SBI · Credit Card

SBI Cashback Credit Card

Official product: CASHBACK SBI Card

Cashback

Straightforward cashback on everyday spends
No complicated points to track or redeem

Opens the partner’s official application pageDownload product PDF

Fees, rewards and eligibility shown below are decided solely by SBI and can change without notice — always confirm current terms on the official page before applying.

Fees & Charges

Joining Fee: ₹999 + taxes
Annual / Renewal Fee: ₹999 + taxes
Annual Fee Waiver Condition: Renewal fee waived on annual spends of ₹2,00,000.
Interest Rate / Finance Charge: Up to 3.75% per month (45% p.a.) on unsecured cards, per SBI Card MITC.
Late Payment Charges: Nil ₹0–₹100; ₹100 >₹100–₹500; ₹500 >₹500–₹1,000; ₹750 >₹1,000–₹10,000; ₹950 >₹10,000–₹25,000; ₹1,100 >₹25,000–₹50,000; ₹1,300 >₹50,000; +₹100 after repeated MAD default.
Forex Markup Fee: 3.5%

Rewards, Travel & Lifestyle

Reward / Cashback Rate: 5% cashback on eligible online spends; 1% cashback on eligible offline spends (current revised structure).
Reward / Cashback Cap: Online cashback max ₹2,000/statement; offline max ₹2,000/statement; aggregate max ₹4,000/statement.
Welcome Benefits: Not disclosed by issuer — check official card page
Domestic Lounge Access: Not disclosed by issuer — check official card page
International Lounge Access: Not disclosed by issuer — check official card page
Lounge Unlock / Spend Condition: Not disclosed by issuer — check official card page
Fuel Surcharge Waiver: 1% fuel surcharge waiver on ₹500–₹3,000 fuel transactions; max ₹100/statement.

Eligibility & Documents

Minimum Income / Eligibility: Not disclosed by issuer — check official card page
Age Eligibility: Product-specific; SBI Card underwriting applies.
Employment Type: Salaried / self-employed, subject to SBI Card underwriting.
Documents Required: Identity, address, PAN and income/KYC documents as requested by SBI Card.

Official Sources & Verification

Official card page →Official MITC / Schedule of Charges →

Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked

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Before you apply

Frequently asked questions

What are the joining and annual fees for the SBI Cashback credit card? ▾

Joining fee: ₹999 + taxes. Annual fee: ₹999 + taxes. Fee waiver: Renewal fee waived on annual spends of ₹2,00,000..

What rewards or cashback does the SBI Cashback credit card offer? ▾

5% cashback on eligible online spends; 1% cashback on eligible offline spends (current revised structure). Cap: Online cashback max ₹2,000/statement; offline max ₹2,000/statement; aggregate max ₹4,000/statement.

Who is eligible for the SBI Cashback credit card? ▾

Product-specific; SBI Card underwriting applies. Salaried / self-employed, subject to SBI Card underwriting.

What is the forex markup fee on the SBI Cashback credit card? ▾

3.5%