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| | | {{Infobox:credit-card-image |
| 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.
| | | Card Image = [[File:SBI-Cashback.png]] |
| | | | Card Name = SBI Cashback Credit Card |
| === '''Key Features''' === | | | Bank Name = SBI Cards |
| * '''5% cashback''' on eligible online purchases (excluding rent, utilities, wallet loads, etc.)
| | | Category = Cashback Credit Card |
| * '''1% cashback''' on all other spends (including offline and miscellaneous purchases)
| | | First Launched = September, 2022 |
| * Cashback is '''automatically credited''' to the statement balance each month
| | | Relaunched = |
| * Works across all major online platforms (Amazon, Flipkart, Myntra, Ajio, Nykaa, etc.)
| | | Card's Networks = Visa |
| | | | Reward Rate = 5% |
| === '''Fees and Charges''' ===
| | | Airmiles = No |
| * '''Joining Fee''': ₹999 + GST
| | }} |
| * '''Annual Fee''': ₹999 + GST (waived on annual spends of ₹2,00,000 or more)
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| * '''Interest Rate''': Up to 3.5% per month (42% per annum)
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| * '''Foreign Currency Mark-up Fee''': 3.5%
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| * '''Fuel Surcharge Waiver''': 1% (on fuel transactions between ₹500 and ₹3,000; capped at ₹100/month)
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| === '''Cashback Exclusions''' ===
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| Cashback is '''not applicable''' on the following categories: | |
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| * Wallet reloads (e.g., Paytm, PhonePe)
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| * Utility bill payments
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| * Rent payments
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| * Fuel transactions
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| * Insurance premiums
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| * Government-related payments
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| * Education-related payments
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| * EMI transactions (merchant EMIs and post-purchase conversions)
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| <blockquote>''Note: Cashback eligibility is determined by Merchant Category Codes (MCCs). Transactions under excluded MCCs will not earn cashback.''</blockquote>
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| === '''Eligibility Criteria''' === | |
| * Age: 21 to 60 years (for the primary cardholder)
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| * Applicant must be an '''Indian resident''' with valid KYC documents
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| * Minimum income and credit score as per SBI Card’s internal credit policy
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| === '''How to Apply''' ===
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| * '''Online''': Through the official website [https://www.sbicard.com www.sbicard.com]
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| * '''Offline''': By visiting an SBI branch or contacting an authorized representative
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| * '''Approval Time''': Typically 1 to 3 business days after document verification and eligibility check
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| === '''Why Choose the SBI Cashback Credit Card?''' ===
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| * '''No platform restrictions''': Earn 5% cashback on any eligible online platform
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| * '''Automatic cashback''': No need for reward redemption or conversions
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| * '''Ideal for multi-platform shoppers''': Works equally well on Amazon, Flipkart, Ajio, Nykaa, and more
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| * '''Simple reward structure''': No complicated points—just real cashback credited monthly
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| === '''Summary''' ===
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| 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.
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