SBI Cashback Card
SBI · Cashback · Visa
Annual Fee
₹999
Fee Waiver
₹2L annual spend
Lounge Access
None
Best Rate
5%
Network
Visa
✅ Data verified March 2026
Reward Rates by Category
🛒Online Shopping
5%
🍽️Dining
1%
✈️Travel
1%
🥦Groceries
1%
🎬Entertainment
1%
🛍️Shopping
1%
⛽Fuel
0%
💡Utilities
0%
How Points Work
5% online, 1% offline · Direct cashback (no points) · ₹5K cap/cycle · Fuel surcharge waiver ₹500-₹3K
Key Benefits
5% online cashbackAuto-credited to statementFee waiver ₹2L spendNo point conversion needed
PROS
✅ Simple 5% on all online spends
✅ Cashback auto-credited (no redemption hassle)
✅ Fee waiver on ₹2L spend
CONS
⚠️ ₹5K cashback cap per cycle
⚠️ Fuel/utilities excluded from cashback
⚠️ Only 1% offline
🔔Upcoming Changes
April 2026→Total cashback cap reduced: ₹5,000 → ₹4,000 per statement cycle
→Online cashback capped at ₹2,000 per cycle (currently no sub-cap)
→Offline cashback capped at ₹2,000 per cycle (currently no sub-cap)
Impact: At 5% online, max beneficial online spend drops from ₹1L to ₹40K per cycle. Heavy online spenders should consider pairing with another card after April.
Affiliate links coming soon
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