SBI Cashback Card Review 2026: 5% Online Rewards & New Limits
Get 5% cashback on all online spends with the SBI Cashback Credit Card. Learn about the ₹999 fee, 2026 reward revisions, and how to get the annual fee waived.
The CASHBACK SBI Card remains a top-tier choice for online shoppers due to its unrestricted 5% cashback. While the 2026 devaluation introduces tighter monthly caps, it still offers superior value for moderate spenders compared to most entry-level cards.
The most simple and powerful cashback card for online shopping.
The Bottom Line
The CASHBACK SBI Card is the CASHBACK SBI Card remains a top-tier choice for online shoppers due to its unrestricted 5% cashback. While the 2026 devaluation introduces tighter monthly caps, it still offers superior value for moderate spenders compared to most entry-level cards. With a ₹999 annual fee that is waived on ₹2,00,000 yearly spend, it offers 0% rewards on online spends and fuel surcharge waiver. For anyone researching sbi cashback credit card, the verdict is simple: recommended.
It earns a base reward rate of 1% and stacks best when your spending lines up with online-shopper, simplicity-seeker. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealHighest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.
No complex reward points or redemption portals; cashback is directly adjusted in the bill.
Probably not for
SkipLacks lounge access and travel-specific insurance or milestone benefits.
Utility, insurance, and rent payments are excluded from the 5% cashback tier.
Is It Worth It For You?
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Reward Rates
CASHBACK SBI Card offers 1% basic reward rate.
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Milestone Benefits
Renewal Fee Waiver
Fees & Charges
Eligibility
- Min Income: ₹3.6 Lakhs
- Min Credit Score: 750
- Available for salaried and self-employed individuals aged 21-70 years.
Exclusions & Terms
Fuel
Rent
Wallet Load
Merchant EMI
Flexipay EMI
Utility
Insurance
Jewelry
School & Educational Services
Railways
Digital Gaming (from April 2026)
Tolls (from April 2026)
Government Transactions (from April 2026)
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Frequently Asked Questions
3 data-backed answers from our card database