Cashback SBI Card
VisaCashback SBI Card offers 5% cashback on eligible online spends and 1% cashback on eligible offline spends, subject to statement-cycle caps and exclusions.
Verify final terms before applying
Last editorial review: July 19, 2026. Fees, reward caps, and eligibility can change on issuer sites.
Welcome Benefit
No current welcome cashback is stated on the issuer's public card page; verify any targeted offer before publishing it.
Fees & Charges
Rewards & Earn Rates
Program: SBI Reward Points (cashback) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Online Spends | 5% cashback on eligible online spends (max ₹2,000/cycle; aggregate card cap ₹4,000/cycle) |
| All Offline Spends | 1% cashback on offline spends |
Online cashback is capped at ₹2,000 per statement cycle, offline cashback at ₹2,000, with an aggregate cap of ₹4,000 per statement cycle.
Points expire after 24 months
Milestone Benefits
Annual fee of ₹999 is reversed on spending ₹2,00,000 or more in the preceding year.
Value: ₹999
Spend calculated from card anniversary date. All eligible transactions counted.
Lifestyle Benefits
E-commerce Partner Offers
Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
via Flipkart / Amazon / Myntra
Value: ₹1,200
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹25,000+ per month. Self-employed: ₹4,00,000+ p.a. Age: 21–70.
Editor Rating
Pros
- + No points conversion – direct cashback
- + Simple and transparent earning structure
- + Wide partner acceptance
Cons
- – Monthly cashback cap limits earnings for high spenders
- – Benefit may reduce over time with offer changes
The Cashback SBI Card is a entry-level credit card from State Bank of India offering direct cashback on everyday spends. At ₹999/year, the card is easily justified through fee waivers and regular usage benefits.