SBI Card
CASHBACK SBI Card
Your rating
Community rating
Joining Fee
₹999
Annual Fee
₹999
Reward Rate
1% – 5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
1% – 5%
Earn rate
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 17 Mar 2026