How is the cashback credited?

Cashback is automatically credited to your SBI Card account within 2 working days of your next statement generation.

Is there a limit on the 5% cashback?

Yes, the 5% cashback on online spends is capped at 5,000 per statement cycle. Post this limit, online spends earn at the base rate of 1%.

Does this card offer airport lounge access?

No, the domestic lounge access feature was discontinued from this card in 2024.

All Cards

SBI Card

Visa

CASHBACK SBI Card

5.0/ 5

Unbelievable 5% Cashback on all online spends

Annual Fee

₹999

Base Rewards

1.0%

Forex Fee

3.5%

Expert Verdict

The CASHBACK SBI Card is one of India's most powerful cashback tools for online retail. While it has seen devaluations regarding lounge access and specific exclusions, its flat 5% online return remains market-leading for a low-fee card.

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Quick Match

Is this card right for you?

Your monthly spending

You mostly spend on

80%

Great match for your profile!

Estimated annual value+₹3,501

Your Estimated Value

at ₹50,000/mo

Year 1

+₹5,001

Year 2+

+₹5,001

Fee waiver eligible!

1.0%effective rate

Why get this card

Unrestricted 5% cashback on most online merchants without specific platform locks

Automated cashback credit directly to the SBI Card account within 2 days of statement generation

1% cashback on all offline spends without any monthly capping

Annual fee waiver on spends exceeding 2 Lakhs per annum

+1 more benefits

Contactless technology for fast and secure daily transactions

Watch out for

No domestic or international airport lounge access (discontinued)
Monthly capping of 5,000 INR on the 5% accelerated cashback category
No cashback on rent, fuel, wallet loads, school/educational fees, and utility payments

+1 more considerations

No welcome bonus or joining benefits provided

Who is this card for?

Best for

Online Shoppers

Users who do the majority of their shopping on websites like Amazon, Flipkart, Myntra, and other online portals.

Min: ₹10,000/mo

Simple Reward Seekers

Those who prefer direct statement credit over complex reward point redemption systems.

Skip if you're

Frequent Travelers

The card lacks lounge access and travel-specific insurance or point multipliers.

High Utility Spenders

Utility payments and rent do not earn any cashback on this card.

Base Earning

1 Cashback

per ₹100 spent

1.0%

effective rate

Point value: ₹1.00/point

Bonus Categories

Online All Merchants - SHOPPING

5×

5% return

5000 pts/month

Milestones

Spend ₹2.0L

Renewal fee of 999 reversed on annual spends of 2 Lakhs.

No rewards on:

Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions