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SBI Card Cashback
SBI Card

SBI Card Cashback

5% cashback on online spends — no merchant restrictions

Joining fee₹999 + GST
Annual fee₹999 + GST
NetworkVisa
Forex markup3.5%
LoungeNone
Best forCashback
Apply on issuer site Compare
Details checked October 2026

01Rewards

Online spends (any merchant)5%, capped at ₹2,000/month
Offline spends1%, capped at ₹2,000/month

Redemption: Auto-credited to your card account.

02Fees, benefits & charges

Fee waiver
Renewal waived on ₹2 lakh annual spend
Welcome benefit
None
Airport lounges
No lounge access
Forex markup
3.5%
Fuel
1% surcharge waiver, capped at ₹100/month
No rewards on
Utilities, insurance, fuel, rent, wallet loads, education, jewellery, railways, gaming, tolls, government

03Highlights & watch-outs

Highlights

  • 5% on almost any website or app
  • No points to track
  • Simple ₹2 lakh waiver

Watch out for

  • Monthly cap cut to ₹4,000 total from 1 Apr 2026
  • Long list of excluded categories
  • No lounge

Suits: Anyone spending ₹20,000–40,000 online a month.

04FAQs

What is the annual fee of the SBI Card Cashback?
The annual fee is ₹999 + GST, and the joining fee is ₹999 + GST. Renewal waived on ₹2 lakh annual spend
Does the SBI Card Cashback offer airport lounge access?
No lounge access
What is the forex markup on the SBI Card Cashback?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the SBI Card Cashback?
Utilities, insurance, fuel, rent, wallet loads, education, jewellery, railways, gaming, tolls, government.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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SBI Cashback₹999 + GST
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