Sbi Cashback
SBI Card
Sbi Cashback
SBI Card
Annual Fee
₹999
Effective Rate
0.25%
Network
VISA
Point Value
₹0.25/pt
About Sbi Cashback
5% cashback on online spends; 1% on offline spends. No merchant restriction on online cashback. Annual fee waiver on ₹2L spend.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹999 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹125 |
| All other spends | 1% | 100 pts≈ ₹25 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Domestic Airport Lounge
1 complimentary domestic lounge visit per quarter
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹3,000/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,00,000 (ANNUAL)
Renewal fee reversal on ₹2L annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the SBI Card website.
| Annual Fee | ₹999 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Sbi Cashback.
Ready to apply for Sbi Cashback?
Apply directly on the SBI Card website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.