SBI
SBI Cashback Credit Card
Cashback
₹999 + GST
₹999 + GST
Card Details
The SBI Cashback Credit Card is India’s only flat 5% online cashback card — no reward points, no redemption steps. Your cashback is auto-credited to your statement every month. You earn 5% cashback on online spends (up to ₹10,000/month cashback) and 1% on all offline card transactions. At just ₹999/year, this card pays for itself even with modest online spending. Combine that with a smooth digital application and instant approval — and you’ve got a no-nonsense cashback machine.
Available Networks: VisaReward Details
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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)
Best Suited For
You will get high Cashback as compared to other credit cards
Get 5% cashback on most online purchases and 1% on offline spends. Cashback is auto-adjusted in your statement.
Milestone Details
None
Reward Redemptions
No redemption process needed — cashback is auto-credited to your statement each billing cycle.
Excluded Spend Categories
You wont get any Cashback for following spend types
Pros of SBI Cashback Credit Card
5% cashback on all online transactions (up to ₹5,000/month)
Cashback auto-credited to bill — no redemption or points
Flat 1% on all offline spends (no cap)
Cons of SBI Cashback Credit Card
No cashback on fuel, rent, wallet loads, etc.
₹999 annual fee (no waiver benefit)
No airport lounge access or premium perks
Why We Like It
India’s only real cashback card — no fine print, no rewards jargon. Just money back every month on your bill.
Application Process
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.
Card 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
Conclusion
✔️ 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
