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SBI Card
VISA
Cashback

SBI Card Cashback

Straightforward cashback card with 5% cashback on online spends and 1% offline, though caps were tightened in 2026.

cashbackonline-shopping

Also available on RuPay

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

  • SBI Card
    RuPay
    Cashback

    RuPay variant

    Same fees, cashback rates, and caps as the Visa Cashback card, issued on RuPay so it can be linked to UPI apps for QR payments. Unlike this catalog's other SBI RuPay siblings, this variant's existence isn't confirmed by a dedicated first-party SBI product page or T&C document — the sole corroborating source is a single third-party aggregator listicle, and some community reports describe RuPay Cashback as not yet rolled out or inconsistently available. Treat this record with lower confidence than its siblings until a first-party SBI source is found.

Last reviewed 13 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

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 RuPay. Same fees, cashback rates, and caps as the Visa Cashback card, issued on RuPay so it can be linked to UPI apps for QR payments. Unlike this catalog's other SBI RuPay siblings, this variant's existence isn't confirmed by a dedicated first-party SBI product page or T&C document — the sole corroborating source is a single third-party aggregator listicle, and some community reports describe RuPay Cashback as not yet rolled out or inconsistently available. Treat this record with lower confidence than its siblings until a first-party SBI source is found.

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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