Cashback
SBI Cashback Credit Card
SBI 7.6
CardTrail Score
Very Good
out of 10
Annual Fee
₹999
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 5%
Lounge Access
4
domestic | 0 intl
About This Card
SBI Cashback offers a straightforward 5% cashback on all online transactions — not limited to specific merchants. This makes it broader than SBI SimplyCLICK's partner-specific 10X. The ₹5,000 monthly cap limits high spenders, but it's solid for average online shoppers.
Pros & Cons
Pros
- 5% on all online transactions (not just specific merchants)
- Simple cashback model — no points to track
- 1% base is decent
Cons
- ₹5,000 monthly cashback cap on online
- ₹999 fee with ₹2L waiver
- 3.5% forex
- No premium perks
Fee Details
Annual Fee
₹999
Joining Fee
₹999
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
5%
Currency
Cashback
Welcome Bonus
None
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + 5% cashback on online spends
- + 1% cashback on all other spends
- + Simple unlimited cashback model
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Quick Summary
Best For
cashback online shopping
Annual Fee ₹999
Base Reward 1%
Max Reward 5%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
CardTrail Score
Best For
cashback online shopping
