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SBI Cashback Card
SBI • Visa

SBI Cashback Card

5% online cashback and 1% offline cashback with a ₹5,000 per statement-cycle cap.

Annual Fee₹999Waived on annual spends of ₹2,00,000
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹7,824Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on annual spends of ₹2,00,000

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.Reward cap applied at ₹60,000/yr (not reached).

Reward Rate Breakdown

Category-wise reward rates for this card

Online
5.0%
Basedefault
1.0%
Offline
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • SBI Cashback remains the broadest high-value online cashback card among mainstream options.
  • The ₹5,000 monthly cap still allows high effective online spend coverage before saturation.
  • Exclusion-list awareness is the main driver of real-world performance variance.

Best Utilization

  • Use for eligible online shopping and digital checkout spends as primary online card.
  • Once ₹5,000 cap is reached, route incremental online spends to a secondary card.
  • Keep a separate utility/rent-friendly card since excluded categories do not earn here.

Watchouts

  • Do not assume every online transaction qualifies for 5%; exclusion list is material.
  • Statement-cycle cap tracking is mandatory for heavy shoppers.
  • No default lounge proposition, so pair with a travel/lifestyle card if that matters.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹999
  • Annual fee₹999
  • Waiver threshold₹2,00,000
  • Cap typemonthly
  • Cap resetstatement-cycle
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹500
  • Expiry policyNot applicable because cashback posts to statement and does not accumulate as reward points.
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limit0
  • Airport-terminal rows0
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports21
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: Shopping, CashbackHigher top earn rate (7.5%)Estimated +₹1,890/yr value
View Details

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: no airport lounge entitlement is listed for this cashback-focused card.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for SBI Cashback Card using your current year spend.

₹0 spent₹2 target

Policy signal used: Annual fee waiver on ₹2L yearly spend

Spend threshold

No lounge spend qualification rule is listed for SBI Cashback Card.

Quarter / cycle rule

No quarter/cycle lounge eligibility rule is listed for SBI Cashback Card.

Guest access

Guest lounge access is not listed for SBI Cashback Card.

Priority Pass

Priority Pass is not listed for SBI Cashback Card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 5% cashback on eligible online spends across merchants
  • 1% Offline Cashback
  • Cashback auto-credited to card statement
  • Annual fee waiver on ₹2L yearly spend

Things to Consider

  • 5% cashback has a ₹5,000 cap per statement cycle
  • Rent, wallet loads, fuel, utility and selected MCCs are excluded from cashback
  • No airport lounge benefit on base card proposition

About SBI Cashback Card

SBI Cashback Card is a cashback card from SBI, best for heavy online shoppers. It is tagged under shopping, cashback categories in our database.

ShoppingCashback

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Frequently asked questions

Is SBI Cashback Card lifetime free?

It has an annual fee of ₹999. Waived on annual spends of ₹2,00,000

What rewards does SBI Cashback Card offer?

5% online cashback and 1% offline cashback with a ₹5,000 per statement-cycle cap.

Does SBI Cashback Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider SBI Cashback Card?

Heavy Online Shoppers

Where can I apply for SBI Cashback Card?

Check the issuer link listed for this card.