SBI credit card
SBI Cashback Credit Card
Flat 5% cashback on online spends — auto-adjusted to your bill
Credofly overview
Is SBI Cashback Credit Card right for you?
Flat 5% cashback on all your online transactions — from Swiggy to Amazon, Flipkart to Uber. Auto-credit, no fuss, no games.
Get 5% cashback on most online purchases and 1% on offline spends. Cashback is auto-adjusted in your statement.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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5% cashback on online transactions
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1% cashback on offline transactions
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Max ₹5,000 cashback per statement cycle
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Cashback is directly adjusted in your next bill (no points or vouchers)
How you can redeem
No redemption process needed — cashback is auto-credited to your statement each billing cycle.
EMI Transactions, Insurance, Wallet, Rent, Education, Fuel, and Government Spends
<p>No cashback on fuel, wallet loads, rent payments, insurance, education, EMI, or government-related spends. Exclusions apply to both 5% and 1% categories.</p>Beyond rewards
Benefits that matter
Welcome offer
None currently. Value comes from cashback structure.
Milestone benefits
None
Renewal benefits
None, but cashback earned can easily offset the ₹999 annual fee.
Card benefits
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5% cashback on online shopping
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1% cashback on offline spends
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Cashback auto-adjusted in next bill
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SBI Card app access for easy tracking
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Visa platform accepted almost everywhere
Our independent take
Credofly review
The SBI Cashback Credit Card is the closest you’ll get to a real cashback credit card in India. While most banks offer reward points that confuse and expire, SBI gives you straight 5% money back on online transactions — credited directly to your bill.
This makes the card perfect for someone who wants to earn with every swipe, without thinking about redemption values, portals, or conversion ratios. Offline spends earn 1% — still better than many low-value reward programs.
At ₹999/year, it’s priced higher than zero-fee cards — but the cashback easily makes up for it if you spend even ₹20K/month online. There’s no lounge access, no vouchers, no gimmicks. Just cashback that feels real.
✔️ The best cashback card in India for digital shoppers
✔️ Auto-credit makes it beginner-friendly and rewarding
❌ No travel perks, no milestone vouchers — pure cashback only
Why we like it
India’s only real cashback card — no fine print, no rewards jargon. Just money back every month on your bill.
Strengths
- <p>5% cashback on all online transactions (up to ₹5,000/month)</p>
- <p>Cashback auto-credited to bill — no redemption or points</p>
- <p>Flat 1% on all offline spends (no cap)</p>
Watch-outs
- <p>No cashback on fuel, rent, wallet loads, etc.</p>
- <p>₹999 annual fee (no waiver benefit)</p>
- <p>No airport lounge access or premium perks</p>
Before you apply
Eligibility & application
Eligibility
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Age: 21–65
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Income: ₹25,000+/month
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Good credit score (CIBIL 700+)
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Indian resident
How to apply
Apply online in 2 mins:
👉 Click here to apply via Credofly
Instant eKYC approval. Submit PAN + Aadhaar + income proof. Physical card delivered within 5–7 working days.
Your questions answered
FAQs
Is the 5% cashback applicable on Amazon & Flipkart?
Yes, all eligible online merchants qualify, including Amazon, Flipkart, Myntra, Swiggy, etc.
How is the cashback credited?
Directly to your credit card statement — no rewards portal or conversion required.
What’s the max cashback per month?
₹5,000/month is the maximum cashback per billing cycle.
Are there any joining bonuses?
No, this card has no welcome offer.
Is rent or wallet load eligible for cashback?
No, these are excluded categories.
From cardholders
User reviews
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