SBI Card Cashback is best for online shoppers spending up to ₹40,000 a month online. 5% cashback on almost all online spends, with no merchant restrictions.
Effective value back per ₹100 spent. Flat cashback credited to the statement. No points to convert.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹9,960 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹15,180 |
| Frequent traveller ₹8,04,000/yr spend | ₹18,804 |
| Family & groceries ₹5,88,000/yr spend | ₹10,320 |
None
Devaluation SBI Card
5% online and 1% offline cashback each capped at ₹2,000 per statement (₹4,000 total, down from ₹5,000). Gaming, tolls and government payments excluded.
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The SBI Card Cashback credit card has a joining fee of ₹999 and an annual fee of ₹999, plus 18% GST. The annual fee is waived if you spend ₹2,00,000 or more in a card year.
The SBI Card Cashback card is best for: online shoppers spending up to ₹40,000 a month online. Its main strengths are: 5% cashback on almost all online spends, with no merchant restrictions; 1% cashback on offline spends. Its main drawback: online cashback cap cut from ₹5,000 to ₹2,000 a month in 2026.
The SBI Card Cashback card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.
No, the SBI Card Cashback card does not offer complimentary airport lounge access.