SBI Cashback Credit Card Benefits, Eligibility, Fees & Offers December 2025

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.