : Annual fee waiver

Annual Fee Waiver on High Spends: Spend ₹2,00,000 or more in a card membership year to get the annual renewal fee waived for the next year. Eligible spends include both online and offline purchases, while excluded categories (such as fuel, rent, wallet loads, utility bills, insurance, and EMI transactions) do not count toward the milestone as per SBI Card terms and conditions.

Higher Cashback Utilisation

₹1,00,000 (in a card membership year) : Better value from monthly cashback cap

Maximise Cashback Benefits: Reaching annual spends of ₹1,00,000 helps cardholders make optimal use of the monthly cashback cap, especially on online purchases. This milestone does not unlock extra cashback but ensures better overall value from the card’s reward structure.

Active Card Usage Benefit

Regular usage throughout the year : Improved upgrade & retention eligibility

Eligibility for Future Card Offers: Consistent and responsible card usage over the year improves eligibility for credit limit enhancements, card upgrades, and retention offers, subject to SBI Card’s internal policies and credit assessment.

Fees & Charges of CASHBACK SBI Credit Card

Fee & Amount	Fee Value
Joining Fee	₹999+ Taxes
Annual Fee	₹999
Forex Markup Fee	3.5%
Cash Advance Fee	2.5%of transaction amount (subject to a minimum of Rs. 500)
Late Payment Fee	up to ₹1,300 + applicable taxes
Over Limit Fee	2.5%of Overlimit Amount (subject to a minimum of Rs 600)
Returned Payment Fee	2%of Payment Amount (subject to a minimum of Rs. 500 )
Cash Withdrawal Fee	2.50%of the withdrawn amount

Renewal Conditions:Annual fee waived on ₹2,00,000 annual spend (previous year spend).

Fee Explanation Standard SBI Card fees and T&Cs apply. Finance charges and fee slabs as per card terms.

Detailed Explanation of CASHBACK SBI Credit Card Fees

Joining Fee: ₹999 (one-time)

First-year fees as applicable

One-Time Card Issuance Fee: A one-time joining fee of ₹999 + applicable GST is charged at the time of card issuance. This fee applies only in the first year and covers card setup and activation. The joining fee is non-refundable and will be billed in the first statement unless waived under a limited-time promotional offer.

Annual Fee: ₹999 (Annual)

Waived on ₹2,00,000 annual spend. Charged from second year onwards

Annual Card Maintenance Fee: An annual fee of ₹999 + applicable GST is charged every year starting from the second year. The annual fee is waived if total card spends reach ₹2,00,000 or more in the previous card year, as per SBI Card’s fee waiver policy.

Cash Advance Fee: 2.5% of the withdrawn amount (Per transaction)

Minimum ₹500 per transaction

Charges on ATM Cash Withdrawal: A cash advance fee of 2.5% of the withdrawn amount or ₹500 (whichever is higher) is charged on every cash withdrawal made using the credit card. Additionally, interest is charged from the transaction date, and no interest-free period applies on cash advances.

Foreign Currency Transaction Fee: 3.5% (Per international transaction)

GST applicable on markup fee

International Transaction Markup Fee: A 3.5% foreign currency markup fee is levied on all international transactions (online or offline) done in a currency other than Indian Rupees. GST is charged additionally on the markup fee as per government regulations.

Additional Features of CASHBACK SBI Credit Card

Zero Fraud Liability Protection

Cardholders are protected against unauthorised transactions if the card loss, theft, or misuse is reported promptly to SBI Card.

Protection applies only if the cardholder informs SBI Card immediately upon noticing unauthorised activity. Liability may apply if there is a delay in reporting, as per SBI Card policy.

Protection Against Card Misuse: The SBI Cashback Credit Card offers Zero Fraud Liability on unauthorised transactions, helping safeguard users from financial loss due to card theft or fraud, subject to timely reporting and SBI Card’s terms and conditions.

Contactless Payments

Make quick and secure payments by simply tapping your card at contactless-enabled POS terminals for small-value transactions, without entering a PIN.

Contactless payments are subject to RBI-prescribed transaction limits. For higher-value transactions, PIN authentication is required.

Fast & Secure Tap Payments: The SBI Cashback Credit Card supports contactless (tap-to-pay) technology, allowing faster checkout and added convenience for everyday purchases while maintaining security standards.

Easy EMI & Flexipay Facility

Convert eligible high-value purchases into monthly EMIs using SBI Card’s Flexipay facility, either at the time of purchase or post-transaction.

EMI conversion is subject to eligibility, applicable interest rates, and processing fees. Cashback benefits do not apply on EMI transactions.

Flexible Repayment Option: The Easy EMI / Flexipay feature helps manage large expenses by breaking them into affordable monthly instalments, offering flexibility in repayment while maintaining spending control.

Welcome Bonus with CASHBACK SBI Credit Card

Welcome Bonus: Card focuses on cashback on spends.
Bonus Conditions: Cashback and other benefits apply as per SBI Card T&Cs; no separate welcome voucher.

Application Process for CASHBACK SBI Credit Card

Processing Time

2–7 working days after successful application and verification

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via SBI Card portal or partner sites

Start Your Application Online: Visit the SBI Card website or authorised partner platforms to fill out the online application form. Enter personal, employment, and income details accurately to avoid delays in processing.

Upload KYC and income documents

Complete Digital KYC: Upload required documents such as PAN, Aadhaar, address proof, and income proof (salary slips or ITR). A paperless KYC process helps speed up application approval.

Receive verification call/email

Verification & Credit Assessment: SBI Card may contact you via phone call, SMS, or email to verify details and complete internal credit checks. Respond promptly to ensure smooth processing.

Card dispatched within 5-7 business days on approval

Card Delivery & Tracking: Once approved, the card is dispatched within 5–7 business days. You will receive tracking details via SMS or email, and the card will be delivered to your registered address.

Required Documents for CASHBACK SBI Credit Card

ID Proof

Salaried, Self Employed

Accepted documents:

PAN CardAadhaar Card

Identity Verification Document: Applicants must submit a valid government-issued ID to verify identity. PAN Card is mandatory for credit card issuance, while Aadhaar may be used for KYC and address verification as per SBI Card guidelines.

Address Proof

Salaried, Self Employed

Accepted documents:

Aadhaar CardUtility Bill (Electricity Gas)PassportRegistered Rental Agreement

Residential Address Verification: A valid address proof is required to confirm the applicant’s residential address. The document should be recent and clearly readable and must match the address mentioned in the application form.

Income Proof

Salaried

Accepted documents:

Latest salary slips (last 3 months)Bank statement showing salary creditForm 16

Income Verification for Salaried Individuals: Salaried applicants must submit income documents to confirm employment and repayment capacity. Salary credits and documents should be recent and consistent with the income declared in the application.

Income Proof

Self-employed

Accepted documents:

ITR (last 1–2 years)Business financial statementsBank statements

Income Verification for Self-Employed Applicants: Self-employed individuals must provide valid income proof to demonstrate financial stability. Documents should reflect regular income and active business operations, as evaluated under SBI Card’s internal policies.