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SBI Card · Visa · हिन्दी

SBI Cashback Credit Card: full review

The SBI Cashback card gives 5% on ALL online transactions with no merchant restrictions, unique in India. Post April 2026 devaluation, the online cap dropped from ₹5,000 to ₹2,000/month, making it best for moderate online spenders (up to ₹40,000/month). For heavier spenders, the Axis Cashback Card is now a stronger alternative.

Apply now ↗Annual fee: ₹999 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
CASHBACK
ASHOK KUMAR
12/28
₹999 + taxes (waived on ₹2L spend)Annual fee
5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/monthReward structure
NoLounge access
5% cashback on ALL online transactions (no merchant restrictions)1% cashback on offline/POS spendsAutomatic cashback credit, no redemption neededFee waived on ₹2L spendOnline cashback capped at ₹2,000/month (effective April 2026)
Apply now ↗ Min. income: ₹4L+ per year · Credit score: 700+
Pros and cons
Pros
✓ 5% on ALL online, not just partner merchants
✓ Cashback is automatic, no redemption needed
✓ No merchant restrictions for online 5%
✓ Fee easily waived at ₹2L annual spend
Cons
✗ Online cashback capped at ₹2,000/month from April 2026 (was ₹5,000)
✗ No lounge access
✗ Gaming, tolls, government transactions excluded from April 2026
✗ Low value for primarily offline spenders
Quick facts
Issuer SBI Card
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (waived on ₹2L spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for SBI Cashback Credit Card is ₹999 + taxes (waived on ₹2L spend). The joining fee is ₹999.
5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month
SBI Cashback Credit Card is best for Flat 5% on all online spends up to ₹40,000/month. The SBI Cashback card gives 5% on ALL online transactions with no merchant restrictions, unique in India. Post April 2026 devaluation, the online cap dropped from ₹5,000 to ₹2,000/month, making it best for moderate online spenders (up to ₹40,000/month). For heavier spenders, the Axis Cashback Card is now a stronger alternative.
The minimum income requirement for SBI Cashback Credit Card is ₹4L+ per year. A minimum credit score of 700+ is also recommended.
Yes, SBI Cashback Credit Card offers No.
SBI Cashback Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
Compare with similar cards
SBI Cashback vs Axis ACE Compare →SBI Cashback vs HDFC Millennia Compare →SBI Cashback vs SBI Card PRIME Compare →SBI Cashback vs Axis Bank Rewards Compare →SBI Cashback vs SBI SimplyCLICK Compare →SBI Cashback vs HSBC Live+ Compare →
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SBI Cashback₹999 + taxes
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