SBI Card CASHBACK SBI Card credit card
SBI CardVisaCashback

CASHBACK SBI Card credit card

Flat 5% on all online spends up to ₹5,000 a month, 1% offline.

55
Personal score55/100● Good fit
Recurring net savings₹8,834/yrafter fee, GST and caps · bills paid in full
First-year value₹7,656no welcome offer, ₹1,179 joining fee
Effective savings rate2.7%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹1,179waiver at ₹2,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: SBI Card – CASHBACK SBI Card · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹7,560/yr5% on all online spends (₹5,000/month cap)
Waived₹1,179 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹8,834/yr · 2.7%
5% on all online spends (₹5,000/month cap)on ₹1,51,200₹7,560
Base rate 1% on other spendson ₹91,440₹914
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 55 is built

weights total 100% · methodology
Net savings rate45/100 × 55%24.8
Usable lounge access0/100 × 15%0.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated5% 5% on all online spends
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹1,179/yr incl. GSTwaived on ₹2,00,000 spend · joining ₹999
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone (withdrawn 2024)
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Auto-credited to statement within two days of statement generation.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr; salaried preferred

At a glance

  • 5% on every online merchant
  • High ₹5,000 monthly cap
  • Nothing to redeem
  • No lounge access any more
  • Utilities, insurance, rent, fuel earn nothing
  • 3.5% forex markup

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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 SBI Card 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 (₹5,000/month cap): capped at ₹5,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.