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Cashback SBI Card
One of India's cleanest cashback cards: a flat 5% on virtually all online spends with no merchant restrictions and 1% offline, at a Rs.999 fee that's waived if you spend Rs.2 lakh a year. The simplicity is the selling point, no points to convert and no category guessing, but the 5% is capped monthly, so very high online spenders hit the ceiling and effectively drop to a lower rate. Spend Rs.20,000/month online and you'd pocket around Rs.1,000 back if under the cap. There's no fixed welcome bonus, so don't apply chasing one. The 3.5% foreign markup and roughly 42% APR mean offline and overseas use is weak. Confirm the monthly cashback cap with SBI Card.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% cashback on online spending at most merchants
- ✓1% cashback on offline spending
- ✓Cashback posts to your statement automatically within two days of billing
- ✓As much as Rs.5,000 cashback each statement cycle
- ✓Annual fee reversed once you spend Rs.2 lakh in a year
👍 Pros
- + Merchant-agnostic 5% online cashback is uncommon in India
- + Cashback arrives automatically with nothing to redeem
- + The fee is readily waived with moderate spending
- + A clear, transparent rewards setup
👎 Cons
- – Cashback is capped at Rs.5,000 per cycle
- – Offers no lounge access or travel perks
- – Utility and rent payments fall outside the 5%
Can you get it?
- ▸Indian resident, whether salaried or self-employed
- ▸A CIBIL score of 750 or above is advisable
- ▸A reliable income that meets SBI Card's criteria
- ▸A valid PAN along with KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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