CASHBACK SBI Card credit card
Flat 5% on all online spends (capped ₹2,000 a month since April 2026), 1% offline.
Source: SBI Card – CASHBACK SBI Card · last reviewed 2026-09-19
Why it fits – and what to watch
hover any tile for the detail! No usable lounge access although you asked for it.
Where the money comes from
₹8,834/yr · 2.7%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
- How ₹8,834/yr is calculated
- CASHBACK SBI Card
- + Reward value on your spendat ₹1/Cashback realistic value
- ₹8,474
- + Fuel surcharge waiver1% up to ₹100/month
- ₹360
- + Annual fee incl. 18% GSTwaived – ₹1,179 at ₹2,00,000 spend
- ₹0
- = Recurring net savings
- ₹8,834/yr
- ÷ card spend counted UPI-only rupees excluded on non-RuPay cards
- ₹3,26,640
- = Effective savings rate
- 2.7%
How the score of 60 is built
weights total 100% · methodologyAirport lounges with this card
This card has no complimentary lounge access. Find cards that get you in →
What changed on this card
- DevaluationSBI Card
CASHBACK SBI Card: 5% online cashback capped at ₹2,000 a month, new exclusions
From 1 April 2026 the 5% on online spends is capped at ₹2,000 per statement cycle (down from ₹5,000), the 1% on offline spends at ₹2,000, and total cashback at ₹4,000 a cycle. Digital gaming platforms (MCC 7993, 7994, 5816), tolls (4784) and government transactions (9222, 9311, 9402) no longer earn cashback, on top of the existing rent, fuel, utility, insurance and education exclusions.
Card facts
At a glance
- 5% on every online merchant
- Auto-credited – nothing to redeem
- Fee waived at ₹2L spend
- 5% capped at ₹2,000 a month since Apr 2026 (₹4,000 total incl. offline)
- Utilities, insurance, rent, fuel, tolls and government payments earn nothing
- No lounge access any more
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Community Q&A on the CASHBACK SBI Card
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the CASHBACK SBI Card?
Joining fee ₹999 and renewal fee ₹999, plus 18% GST (₹1,179 a year). The renewal fee is waived if you spend ₹2,00,000 in the card year.
Does the CASHBACK SBI Card give airport lounge access?
No lounge access. None (withdrawn 2024).
How much can I save with the CASHBACK SBI Card?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹8,834 a year, an effective savings rate of 2.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the CASHBACK SBI Card's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. 5% on all online spends (₹2,000/month cap from 1 Apr 2026): capped at ₹2,000 a month
Sources
Reviewed 2026-09-19. Point values are our realistic estimates – see methodology. Also: CASHBACK SBI Card lounge access by airport · all SBI Card cards · change log.