Verified value
₹1 per point
Redemption
SBI VISA
Cashback
Should you get this?
Conditional fit
Why this card
- Up to 5% on online spend
- You can comfortably spend ₹2,00,000 a year on the card.
- You spend on online shopping.
Trade-off
The annual fee (₹999) is waived only after ₹2,00,000 of eligible annual spend.
Annual fee ₹999 per year
Base cashback 1%
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank IndiGo →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1%Does not earn on ₹2,000 per month
- balance transfer
- cash advance
- education
- emi
- fuel
- gaming
- gift card
- government
- insurance
- jewelry
- railway
- rent
- toll
- utility
- wallet load
Online shopping5%online only₹2,000 per month
Annual fee break-even math
When does this card pay for itself ₹1L
Conservative yearly spend needed at base cashback rates.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- Online shopping₹2,000 per month
- General spend₹2,000 per month
No reward on
- These spends do not earn cashback: Rent
- Education
- Government payments
- Fuel
- +11 more
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹2,00,000yearAnnual fee waiverreasonablestrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate)
- ~₹6,000/year back · net +₹5,000 after ₹999 fee
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
Single source · verify on issuer site
Where to verify
- Operator-verified anchor
- International (cardholder)
- Not included
Single source · verify on issuer site
Where to verify
- Operator-verified anchor
Rewards
- Base cashback
- 1% base cashback
- Reward type
- Cashback
Redemption value
- You earn
- Cashback
- Redemption
- Auto-credited as statement credit (1:1)
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹999
- Joining fee
- ₹999 · verified 12 Jun 2026
- Fee waiver spend
- ₹2,00,000 · verified 12 Jun 2026 Near catalog median waiver (₹2,00,000 vs ₹2,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
4 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Shared Sbicard Com
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹500–₹3,000.
- Maximum waiver ₹100 per statement cycle.
- Fuel transactions do not earn cashback.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap:₹2,000 per month.
Exclusions: 15
These spends do not earn cashback.
Payments
- Rent
- Education
- Government payments
Financial
- Fuel
- EMI
- Wallet loads
- Insurance premiums
- Cash advances
Shopping
- Online gaming
- Gold, silver & precious metals
Utilities
- Utilities
Other
- Cashback is not earned on card, gift, novelty and souvenir shop (MCC…
- Cashback is not earned on toll (MCC 4784)
- Cashback is not earned on railways (MCCs 4011, 4112)
- Cashback is not earned on balance transfers or balance transfer on EMIs
Redemption & expiry
- Cashback redemption: 1 CashBack = ₹1 — Statement balance redemption
- Cashback redemption: Auto-credited to card account — Next billing cycle
Latest update
- Annual fee: ₹999.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹2,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Learn more
Guides matched to this card — not a random syllabus.
- Cashback vs points
When simple cash beats flashy miles - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum