SBI CardCASHBACK SBI Card
The CASHBACK SBI Card offers a flat 5% cashback on eligible online merchant spends without platform restrictions.
Top Category Performance
Cashback (95/100)
Joining Fee
₹999
Annual Fee
₹999
Reward Rate (%)
1 – 5
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
20/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
CASHBACK SBI Card Benefits
CASHBACK SBI Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 5%
Earn rate
CASHBACK SBI Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
CASHBACK SBI Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- Cashback is not applicable for spends on Utilities, Insurance, Fuel, Rent, Wallets, Education, Jewellery, Railways, and more.
- No cashback on bills, utilities, insurance, or wallet loads
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
CASHBACK SBI Card Eligibility
Employment type
Pros & Cons
- One of the best flat cashback cards for online spending in India
- 5% cashback works across most online merchants instead of selected partner brands
- Simple cashback structure with no reward point conversion hassle
- Cashback auto-adjusts in statement balance
- Strong value for Amazon, Flipkart, Myntra, travel, food delivery, and general online shopping
- No category activation or milestone tracking required
- Good cashback rate even for beginners and moderate spenders
- Cashback exclusions are extensive (rent, wallet loads, fuel, utilities, education, insurance, jewelry, EMI, government payments, etc.)
- No airport lounge access benefits
- Limited travel and lifestyle perks beyond cashback
- Offline reward rate is average at 1%
- Monthly cashback cap limits returns for heavy spenders
- Annual fee is not lifetime free
Who is this card for?
Anyone who makes regular online purchases across multiple platforms. Unlike co-branded cards with platform restrictions, the flat 5% on any online spend makes this a universally valuable card for digital-first spenders.
Quick Links
Data last updated 25 Aug 2026
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Calculate your exact earnings with CASHBACK SBI Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.