CASHBACK SBI Card
A plain cashback card: 5% on online spends with no merchant restriction and 1% offline, each capped at ₹2,000 a statement cycle; ₹999 a year, reversed at ₹2 lakh of spend. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹999 plus GST Product page |
|---|---|
| Annual fee | ₹999 plus GST Product page |
| Annual fee waiver | On ₹2,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Online spends | 5% cashback Product page | up to ₹2,000 a statement cycle Terms |
| Offline spends (anything not classed as online) | 1% cashback Product page | up to ₹2,000 a statement cycle Terms |
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹100 a statement cycle Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- a RuPay variant for UPI
- eligibility criteria (age and income)
The quotes behind the figures
30 figures, each copied from an official SBI Card document.
Show every quote and source
“The Joining Fee of the card is Rs. 999 + taxes. The Renewal Fee is Rs. 999 + taxes from the second year onwards.”
“Renewal Fee (per annum): Rs. 999 + taxes from second year onwards”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%”
“Renewal Fee is reversed if annual spends for last year >= Rs. 2,00,000.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“5% Cashback on online* spends without any merchant restriction”
“The maximum cashback that may be earned on online transactions in a statement cycle is Rs. 2,000.”
“You can earn card cashback of 5% on online transactions and 1% on offline transactions.”
“1% Cashback on offline* spends”
“The maximum cashback that may be earned on Offline transactions in a statement cycle is Rs. 2,000.”
“Online Spends will be identified basis the online indicators sent by Card Networks (VISA, Rupay. Etc.) and acquirer. Any transaction not categorized as online would be termed as offline.”
“Card Cashback is not applicable on transactions less than 100.”
“Cashback is not applicable on fuel spends.”
“Any purchases at petrol pumps/service stations (MCCs: 5172, 5541, 5542, 5983)”
“E wallet loading transactions identified under MCCs 6540 and 6541”
“Payments towards Rent/property management under MCCs 6513 and 7349”
“School and Educational Services transactions identified under MCCs 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351”
“Utility transactions identified under MCCs 4900, 4814, 4816, 4899, 9399”
“Insurance transactions identified under MCCs 5960, 6300, 6381”
“Cashback will not be applicable on spends at Digital Gaming Platforms/Merchants, Tolls and Government”
“Railways transactions identified under MCCs 4011, 4112”
“Cashback is not applicable for spends on Utilities, Insurance, Fuel, Rent, Wallets, Education, Jewellery, Railways, and more.”
“Under no circumstances shall the aggregate cashback in a single statement cycle exceed Rs. 4,000.”
“Card Cashback earned on such SBI Card is directly credited to the SBI Card account within two working days of the statement generation.”
“Your Card Cashback does not expire.”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 3,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 100 per statement cycle, per credit card account.”
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“CASHBACK SBI Card powered by Visa contactless technology is a fast and”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology