Cashback SBI Credit Card: Benefits & Apply

Table of Contents

Summary

Cashback SBI Credit Card is a credit card designed specifically for those who shop online heavily and want to save on every purchase directly. The most special thing about this card is that it gives you direct cashback without a complicated reward point system.

You earn up to 5% cashback on online purchases, whereas 1% cashback is offered on expenses made offline. This card is extremely beneficial for individuals who make monthly purchases on Amazon, Flipkart, Myntra, or other websites. Other than this, a 1% fuel surcharge is waived for transactions between ₹ 500 to ₹ 3,000 at petrol pumps, also saving vehicle fuel on your part.

The yearly fee of this card is ₹ 999, but it is exempted if you make a payment of ₹ 2 lakh or more within one year. The best part is that the cashback is posted in your card account directly within two working days from the date of statement generation, without you redeeming rewards.

Introduction

In today’s fast-moving world, the use of credit cards has become very common. Credit cards are not only used to make payments but also to take advantage of special discounts. Out of many credit cards that are available in India, the Cashback SBI Credit Card is one of the most popular ones. This credit card is issued by the State Bank of India (SBI), which is relied upon by millions of customers.

In the first place, one of the best things about the Cashback SBI Credit Card is that it gives you a percentage cashback on your offline and online transactions. You can get cashback, whether you are buying clothes, buying flight tickets, or ordering food online. You save a big amount in the cashback in the long run. The cashback also gets credited to your card account, so it is convenient and easy.

Besides cashback, there are some other exciting features on this card too. For instance, there are fuel surcharge waivers, EMI on big spends, and contactless payments. All these things make the card easy to use in our daily lives. Also, the yearly charge on this card is quite affordable, and the benefits you receive easily offset that expense.

The second reason why this card is gaining traction is that it is quite an easy card to apply for. You do not need to personally visit the bank. Instead, you can submit your application sitting at home. The paperwork that needs to be done is minimal as well. With instant approval and doorstep-based KYC, you can get started with using your Cashback SBI Credit Card within three days. And if you happen to have a good credit history, your chances become even better.

What is the Cashback SBI Credit Card?

Cashback SBI Credit Card is a unique card that is being offered by the State Bank of India (SBI) to its credit cardholders. The card is particularly designed for all those shoppers who enjoy shopping and would also wish to save some money simultaneously. By using this card, you get a certain percentage of cashback on the items you buy, especially when you shop online. For example, when you shop for a product from famous websites, some of the money you spend is returned to you in terms of cashback. This way, you end up saving money as well as having the advantage of shopping.

In addition to that, the cashback automatically gets credited to your card account, so you do not have to do anything extra fto getit. Added to that, the card also offers other hassle-free features like waiver of fuel surcharge, convenient conversion to EMI, and contactless transactions. Hence, it not only saves you money but also makes your daily transactions easier.

How is the design of the Cashback SBI Credit Card?

SBI Cashback Credit Card is elegant, trendy, and sophisticated in appearance. On first glance, it looks extremely cool with a shiny black face and an elegant and subtle design. “Cashback” is written on the face in large, bold letters, highlighting its biggest selling point. Additionally, the SBI logo is placed perfectly, providing a professional appearance. Besides that, the card is also provided with a chip for making secure payments, and it is contactless-enabled, thus you simply have to tap and pay and not insert the card.

Apart from being fashionably looking, the card is also light and convenient to carry in your wallet. Thus, it not only functions well but also appears great when used by you. On the whole, the Cashback SBI Credit Card has a simple and elegant look that suits the requirements of modern smart shoppers.

What are the benefits of the Cashback SBI Credit Card?

The following are all its key features and advantages:

1. Attracting Cashback Offers

5% Cashback on Online Spends: Get 5% cashback on every online spend without any merchant limit.

1% Cashback on Offline Spendings: Get 1% cashback on every offline spending

Exclusions: Cashback does not apply to utility bill payments, insurance, fuel, rent, wallet recharges, education services, jewellery, railways, merchant EMI, and Flexipay EMI.

2. Waiver of Fuel Surcharge

Avail a 1%a % fuel surcharge waiver on transactions ranging from ₹500 to ₹3,000 at Indian fuel stations, up to ₹100 per billing cycle.

3. Waiver of Renewal Fee

Waiver of ₹999 renewal fee every year if your annual spend is over ₹2 lakh.

4. Hassle-Free Cashback Credit

Cashback is credited to your SBI Card account within two working days of creation of your next statement.

5. Contactless Payments

Pay fast and securely with contactless payment technology, with reduced risk of card loss and theft.

6. Global Acceptance

Make purchases at over 24 million acceptance points worldwide, including 3.25 lakh merchant establishments in India, wherever VISA is accepted.

7. Add-on Cards

Make your close and near ones independent with add-on cards without extra cost.

8. Utility Bill Payments

Pay electricity, telephone, mobile, and other utility bills conveniently through the Easy Bill Pay feature.

9. Balance Transfer on EMI

Transfer dues from credit cards of other banks to your Cashback SBI Card and pay in EMIs at a reduced rate of interest.

What are the fees for the Cashback SBI Credit Card?

Here is a simple breakdown of the Cashback SBI Credit Card fees.

Joining Fee	Rs. 999 + GST
Annual Fee	Rs. 999 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Cashback SBI Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get a Cashback SBI Credit Card?

The documents that you will have to submit to get the Cashback SBI Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Cashback SBI Credit Card be used?

Here is the list of places where you can use it:

With the Cashback SBI Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Cashback SBI Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Cashback SBI Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Cashback SBI Credit Card?

The credit amount you can spend is what you are provided to you with a Cashback SBI Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a Cashback SBI Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the SBI Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the Cashback SBI Credit Card.

Just hover your cursor on the Cashback SBI Credit Card and select ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest SBI Bank branch to apply for the Cashback SBI Credit Card.

Request for the credit card application form of the Cashback SBI Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Cashback SBI Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a Cashback SBI Credit Card in 2025 be right?

Yes, getting a Cashback SBI Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Lastly, Cashback SBI Credit Card is a great option for saving on daily spends, especially for those who do online shopping. Currently when a majority of the shopping is done online, the 5% cashback on this card proves to be useful. Apart from this, 1% cashback is also offered on offline spends, which generates some saving on all types of expenditure.

Apart from this, this card also gives you a 1% fuel surcharge rebate, bill payment facility at your fingertips, balance transfer facility, and overseas usage facility. Not only this, if you spend up to ₹ 2 lakh annually, then your membership fee for the next year is also waived, which is another big relief.

Thus, if you are looking for a credit card that offers simple and direct cashback on your daily expenses, then the Cashback SBI Credit Card can be a wise option. Overall, this card not only makes your shopping cost-effective but also gives you a modern and convenient payment experience. Hence, this card is suitable for all those who want to spend smartly and save at the same time.