Visa 📡 Contactless NFC

SBI Cashback Credit Card

Joining Fee₹999

Annual Fee₹999

Forex Markup 3.5%

Apply & Earn ₹560 →

⚖️ Card Verdict & Target Persona

Who Should Apply

All online shoppers and e-commerce buyers wanting industry-leading flat 5% direct statement cashback across virtually any online merchant website with quarterly lounge access.

Who Should Avoid

Offline-heavy spenders or individuals constrained by the ₹5,000 monthly online cashback cap.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹560 directly upon successful card approval.

Claim ₹560 & Apply →

🎉

Joining & Activation Welcome Gift

None

5% Cashback on All Online Spends

5% direct cashback on almost all online spends across e-commerce websites and apps (capped at ₹5,000 per statement cycle).

1% Unlimited Offline Cashback

1% unlimited direct cashback on all offline retail store purchases.

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter).

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹1

Standard Base Earning

1% unlimited direct cashback on all offline retail store purchases (Auto-credited to card statement)

Accelerated / Partner Rate

5% direct cashback on all online retail purchases across websites and apps (capped at ₹5,000 per statement cycle)

Points Validity:Auto-credited monthly

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct Statement Credit (Auto-credited to SBI Cashback Card account each month)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Merchant EMI Utility Insurance Railways Education Government Transactions Rent Payments Jewellery Cash Advances

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr

Annual renewal fee of ₹999 + GST is waived off on spending ₹2,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹30,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the SBI Cashback Credit Card

Annual Fee: ₹999/yr (Waivable)

Apply & Claim ₹560 →

Personalized Card Matcher

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Frequently Asked Questions

No, SBI Cashback Credit Card has a joining fee of ₹999 and an annual renewal fee of ₹999 (plus applicable taxes).

SBI Cashback Credit Card ₹999/yr