AI Insights: Quick Facts
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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The Cashback SBI Card by SBI Card is a Cashback offering featuring 5% cashback. Key benefits include 5% cashback on online spends, 1% cashback on offline spends. Most suitable for users seeking Best for non-loyalist online shoppers...
SBI Card
Cashback SBI Card
Data Verified
Last checked: 25 Feb 2026Best for non-loyalist online shoppers who want a simple, high-yield flat rate cashback on all online websites.
The industry-benchmark flat 5% cashback card. Earns 5% cashback on all online transactions (without merchant capping) and 1% on offline spends. Cashback is automatically credited to the statement.
ShoppingOnlineCashback
Annual Fee
₹999
Annual fee waived on spending ₹2 lakh in previous year
Cashback
5%
Headline Rate
Forex Markup
3.5%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹15,000
Based on your 5% cashback rate.
Expert Verdict
"The Cashback SBI Card is arguably the most practical card in India for general online spends. While the ₹5,000 monthly cashback cap was introduced, it still represents ₹1 Lakh of online spending per month — more than enough for average households. The exclusion of utilities and rent is standard. Verdict: A must-have core card."
Key Privileges
Welcome BenefitNil standard joining benefit, fee waived on milestone
Fee WaiverAnnual fee waived on spending ₹2 lakh in previous year
Interest Rate (APR)42%
Min. Income₹3 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹3 lakh per annum
- EmploymentSalaried/Self