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<big>SBI Cashback Credit Card</big>
{{Infobox:credit-card-image
| Card Image = [[File:SBI-Cashback.jpg|265px]]
| Card Name = SBI Cashback Credit Card
| Apply For This Card = https://www.technofino.in/takeme/sbi-cb-tfc
| Bank Name = SBI Cards
| Category = Cashback Credit Card
| First Launched = September, 2022
| Relaunched =
| Card's Networks = Visa
| Reward Rate = 5%
| Airmiles = No
}}The SBI Cashback Credit Card — a popular offering in SBI Card’s portfolio — is designed for digital-savvy consumers who prefer simplicity, flexibility, and instant savings. Unlike reward point-based cards, this card offers platform-independent flat-rate cashback that is automatically credited to the statement, making it a no-hassle solution for everyday online spending.


The '''SBI Cashback Credit Card''' is a consumer credit card issued by '''SBI Card'''. It is designed for individuals who frequently shop online and offers a platform-independent cashback structure. The card provides automatic cashback directly to the card statement, making it convenient and user-friendly.
Positioned as a low-maintenance, high-return card, it targets users who frequently shop online across major platforms like Amazon, Flipkart, Myntra, Ajio, and more. With an affordable annual fee of ₹999 and no reward tracking required, the Cashback Card is a compelling product in the entry-level to mid-range cashback segment.


=== '''Key Features''' ===
Over time, this card has established itself as a reliable option for customers who prioritize real cashback over complicated points systems, making it one of India’s most straightforward and rewarding credit cards for online spending.
* '''5% cashback''' on eligible online purchases (excluding rent, utilities, wallet loads, etc.)
* '''1% cashback''' on all other spends (including offline and miscellaneous purchases)
* Cashback is '''automatically credited''' to the statement balance each month
* Works across all major online platforms (Amazon, Flipkart, Myntra, Ajio, Nykaa, etc.)


=== '''Fees and Charges''' ===
== Charges ==
* '''Annual Fee''': ₹999 + GST (renewable annually, waived off on spends of ₹2 lakhs or more in the previous membership year)
* '''Joining Fee''': ₹999 + GST
* '''Joining Fee''': ₹999 + GST
* '''Annual Fee''': ₹999 + GST (waived on annual spends of ₹2,00,000 or more)
* '''Interest Rate''': Up to 3.5% per month (42% per annum)
* '''Foreign Currency Mark-up Fee''': 3.5%
* '''Fuel Surcharge Waiver''': 1% (on fuel transactions between ₹500 and ₹3,000; capped at ₹100/month)


=== '''Cashback Exclusions''' ===
== Welcome & Renewal Benefits ==
Cashback is '''not applicable''' on the following categories:
There are no gift vouchers or reward points awarded as welcome or renewal benefits. The core benefit remains cashback on eligible spends, auto-credited monthly to the card statement.
 
== Cashback Credit Program ==
 
=== A. Cashback Earning ===
* Earn '''5% cashback''' on all eligible '''online spends''', including Amazon, Flipkart, Myntra, Ajio, Nykaa, and others.
* Earn '''1% cashback''' on all '''other spends''', including offline and miscellaneous transactions.
* Cashback is '''automatically credited''' to the statement within 2 days of the statement generation.
* Maximum cashback per billing cycle: ₹5,000.
 
=== B. Cashback Exclusions ===
Cashback is not applicable on the following transaction types:


* Wallet reloads (e.g., Paytm, PhonePe)
* Wallet reloads (e.g., Paytm, PhonePe)
* Utility bill payments
* Utility bill payments
* Rent payments
* Rent payments
* Fuel transactions
* Fuel spends
* Insurance premiums
* Insurance premium payments
* Government-related payments
* Government-related payments
* Education-related payments
* Education-related transactions
* EMI transactions (merchant EMIs and post-purchase conversions)
* EMI transactions (merchant EMIs and post-purchase EMI conversions)
 
Note: Cashback eligibility is determined based on Merchant Category Codes (MCCs).
 
== Key Features & Benefits ==
 
=== Fuel Surcharge Waiver ===
* 1% waiver on fuel surcharge at all fuel stations in India.
* Eligible on transactions between ₹500 and ₹3,000.
* Maximum waiver: ₹100 per billing cycle.
* No cashback is applicable on fuel transactions.
 
=== Foreign Currency Markup ===
A standard foreign transaction fee of '''3.5% + GST''', applicable on all international purchases made in foreign currency.
 
=== Zero Lost Card Liability ===
If the card is lost or stolen and reported promptly, the cardholder is not liable for any fraudulent transactions that occur post-reporting.
 
== Eligibility Criteria ==
 
==== For Salaried (Non-Government Employees) ====
 
* Age: Min 21 years & Max 60 Years
* Net Monthly Income: Above ₹25,000 (indicative, may vary)


<blockquote>''Note: Cashback eligibility is determined by Merchant Category Codes (MCCs). Transactions under excluded MCCs will not earn cashback.''</blockquote>
==== For Self-Employed (Non-Government Professionals) ====


=== '''Eligibility Criteria''' ===
* Age: Min 21 years & Max 65 Years
* Age: 21 to 60 years (for the primary cardholder)
* Income: ITR > ₹5 Lakhs per annum
* Applicant must be an '''Indian resident''' with valid KYC documents
* Minimum income and credit score as per SBI Card’s internal credit policy


=== '''How to Apply''' ===
==== Common Requirements ====
* '''Online''': Through the official website [https://www.sbicard.com www.sbicard.com]
* '''Offline''': By visiting an SBI branch or contacting an authorized representative
* '''Approval Time''': Typically 1 to 3 business days after document verification and eligibility check


=== '''Why Choose the SBI Cashback Credit Card?''' ===
* Must be an Indian resident with valid KYC documents
* '''No platform restrictions''': Earn 5% cashback on any eligible online platform
* Credit score and approval subject to internal SBI Card policy
* '''Automatic cashback''': No need for reward redemption or conversions
* '''Ideal for multi-platform shoppers''': Works equally well on Amazon, Flipkart, Ajio, Nykaa, and more
* '''Simple reward structure''': No complicated points—just real cashback credited monthly


=== '''Summary''' ===
=== How to Apply ===
The '''SBI Cashback Credit Card''' is an excellent choice for users who make regular online purchases across different platforms. With its flat 5% cashback, automatic credit system, and platform independence, it offers a straightforward and rewarding experience for digital shoppers.
You can only apply online for this credit card. Apply directly via https://www.technofino.in/takeme/sbi-cb-tfc
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