Cashback SBI Card
Issued by SBI · Terms last verified 15 Oct 2026
Fees
- Joining fee
- Joining fee of INR 999 plus applicable taxes.
- Renewal fee
- Renewal fee of INR 999 plus applicable taxes from second year onwards, reversed if annual spends in the last year are at least INR 200,000. Waived when yearly spend is at least ₹2,00,000.
Online & Offline spends
| Spend | Rate | Cap |
|---|---|---|
| Online spends | 5% cashback | No stated cap |
| Offline spends | 1% cashback | No stated cap |
Earns no rewards on
Utilities, Insurance, Fuel, Rent, Wallet load, Education, Jewellery, Trains, Voucher/Gift Card, Online Gaming, Toll, Government/Tax Spend, Telecom
Surcharge waivers
- Fuel surcharge waiver — 1% fuel surcharge waiver on fuel transactions between INR 500 and INR 3,000 at petrol pumps across India, maximum INR 100 per statement cycle. Capped at Up to ₹100 per statement cycle. Waived when transaction amount is at least ₹500, transaction amount is up to ₹3,000.
Benefits
- Cashback
- Cashback is earned on spend subject to rule conditions and caps.
- Fuel Waiver
- 1% fuel surcharge waiver on fuel transactions between INR 500 and INR 3,000, capped at INR 100 per statement cycle.
- Milestone Benefits
- Renewal fee reversal on annual spends of at least INR 200,000.
Eligibility
-
Estimated annual income requirement inferred from the card's annual or joining fee because the issuer did not publish formal eligibility criteria.
- Annual Gross Income: At least ₹4,99,500
Sources
Everything above is extracted from the following issuer documents. Where a figure here and the issuer's page disagree, the issuer's page is authoritative.
- Cashback SBI Card - Benefits & Features - Apply Now | SBI Card — Issuer page, retrieved 2026-10-15 (sha256 f3d9b6c3…)
- mitc-english.pdf — Terms PDF, retrieved 2026-10-15 (sha256 920694fe…)
- cashback-tnc-ekit.pdf — Terms PDF, retrieved 2026-10-15 (sha256 0c70c045…)