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SBI Card
RuPay
Cashback

SBI Card Cashback

RuPay Cashback card with 5% online / 1% offline cashback (each capped at ₹2,000/month); supports UPI payments unlike the Visa variant.

cashbackonline-shoppingrupay-upi

Also available on Visa

SBI Card Cashback is issued on more than one network — each has different rewards and lounge access.

  • SBI Card
    VISA
    Cashback

    Visa variant

    SBI also issues Cashback on RuPay, per a 2026 aggregator listing matching fee and reward terms (a first-party SBI page dedicated to this variant wasn't independently confirmed). Fees and reward structure match this Visa edition.

Last reviewed 25 July 2026

Fees

Joining fee

₹999

Annual fee

₹999

Waiver: Waived on annual spend of ₹2,00,000 or more

Eligibility

Min. monthly income: ₹30,000

Min. CIBIL Score: 750+

Age: 21–70 yrs

Employment: salaried, self employed

Rewards

online shopping5% cashback(cap ₹2,000 cashback/1mo)
all other1% cashback(cap ₹2,000 cashback/1mo)

Perks

  • ✓Fuel surcharge waiver: 1%Capped at ₹100/month
  • ✓Forex markup: 3.5%
  • ✓No complimentary airport lounge access
  • ✓Cashback auto-credited as statement credit within ~2 days of billing cycle
  • ✓5% cashback excludes categories like fuel, rent, wallet loads, insurance, jewelry, railways, and education fees
  • ✓RuPay network lets the card be linked to UPI apps (Google Pay, PhonePe, BHIM) for QR-code payments, unlike the Visa Cashback variant

Common questions

What is the annual fee on the SBI Card Cashback?
The joining fee is ₹999. The annual fee is ₹999. Waived on annual spend of ₹2,00,000 or more
What are the reward rates on the SBI Card Cashback?
SBI Card Cashback earns 5% cashback on online shopping, 1% cashback on all other spends.
Does the SBI Card Cashback offer airport lounge access?
No, the SBI Card Cashback does not include complimentary airport lounge access.
Who is eligible for the SBI Card Cashback?
Applicants typically need a minimum monthly income of ₹30,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by SBI Card and can vary by application.
Is the SBI Card Cashback available on other networks?
Yes, it's also issued on Visa. SBI also issues Cashback on RuPay, per a 2026 aggregator listing matching fee and reward terms (a first-party SBI page dedicated to this variant wasn't independently confirmed). Fees and reward structure match this Visa edition.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
₹
5% cashback· cap ₹2,000 cashback/1mo
₹
1% cashback· cap ₹2,000 cashback/1mo
Estimated annual value—
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