The SBI Cashback credit card is an ideal option for frequent online shoppers. It offers 5% cash back on all online purchases and 1% cash back on other spendings, Helping you to save on everyday expenses. This card come with a ₹999 joining fee, But will be waived off if you spend annually about ₹2,00,000 in a year. Cashback is automatically credited to your card statement so there is no need to redeem points manually and to track them. additionally benefits includes a 1% fuel surcharge on transactions between ₹400 to ₹3000. However Cachebag is not applicable on fuel, rent wallet reloads and utility bill payments. over this card is an excellent choice for those who want easy cashback on lunch shopping and simple rewards benefits.
SBI Cashback Credit Card Benefits
Get SBI Cashback credit card offers a range of practical features and benefits for user. One of the key benefits is the hassle free cashback system where cashback is automatically credited to your SBI card account within 2 days of the next settlement generation. additionally there is splint based renewal fee waiver system which allow you to spend over 2,00,000 in first year then you will get renewal feedback of rs 999. Ghadge and other neighbors the card also offer say 1% fuel surcharge by wear across all petrol pumps in India 4 transactions between 400 to 3000, Excluding GST and other charges, with a maximum waiver of 100 per statement cycle.
The card supports contactless payments, allowing users to make fast and secure transactions by simply tapping the card at enabled POS terminals. This feature not only makes small purchases easier but also reduces the risk of fraud and skimming. The card is accepted globally, at over 24 million outlets, including 3.25 lakh merchants in India.
The card also provides add-on cards for family members above the age of 18, such as parents, spouses, and children. Users can withdraw cash from over 1 million VISA ATMs worldwide. It also comes with a utility bill payment feature, allowing you to pay electricity, telephone, mobile, and other utility bills through the Easy Bill Pay facility.
Another useful feature is the Balance Transfer on EMI, which allows users to transfer outstanding balances from other banks’ credit cards to the SBI Cashback Credit Card at a lower interest rate. This provides an easy way to manage and repay debts in EMIs. Overall, the SBI Cashback Credit Card is a great choice for those looking for a card with cashback rewards and useful features.
SBI Credit Card Offers – February 2025
SBI Credit Cards provide exciting discounts and reward benefits across popular platforms like Amazon, Flipkart, Myntra, Swiggy, and more. Whether you’re shopping for gadgets, fashion, food, or entertainment, these offers help you save more while enjoying great deals. Here’s a quick look at the best offers available
| Platform | Offer | Details | Best For |
|---|---|---|---|
| Amazon & Flipkart | Extra rewards | 5X reward points per ₹100 spent | Gadgets, fashion, home essentials |
| Myntra | More rewards on shopping | 10X reward points per ₹100 spent | Clothes, shoes, accessories |
| Swiggy | Extra rewards on food orders | 10X reward points per ₹100 spent | Ordering meals online |
| BookMyShow | Bonus rewards on bookings | 10X reward points per ₹100 spent | Movie & event tickets |
| Meesho & Zomato | No special offers currently | – | – |
Additional Benefits:
Milestone Rewards: ₹2,000 Cleartrip/Yatra voucher on spending ₹1 Lakh + another ₹2,000 voucher on ₹2 Lakh spends.
Tip: Check the latest offers on the SBI Card website before making a purchase! Bakuka No Adam says Problem so kind of you want to because Madhya Nagar Slisterburg Uttar Pradesh To the problem
SBI Cashback Credit Card – Excluded Transactions
The SBI Cashback Credit Card offers great cashback on online shopping, but not all transactions qualify. Here are the key exclusions where you won’t earn cashback:
No Cashback On:
- Fuel Payments – Petrol, diesel, and CNG purchases.
- Utility Bills – Electricity, water, and gas bill payments.
- Insurance Payments – Paying insurance premiums.
- Education Fees – School, college, and tuition fees.
- Rent Payments – Using the card to pay rent.
- Wallet Reloads – Adding money to Paytm, PhonePe, etc.
- Jewelry Purchases – Buying gold, silver, or diamonds.
- Train Tickets – Railway bookings and transactions.
- Gift Shops & Cards – Buying gift cards or shopping at gift stores.
- Quasi Cash Transactions – Lottery tickets, money orders, etc.
- EMI Transactions – Purchases converted to EMI (Merchant EMI & Flexipay).
Tip: Use the card for online shopping, food orders, and travel bookings to maximize cashback!
Reward Points & Cashback
Most SBI credit cards work on a reward points system, where you earn points on your purchases and later redeem them for vouchers, discounts, or cashback. The value of 1 reward point usually ranges from ₹0.25 to ₹0.50, depending on the card and how you redeem it. However, you need to track, accumulate, and redeem the points, which can take time.
The SBI Cashback Credit Card simplifies this by offering direct cashback instead of reward points. You earn 5% cashback on online shopping (up to ₹5,000 per billing cycle) and 1% cashback on all other purchases. Fuel, rent, utility bill payments, wallet reloads, insurance, and EMI transactions do not earn cashback. The cashback is automatically credited to your statement in the next billing cyclethere’s no need for manual redemption. Transactions must be above ₹100, and the maximum cashback you can earn online is ₹5,000 per cycle.
SBI Cashback Credit Card Eligiblity
To be eligible for the SBI Cashback Credit Card, you must meet the following criteria:
- Age – You should be between 18 to 70 years of age.
- Income – You must have a stable income, either salaried or self-employed. The minimum income requirement may vary based on your location and occupation.
- Credit Score – A good credit score is typically required, generally above 750, to ensure you’re eligible for the card.
- Nationality – The applicant must be an Indian resident or a non-resident Indian (NRI).
- Other Requirements – Applicants should have a valid identity proof, address proof, and a bank account.
How to Apply for an SBI Cashback Credit Card?
Online Application:
- Visit the official SBI Card website.
- Select the SBI Cashback Credit Card from the list of available cards.
- Click on Apply Now and fill in the required details, such as personal information, income details, and contact information.
- Upload the necessary documents (proof of identity, address, income, etc.).
- Submit your application for review.
Offline Application:
- Visit an SBI branch near you and request an application form for the SBI Cashback Credit Card.
- Fill in the form and submit it along with the required documents.
- A representative from the bank will guide you through the process.
Documents Required
To apply for the SBI Cashback Credit Card, you’ll need the following documents:
- Identity Proof (Aadhar, Passport, Voter ID, Driver’s License, or PAN Card)
- Address Proof (Aadhar, Passport, Utility Bill, or Rental Agreement)
- Income Proof (Salary Slip, Income Tax Returns, or Bank Statement)
- Photograph (Recent passport-sized photo)
SBI Cashback Credit Card Review
The SBI Cashback credit card is perfect for those who love shopping online or in store, Offering a 5% cashback on online purchases and 1% on offline purchases. Its also great for frequent fuel buyers with a 1% fuel surcharge wavier. You can easily manage family expenses by getting add on cards four members over 18 year old age. with global acceptance at millions of outlets, Its a solid choice for travelers plus you can pay your utility bills using the easy bill pay feature. If you have existing credit card debt the balance transfer on emi feature helps you save with lower interest rate. It’s a versatile car that fits the needs of modern day spenders. also it does not hide reward program system, where all the cashbacks availed in the transaction month is adjusted within your statement of that particular month. It helps you to save your time to track rewards and redeeming it on online portals.
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