Annual fee₹999+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa
You earn
Perks & rules
What changed
No changes yet. We re-check every week.
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asCashback
Base rate1% on offline (in-store) spends
Higher rates
- Online: 5% on online spends, any merchant
Limits
- Online: up to ₹2,000 per statement cycle
- Offline: up to ₹2,000 per statement cycle
- Total: up to ₹4,000 per statement cycle
- Rounded down per transaction
Doesn't earn on
- Fuel, wallet, rent, jewellery, education, utilities, insurance, gift shops, railways, quasi-cash, gaming, tolls, government
- Flexipay and merchant EMI; bill payments via SBI Card platforms
Where it landsAutomatically to your card account within 2 working days after the statement
What a point is worth
Value₹1 of cashback = ₹1 off your bill
ExpiryNot applicable: cashback is credited to your card
Redemption feeNone: credited automatically
Welcome benefit
WelcomeNone stated
Milestones
MilestonesNone stated
Airport lounges
DomesticNone
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹500–₹3,000, up to ₹100 a statement cycle; no cashback on fuel
Spending abroad
Forex markup3.5%
Fees
Joining fee₹999 + GST
Annual fee₹999 + GST
Fee waiverRenewal fee reversed on ₹2 lakh yearly spend
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100); +₹100 if minimum due missed twice in a row
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
AgeNot stated on product page
SalariedNot stated on product page
Self-employedNot stated on product page
More perks
PerksNone stated
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- CASHBACK SBI Card product page Product page · 2 Oct 2026
- CASHBACK SBI Card T&C (welcome kit) Card T&C · 2 Oct 2026
- SBI Card Most Important Terms & Conditions Fee schedule · 2 Oct 2026
Card image: SBI Card's own website.
