You prefer online shopping and can increase your cashback earnings. SBICard has announced the SBI Cashback Credit Card, a pure cashback card that tops all other cashback credit cards in the market by giving an unparalleled 5% reward on online transactions. Given its look, it’s a fantastic card for both novices and extremely premium consumers who want to split the money they spend. The yearly and joining fees for the card are only ₹999. It is widely accepted and simple to use. All the information you require regarding this essential cashback credit card for 2025 is provided here.
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Why Choose the SBI Cashback Credit Card?
Here are a few reasons and key highlights to choose the SBI cashback credit card:
- 5% Cashback on Online Transactions – No merchant restrictions, no caps on specific e-commerce sites, just pure cashback.
- 1% Cashback on Offline Spending – Even if you’re swiping your card at a physical store, you’re still earning.
- Automatic Cashback Credit – No need to manually redeem; cashback is credited to your statement automatically.
- Annual Fee Waiver – Spend a certain amount annually, and your fee is reversed, making this card potentially free for high spenders.
SBI Cashback Credit Card Features & Benefits
1. High Cashback Rates
- 5% cashback on all online purchases – No restrictions or conditions.
- 1% cashback on offline transactions – Ensuring savings on everyday spending.
2. Automatic Cashback Crediting
- No need for manual redemption.
- Cashback is credited directly to your statement, simplifying the reward process.
3. Contactless Payments & Security
- Tap & Pay functionality for seamless transactions.
- EMV chip security to stop illegal transactions and fraud.
4. Fuel Surcharge Waiver
- For transactions between Rs. 500 and Rs. 3,000, there is a 1% fuel cost waiver.
- Helps frequent drivers save on fuel expenses.
5. Annual Fee & Waiver
- Annual fee: Rs. 999.
- Waived on annual spending of Rs. 2,00,000, making the card free for high spenders.
Eligibility & Application Process for SBI Cashback Credit Card
Eligibility Criteria
- Age: 21 to 65 years.
- Resident Type: Indian Citizen.
- Income: Stable monthly income (threshold as per SBI’s internal criteria).
- Credit Score: Must be above 750 for better approval chances.
Documents Required
- PAN Card.
- Aadhaar Card or any gov Id proof.
- Income proof.
- Passport-sized photographs.
How to Apply SBI Cashback Credit Card?
Apply Online:
Visit the SBI Card website
Fill out the application form with your details
Upload the necessary documents
Submit and wait for approval
Apply Offline:
Visit your nearest SBI branch
Fill out the physical application form
Submit the required documents
Wait for confirmation via SMS or email
Pros & Cons of the SBI Cashback Credit Card
Pros:
5% cashback on online shopping without merchant restrictions.
No redemption hassles – cashback is directly credited.
Fuel surcharge waiver for additional savings.
Annual fee waiver on high annual spending.
Contactless payments for security and convenience.
Cons:
No lounge access benefits, making it less appealing for frequent travelers.
No travel or lifestyle rewards – purely a cashback-focused card.
1% cashback on offline transactions, which is lower than some competing cards.
Who Should Get This SBI Cashback Credit Card?
- Online Shoppers: High cashback on e-commerce makes it an ideal choice.
- Everyday Spenders: Even daily purchases earn cashback.
- Those Who Prefer Simplicity: No complex reward points or restrictions.
Final Verdict
- One of the best cashback cards in India.
- 5% cashback on online transactions is highly rewarding.
- Automatic cashback crediting makes redemption effortless.
- Ideal for digital shoppers and everyday spenders.
