SBI

SBI Card Cashback Credit Card

Good fit when rewards, fees, and forex fit your spend pattern.

SBI VISA

Cashback

Should you get this?

Conditional fit

Verified

Why this card

Up to 5% on online spend
5% on eligible Online shopping, subject to caps.
1% on offline spending.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹999) is waived only when eligible annual spend reaches ₹2,00,000.

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 above

Offline1%offline only₹2,000 per statement cycle

Online shopping5%online only₹2,000 per statement cycle

When does this card pay for itself?

Rewards break-even estimate

₹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 get

Base earn

1% base cashback

Best verified lane

Online shopping

View bonus categories →

Caps

Online shopping₹2,000 per statement cycle
Offline₹2,000 per statement cycle

View full earning rules →

No reward on

These spends do not earn cashback: Rent
Education
Government payments
Fuel
+11 more

See earning rules →

Costs & fees

Eligibility

Applicant class · age · income

Salaried applicant

Minimum age: 21 years or older

Self-employed applicant

Minimum age: 25 years or older

Supplementary applicant

Minimum age: 18 years or older

Some criteria vary by applicant type, so no single threshold is shown for those fields.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹2,00,000yearAnnual fee waiver

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: Up to ₹500 cashback if the entire ₹50,000 qualifies as eligible offline spending.
~₹6,000/year base cashback · renewal annual fee waived at this spend (joining fee may still apply in year 1)
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 facts

Benefits

Lounge Access

Domestic (cardholder): No complimentary lounge access
International (cardholder): No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · single source · verify on issuer site

Where to verify

Operator-verified anchor

Rewards

Base earn: 1% base cashback
Reward type: Cashback
Point validity: Points expire 2 years after earning

Fees & charges

Fees

Monthly interest rate: 3.75% / month
First-year cost: ₹999 · verified 12 Jun 2026
Annual fee: ₹999
Joining fee: ₹999 · verified 12 Jun 2026
Fee waiver spend: ₹2,00,000 or more · verified 12 Jun 2026 Annual fee waived on eligible anniversary-year spend of ₹2,00,000 or more.
Interest-free period: Up to 50 days · verified 7 Jul 2026
Late-payment charge: ₹400–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup: 3.5%

Issuer documented · corroborating sources · 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 month.
Fuel transactions do not earn cashback.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

ICICI Bank Coral Visa

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Offline cashback cap: ₹2,000 per statement cycle.
Online cashback cap: ₹2,000 per statement cycle.
Aggregate maximum cashback: ₹4,000 per statement cycle.
After the Offline cashback cap is reached, further spending in that lane earns no rewards.
After the Online cashback cap is reached, further spending in that lane earns no rewards.

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

Latest update

First-year cost: ₹999.
Annual fee: ₹999.
Forex markup currently listed at 3.5%.
No complimentary lounge access.

Common questions

From verified card facts

Is 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 on eligible annual spend of ₹2,00,000 or more. Verify eligible spend exclusions before counting on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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