SBI Cashback Credit Card
India's highest cashback credit card
Key Features & Benefits
5% Cashback Online
Earn 5% cashback on all online spends including e-commerce, food delivery, and bill payments
1% Cashback Offline
Get 1% cashback on all offline purchases at retail stores, restaurants, and more
Welcome Offer
Receive ₹2,000 cashback as welcome bonus on completing ₹1,00,000 spends in first 90 days
Easy Mobile Banking
Integrated with SBI YONO app for seamless banking and card management
Comprehensive Insurance
Purchase protection, extended warranty, and fraud liability protection
Global Acceptance
Accepted worldwide with Visa/Mastercard network and no foreign currency markup
Reward Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Online Spends (All Categories) | 5% | ₹5,000 |
| Offline Spends | 1% | No Cap |
| Wallet Loads | 5% | Included in ₹5,000 cap |
| EMI Transactions | 1% | No Cap |
Fees & Charges
Eligibility Criteria
Requirements
- Age: 21-65 years
- Minimum Income: ₹20,000 per month (Salaried)
- Minimum Income: ₹2,00,000 per annum (Self-employed)
- Credit Score: 750+ (recommended)
- Existing SBI relationship preferred but not mandatory
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof
- Income Proof (Latest 3 salary slips/ITR)
- Bank Statements (3-6 months)
- Form 16 (for salaried)
- Passport size photographs
Pros & Cons
✅ Pros
- Highest 5% cashback on online spends
- No category restrictions for online purchases
- Good welcome bonus offer
- Annual fee waiver on spending milestone
- Instant cashback credit
- Wide acceptance globally
- Strong SBI network support
❌ Cons
- High annual fee (₹999 + GST)
- Monthly cashback cap of ₹5,000
- Lower 1% cashback on offline spends
- Fee waiver requires high spending
- No airport lounge access
- Limited premium benefits
User Reviews
"Best cashback card in India! I earn ₹4,000+ every month from online shopping. The 5% rate is unmatched and cashback is credited instantly."
"Great for online spends but wish the offline cashback was better. The annual fee is justified if you spend enough online."
"Excellent card for digital spenders. SBI's customer service is good and the YONO app integration makes management easy."
Apply for SBI Cashback Credit Card
Why Apply Through Us?
- ✅ Instant approval status
- ✅ No processing charges
- ✅ Expert assistance
- ✅ Fast application processing
- ✅ Document pickup service