BankBazaar
Credit Cards
Home Loans
Personal Loans
Other Loans
Calculators
Investments

Credit Score

FREE
Govt. Utility Documents
Download App

Download Mobile App

Badge
Insurance
Resources
BankBazaar

CASHBACK SBI Card

The CASHBACK SBI Card is a credit card that gives 5% cashback on all online spends and 1% on offline spends, with no merchant restrictions. It also offers a 1% fuel surcharge waiver, a renewal fee reversal on annual spends of Rs.2 lakh, and free add-on cards for family members. This guide covers its fees, eligibility and how to apply. 

Updated On - 25 Aug 2026
credit card CTA button
Apply for SBI Cashback Credit Card

Features and Benefits of CASHBACK SBI Card

The CASHBACK SBI Card comes with the following features and benefits:

Features 

Details 

Contactless advantage 

Simplifies the process of purchase by waiving the card.Ensuresfast,convenientand safetransaction.Reduces the risk of card loss and fraud. 

Global acceptance 

Acceptable in over 24 million outlets across the globe, including 3,25,000 outlets in India.Acceptable at any outlets that accept VISA. 

Add-on card 

Offers add-on cards tospouse, parents, children or siblings who are above 18 years of age.Note: Three add-on cards are offered at zero cost. 

Utility bill payment facility 

Allows customers to make payment for electricity, mobile, telephone and other utility bill payment by using Easy Bill Pay facility. 

Balance transfer on EMI 

Enables customer to transfer the outstanding balance to CASHBACK SBI credit card from other banks’ credit cards.EMI can be availed at a low interest rate. 

Cash on the go 

Allows cash withdrawal from over one million MasterCard and Visa ATMs across the globe. 

Cashback 

On online spend across any merchant outlet, the card offers5%cashback benefit.Offers cashback of1%onoffline spend.Note: Cashback not applicable on Merchant EMI and Flexipay EMI transactions under categories such Utility Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways etc. 

Spend-based reversal 

Provides renewal fee reversal benefit on spending Rs.2 lakh annually. 

Fuel surcharge waiver 

Offers 1% fuel surcharge waiver on fuel transaction across all petrol pumps in India. The benefit is applicable for transactions between Rs.500 to Rs.3000 excluding GST and other charges. Maximum surcharge waiver offered is Rs.100 per statement cycle.

Easy Cashback facility 

The cashback gets credited to the SBI card account within two days of the next statement generation. 

credit card CTA button

Fees and Charges for CASHBACK SBI Card

The fees and charges associated with the CASHBACK SBI Card are mentioned in the table below:

Type of Fee

Amount

Joining Fee

Rs.999

Renewal Fee

Rs.999 (Waived if you spend Rs.2 lakh in the previous year)

Add-on Fee

Nil

Cash Advance Fee

2.5% or Rs.500 (whichever is higher)

Finance Charges

3.75% per month (45% p.a.)

Cash Payment Fee

Rs.250 plus taxes

Late Payment Fee

  • Nil: Outstanding amount Rs.0 to Rs.100. Rs.100: Outstanding amount more than Rs.100 to Rs.500. Rs.500: Outstanding amount more than Rs.500 to Rs.1,000. Rs.750: Outstanding amount more than Rs.1,000 to Rs.10,000. Rs.950: Outstanding amount more than Rs.10,000 to Rs.25,000. Rs.1,100: Outstanding amount more than Rs.25,000 to Rs.50,000. Rs.1,300: Outstanding amount more than Rs.50,000. An additional Rs.100 late payment charge applies if the Minimum Amount Due is missed for two consecutive cycles, continuing until it is cleared.

Overlimit Fee

2.5 % of the over-limit amount or Rs.600 (whichever is higher)

Payment Dishonor Fee

2% of the payment amount (minimum Rs.500)

Rewards Redemption Fee

Rs.99

Cheque Payment Fee

Rs.200 plus taxes

Card Replacement Fee

Rs.100 to Rs.250 (Rs.1,500 for Aurum cardholders)

Foreign Currency Transaction Fee

3.5%

Utility Payment Fee 

1% of the total utility payments made in a billing cycle, charged only if those payments exceed Rs.50,000 in that cycle 

Apply For Credit Card on BankBazaar

Eligibility Criteria for CASHBACK SBI Card

The basic eligibility criteria to apply for a CASHBACK SBI Card are as follows:

  • You must be aged between 21 years and 70 years.
  • You must be a salaried or a self-employed professional.
  • You must have a good credit score.
  • You must have a regular source of income.

For more details about the CASHBACK SBI credit card eligibility, customers must contact the bank.

Documents Required for CASHBACK SBI Card

The documents required to apply for a CASHBACK SBI Card are as follows:

Note: For details about the KYC (Know Your Customer) documents contact the bank.

How to Apply for CASHBACK SBI Card

The procedure to apply for a CASHBACK SBI Card is mentioned below: 

  • Navigate to the 'Credit Cards' page and select 'CASHBACK SBI Card.' 
  • Click on the 'Apply Now' option. 
  • Fill in the online application form. 
  • Click on the 'Submit' option. 
  • Upon approval of your application, the SBI Card team will contact you for verification. You will receive the Cashback SBI Card after the verification process is completed. 
Apply For Credit Card on BankBazaar

Summary

The CASHBACK SBI Card is built for online shoppers, offering 5% cashback on online spends and 1% on offline spends with no merchant restrictions. It carries a Rs.999 joining and renewal fee, waived on annual spends of Rs.2 lakh, along with a 1% fuel surcharge waiver and free add-on cards. Eligible salaried and self-employed applicants aged 21-70 can apply for the CASHBACK SBI Card online through the SBI Card website. 

FAQs on Cashback SBI Card

1.What is the CASHBACK SBI Card?

The CASHBACK SBI Card is an SBI credit card designed to give cashback on everyday spending, with a higher rate for online purchases. It also includes a fuel surcharge waiver and free add-on cards. The card suits shoppers who spend regularly online without wanting to stick to one merchant.

2.Does the CASHBACK SBI Card offer cashback on online purchases?

Yes, the CASHBACK SBI Card gives cashback on online spends across merchants, with no restriction on where you shop. A few spend categories are excluded, as listed in the card's features above. This makes it useful for cardholders who shop with multiple online retailers.

3.Does the CASHBACK SBI Card offer cashback on offline purchases?

Yes, the CASHBACK SBI Card also offers cashback on offline or in-store spends, though at a lower rate than online spends. This lets cardholders earn cashback on both online and in-person transactions. The exact rates are listed in the features table above.

4.When does the CASHBACK SBI Card credit cashback to my account?

The CASHBACK SBI Card credits earned cashback directly to your card account after your next statement is generated. This happens automatically, with no separate redemption request needed. Check your statement to see the credited amount.

5.Are any spend categories excluded from CASHBACK SBI Card cashback?

Yes, the CASHBACK SBI Card excludes certain categories such as utilities, insurance, fuel, rent, wallets, education and jewellery from cashback earnings. This exclusion list can change, so it is worth checking the latest terms before relying on cashback for these spends. The full list is available in the card's terms and conditions.

6.Does the CASHBACK SBI Card offer a fuel surcharge waiver?

Yes, the CASHBACK SBI Card offers a fuel surcharge waiver at petrol pumps across India, capped per statement cycle. This helps offset the surcharge banks typically levy on fuel purchases made with a credit card. The exact transaction range and cap are listed in the features table above. 

7.Can I get an add-on CASHBACK SBI Card for my family?

Yes, the CASHBACK SBI Card allows add-on cards for your spouse, parents, children or siblings above 18 years of age. Add-on cardholders can use the same cashback and other benefits as the primary card. Check the fees table above for any charges that apply.

8.Is the CASHBACK SBI Card renewal fee ever waived?

Yes, the CASHBACK SBI Card renewal fee is reversed if you meet the annual spend threshold set by the bank. This makes the card effectively free to hold for cardholders who use it regularly. The exact spend threshold is listed in the fees table above. 

9.Who is eligible for the CASHBACK SBI Card?

Salaried individuals and self-employed professionals within the bank's specified age range, with a good credit score and a regular income, are eligible for the CASHBACK SBI Card. Exact eligibility criteria may vary, so it is best to confirm with the bank before applying. The general eligibility conditions are listed above. 

10.What documents do I need to apply for the CASHBACK SBI Card?

To apply for the CASHBACK SBI Card, you typically need identity proof such as your Aadhaar and PAN card, income documents, bank account details and a photograph. The bank may ask for additional KYC documents depending on your profile. The full document list is available above. 

11.How can I apply for the CASHBACK SBI Card online?

You can apply for the CASHBACK SBI Card online through the official SBI Card website by filling in the application form and submitting your details. The bank verifies your application and issues the card once approved. Step-by-step instructions are listed in the 'How to Apply' section above.

Types of Credit Card
Credit Card by Banks
Articles on Credit Card
Credit Card Customer Care
Credit Card Bill Payment
Credit Card Eligibility
Disclaimer
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Explore More:

Credit Card:

Credit Score:

Personal Loan:

Home Loan:

Fixed Deposit:

Calculator:

Learn More:

Others:

Mobile Apps:

  • Google play
  • Apple Store

Contact Us:

Follow Us:

Copyright © 2026 BankBazaar.com.