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SBI CardSBI Card

Cashback SBI Card

4.815,000 reviewsShoppingCashback
Welcome offerNil
Annual fee
₹ 999
Reward rate
5% on all Online Spends
Credit score
700+
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Free to apply via CardGuruji · subject to issuer approval

Cashback SBI Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

5% on all Online Spends

1% on offline. No merchant restrictions.

Reward currency
Cashback
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 5% Cashback online

  • Auto-credit to statement

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Highest flat cashback

  • Simple

What to watch out for

  • No lounge access

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹999Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
₹1300
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5%
Balance transfer
3.5%
Cash advance
3.5%

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

700+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Cashback SBI Card

Everything you need to know about Cashback SBI Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Cashback SBI Card is nominal, and the annual renewal fee is ₹999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Cashback SBI Card from SBI Card, a CIBIL score of 700 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Cashback SBI Card is designed to reward everyday spends. It currently features: "Nil". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.

Cashback SBI Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for Cashback SBI Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.