SBI Cashback Credit Card Review 2026
The SBI Cashback Credit Card is one of the most powerful cashback credit cards in India, especially for users who spend heavily online. Unlike other cards that offer cashback only on selected brands, this card provides flat 5% cashback on almost all online transactions, making it highly versatile. Issued by State Bank of India, this card is ideal for people who shop online across multiple platforms like Amazon, Flipkart, Myntra, and more. If your monthly online spending is high, this card can generate consistent cashback without restrictions.
Key Highlights
✅
Lifetime Free
Option Available
₹
Contactless
Payment
🛋️
Lounge Access
Not Available
🎁
5% cashback
On Online Spent
Quick Overview
| Feature | Details |
|---|---|
|
Card Name |
SBI Cashback Credit Card |
|
Card Type |
Cashback Credit Card |
|
Best For |
Online Spending |
|
Joining Fee |
₹999 + GST |
|
Annual Fee |
₹999 + GST (Lifetime Free option available) |
|
Cashback |
5% Online |
|
Lounge Access |
No |
|
Fuel Benefits |
1% Waiver |
Explore More Credit Cards
- No major welcome bonus
- Focus on ongoing cashback
- Long-term earning card
- 🛒 5% Cashback on Online Spends
- ✔ All online transactions
✔ No need to select specific brands - 👉 Monthly Cashback Cap: ₹5000
- 🧾 1% Cashback on Offline Spends
- ✔ POS transactions
✔ All offline purchases - 👉 Unlimited cashback
- 📊 Cashback Example
- If you spend ₹50,000/month online:
- 👉 5% cashback = ₹2500
👉 Yearly = ₹30,000 savings 🔥
- ❌ No lounge access
- Card is focused on cashback, not premium perks
- ✔ 1% Fuel surcharge waiver
- ✔ Valid on ₹500–₹3000
- Maximum waiver of Rs. 100/- per statement cycle per credit card account
- Age Limit Criteria:18 to 80 years
- Be an Indian citizen with a permanent address in India
- Minimum FD amount of ₹20,000 required with IDFC FIRST Bank
- No income proof required
- No CIBIL score needed (FD required)
- Perfect for beginners & students
- ✔ PAN Card
- ✔ Aadhaar Card
- ✔ Income proof
- ✔ Address proof
Expert Review
The SBI Cashback Credit Card is one of the best credit cards in India for online users. Its flat 5% cashback model makes it extremely powerful compared to category-based cards.
👉 If you shop across multiple platforms, this card can give maximum value without restrictions.
How to Apply Online?
- Click Apply Now
- Fill details
- Complete KYC
- Get approval
Safety & Security
✔ Backed by SBI
✔ Secure transactions
✔ RBI compliant
Pros & Cons
✅ Pros
✔ Flat 5% cashback on online spends
✔ Works on all websites
✔ High cashback cap (₹5000)
✔ Simple & transparent
❌ Cons
✖ No lounge access
✖ Annual fee applicable
✖ No cashback on some categories (like wallet load, rent, etc.)
Final Verdict
If you are searching for a best cashback credit card in India for online spending, the SBI Cashback Credit Card is one of the top choices.
👉 It offers consistent cashback, high limits, and excellent value for money.
👉 You can save ₹20,000–₹50,000 yearly with smart usage.
👉 Visit Cardsathi.in, compare cards & apply now 🚀
FAQs : Scapia Federal Bank Credit Card
- Q1. Is SBI Cashback card worth it?
- 👉 Yes, for online users
- Q2. What is max cashback?
- 👉 ₹5000/month
- Q3. Is it better than Amazon Pay card?
- 👉 Yes for multi-platform use
- Q4. Is it beginner friendly?
- 👉 Moderate
SOME IMPORTANT LINKS
| Name | Links |
|---|---|
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Apply Online |
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Check Eligibility |
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View All Cards |
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Terms & Conditions |
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Most Important T&C |