Quick Overview
Network
Visa
Joining Fee
₹999
Processing Time
7-14 working days
Min Income
₹3,00,000 annually
Pros & Cons
✅ Pros
- ✓ High cashback rate of 5% on online purchases
- ✓ No minimum redemption threshold
- ✓ Instant cashback credit to account
- ✓ Widely accepted Visa network
- ✓ Good customer support from SBI
- ✓ No forex markup charges on international transactions
- ✓ EMI conversion facility available
❌ Cons
- ✗ Annual fee not waived on any spending
- ✗ Lower cashback rate of 1% on offline purchases
- ✗ Limited bonus categories compared to premium cards
- ✗ Processing time can be longer
- ✗ Monthly cashback cap of ₹5,000
🎯 Best For
Online shopping enthusiasts
Regular online bill payers
First-time credit card users
SBI account holders
Budget-conscious spenders
Students and young professionals
About This Card
The SBI Cashback Credit Card is designed for those who want to maximize their savings on everyday purchases. With attractive cashback rates and minimal fees, this card is perfect for regular spenders.
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Key Features
Online Cashback
5% cashback on online purchases up to ₹5,000 per month
Offline Cashback
1% cashback on all offline purchases
Instant Credit
Cashback credited instantly to your account
No Forex Markup
Zero markup on international transactions
EMI Facility
Convert purchases to easy EMIs
SMS Alerts
Free SMS alerts for all transactions
Reward Program
Online Purchases
Maximum ₹5,000 cashback per month
5% cashback
Offline Purchases
No monthly cap on offline cashback
1% cashback
Bill Payments
Cashback on utility bill payments
1% cashback
International Transactions
Plus zero forex markup charges
1% cashback
Fees & Charges
Annual Fee
₹999
Joining Fee
₹999
Cash Advance
2.5%
Late Payment
Up to ₹1,100
Overlimit Fee
₹500
Forex Markup
0%
Eligibility Criteria
Minimum Age
21 years
Maximum Age
65 years
Minimum Income
₹3,00,000 annually
Employment
Salaried or Self-employed
Credit Score
700+ (preferred)
Banking Relationship
SBI account holder (preferred)
📄 Required Documents
- 📄 PAN Card
- 📄 Aadhaar Card
- 📄 Salary Slips (last 3 months)
- 📄 Bank Statements (last 3 months)
- 📄 Form 16 / ITR
- 📄 Address Proof
- 📄 Identity Proof
- 📄 Passport size photographs
Frequently Asked Questions
What is the annual fee for SBI Cashback Credit Card? +
The annual fee for SBI Cashback Credit Card is ₹999 with a joining fee of ₹999. Some cards may waive the annual fee based on spending criteria or for the first year.
What welcome bonus do I get with SBI Cashback Credit Card? +
New SBI Cashback Credit Card cardholders can earn ₹2,000 cashback on spending ₹15,000 in first 90 days. This welcome offer is typically available for a limited time and subject to meeting minimum spending requirements.
What cashback rates does SBI Cashback Credit Card offer? +
SBI Cashback Credit Card offers Up to 5% cashback. The cashback rates may vary by category and spending patterns, providing excellent value for everyday purchases.
What are the eligibility criteria for SBI Cashback Credit Card? +
To be eligible for SBI Cashback Credit Card, you need a minimum income of ₹3,00,000 annually. Additional criteria may include age requirements, credit score, and employment status. Contact for complete eligibility details.
How long does it take to get SBI Cashback Credit Card approved? +
The typical processing time for SBI Cashback Credit Card is 7-14 working days. Processing times may vary based on document verification and credit assessment. You may receive instant approval for pre-approved applications.
How can I apply for SBI Cashback Credit Card? +
You can apply for SBI Cashback Credit Card online through our secure application process. The application is quick and convenient, requiring basic personal and financial information.
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