Cashback SBI Credit Card Review, Benefits, Features and Eligible Criteria

Introducing the Cashback SBI Credit Card, a powerful financial tool that rewards you for your everyday spending. This credit card is designed to put money back in your pocket with its attractive cashback offers and benefits.

With the Cashback SBI Credit Card, you can earn cashback on a wide range of transactions, including shopping, dining, fuel purchases, and more. Every time you use your card, you accumulate cashback that can be redeemed or utilized towards your future purchases. The more you spend, the more you earn, making it a rewarding experience for your regular expenses.

Not only does the Cashback SBI Credit Card offer lucrative cashback rewards, but it also provides additional perks such as welcome bonuses, milestone rewards, and discounts on partner merchants. Whether you’re shopping online, dining out, or filling up your fuel tank, this card ensures that you get the most value out of your spending.

Furthermore, managing your Cashback SBI Credit Card is easy and convenient with online banking and mobile app access. You can track your cashback earnings, view statements, make payments, and redeem rewards with just a few clicks.

Get ready to maximize your savings and enjoy the benefits of cashback with the Cashback SBI Credit Card. Apply today and start earning as you spend!

Benefits and Features of Our Credit Cards

1.Card Cashback

Introducing the Card Cashback, a credit card that rewards you for your spending in both online and offline transactions. With this card, you can enjoy a generous 5% cashback on all your online purchases, without any restrictions on merchants. Additionally, you earn 1% cashback on your offline spends.

It’s important to note that cashback is not applicable on certain transactions, such as Merchant EMI and Flexipay EMI transactions, as well as categories including Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways, and more. For a comprehensive list of exclusions, please refer to the terms and conditions on the official website at

The Card Cashback offers a simple and convenient way to earn cashback on your everyday purchases. Whether you’re shopping online or offline, this card ensures that you get rewarded for your spending. Start maximizing your cashback rewards today and make the most of your transactions with the Card Cashback.

2.Hassle free

Experience a hassle-free cashback experience with the Card Cashback. Your earned cashback will be automatically credited to your SBI Card account within two days of the next statement generation. For more information and specific terms and conditions, please refer to the Cardholders T&C. Enjoy the convenience of effortless cashback rewards with the Card Cashback and make the most of your spending.

3.Spend Based Reversal

With Spend Based Reversal, you have the opportunity to reverse the Renewal Fee on your credit card. By achieving annual spends of Rs. 2 Lakhs or more, you can have the Renewal Fee waived off. This feature rewards you for your regular spending and provides a convenient way to enjoy the benefits of your credit card without any additional costs. Start maximizing your spending and take advantage of the Spend Based Reversal to enjoy a fee-free renewal on your credit card.

4.Fuel Surcharge Waiver

Say goodbye to fuel surcharges with the Fuel Surcharge Waiver offered by your credit card. You can enjoy a 1% waiver on fuel surcharges at all petrol pumps across India. This benefit is applicable on transactions ranging from Rs. 500 to Rs. 3,000, excluding GST and other charges. You can receive a maximum surcharge waiver of Rs. 100 per statement cycle per credit card account. With this feature, you can save on your fuel expenses and enjoy a more affordable refueling experience. Make the most of your credit card and take advantage of the Fuel Surcharge Waiver whenever you fill up your tank.

5.Worldwide Acceptance

Experience the convenience of worldwide acceptance with your CASHBACK SBI Card. With over 24 million outlets accepting VISA globally, you can use your card to make payments wherever VISA is accepted. In India alone, there are 3,25,000 outlets where you can conveniently use your card for transactions. Whether you’re traveling abroad or exploring local establishments, your CASHBACK SBI Card ensures seamless payment options at a wide range of outlets. Enjoy the flexibility and convenience of using your card for purchases, making your shopping experiences hassle-free, no matter where you are.

6.Add-on Cards:

Extend the benefits of your CASHBACK SBI Card to your family members with convenient add-on cards. Empower your parents, spouse, children, or siblings above the age of 18 with their own cards, allowing them to enjoy the perks and rewards of the CASHBACK SBI Card.

7.Cash on the Go:

Access cash anytime, anywhere with your CASHBACK SBI Card. With over 1 million VISA ATMs across the globe, you can conveniently withdraw cash whenever you need it. Enjoy the flexibility and convenience of having cash on the go, ensuring that you’re always prepared for any financial need that may arise.

8.Utility Bill Payment Facility:

Streamline your bill payments with the Easy Bill Pay facility on your CASHBACK SBI Card. Pay your electricity, telephone, mobile, and other utility bills effortlessly using your credit card. Simplify your financial management and enjoy the convenience of consolidating your utility bill payments into one secure platform provided by your CASHBACK SBI Card.

Contactless Advantage

Experience the Contactless Advantage with your CASHBACK SBI Card, making your daily purchases easier than ever. Simply tap your card at a secure reader to complete your transactions swiftly and conveniently.

Enjoy the benefits:

– Fast & convenient: No need to hand over your card or search for cash or coins for everyday small-ticket purchases. The contactless feature allows for quick and seamless transactions, saving you time and effort.

– Enhanced security: With Contactless transactions, your card never leaves your hand, significantly reducing the risk of card loss and fraud. The advanced security features, such as VISA PayWave’s unique security key, ensure that only one transaction goes through even if the card is tapped multiple times at the reader. This provides an added layer of security, protecting you from counterfeit or unauthorized transactions.

Make the most of the Contactless Advantage with your CASHBACK SBI Card, enjoying the convenience, speed, and enhanced security that contactless transactions offer.

Balance Transfer on EMI

Reduce your financial burden and save money with Balance Transfer on EMI offered by your CASHBACK SBI Card. Take advantage of this service by transferring the outstanding balance from your other bank’s credit cards to your CASHBACK SBI Card. Not only will you benefit from a lower rate of interest, but you can also repay the amount in easy EMIs.

To make the most of this feature, simply log on to using your user ID and password. From there, you can initiate the balance transfer process and enjoy the convenience of consolidating your credit card dues onto your CASHBACK SBI Card.

Say goodbye to high interest rates and enjoy the flexibility of manageable EMIs. Take control of your finances and make smart decisions by availing the Balance Transfer on EMI facility with your CASHBACK SBI Card.


Here are some frequently asked questions about the Cashback SBI Credit Card:

1. How can I earn cashback with my Cashback SBI Credit Card?
– You can earn cashback on your online spends without any merchant restrictions, at a rate of 5%. Additionally, you can earn 1% cashback on offline spends. However, please note that cashback is not applicable on Merchant EMI and Flexipay EMI transactions, as well as certain categories such as utility, insurance, fuel, rent, wallet, school & educational services, jewelry, railways, and more. For a complete list of exclusions, refer to the Cardholder’s Terms and Conditions.

2. How and when will the cashback be credited to my SBI Card account?
– The cashback earned on your transactions will be auto-credited to your SBI Card account within two days of your next statement generation. You can check your statement to track the cashback credited.

3. Can I withdraw cash using my Cashback SBI Credit Card?
– Yes, you can withdraw cash from ATMs using your Cashback SBI Credit Card. However, please note that cash withdrawals may be subject to certain limits and charges, which will be mentioned in your card’s terms and conditions.


In conclusion, the Cashback SBI Credit Card offers a range of benefits and features that enhance your shopping and spending experiences. With attractive cashback offers on both online and offline transactions, you can earn rewards while making everyday purchases. The hassle-free auto-crediting of cashback to your SBI Card account ensures convenience and timely rewards. Additionally, the worldwide acceptance of the card allows you to use it at millions of outlets across the globe.

The card also provides convenient payment options, including online platforms, NEFT, and mobile apps, making it easy to manage and settle your credit card dues. With features like add-on cards, cash withdrawal options, and utility bill payment facilities, the Cashback SBI Credit Card offers flexibility and convenience to suit your financial needs.

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