SBI Cashback Card 5 % Benefits & Features Apply Now

SBI Cashback Card 5 % Benefits & Features - Apply Now

SBI Cashback Credit Card: A Complete 2025 Guide to Maximize Savings Are you looking for a credit card that rewards you for every online purchase and provides instant cashback without jumping through hoops? Look no further than the SBI Cashback Credit Card. In this SEO-optimized blog post, we’ll explore everything you need to know about the SBI Cashback Credit Card in 2025 — from features and benefits to fees, eligibility, how to apply, and smart ways to use it.

-SBI Cashback Card 5 % Benefits & Features - Apply NowLet’s dive into how this credit card can supercharge your everyday spending with real cashback!

📝 Table of Contents

  1. What is the SBI Cashback Credit Card?

  2. Key Features of the SBI Cashback Credit Card

  3. Cashback Benefits – How It Works

  4. Fees & Charges

  5. SBI Cashback Credit Card Eligibility Criteria

  6. Required Documents

  7. How to Apply Online

  8. SBI Cashback Credit Card vs. Other Cashback Cards

  9. Pros and Cons

  10. Best Tips to Maximize Cashback

  11. Frequently Asked Questions (FAQs)

  12. Final Thoughts

1. What is the SBI Cashback Credit Card?

The SBI Cashback Credit Card is one of the most popular credit cards offered by the State Bank of India. It is designed specifically for users who frequently shop online and want straightforward cashback on every eligible transaction without the need for reward points or complicated redemptions.

This card has become increasingly popular in 2025 due to its flat cashback model, wide online acceptance, and no merchant restrictions.

2. Key Features of the SBI Cashback Credit Card

Here are the top features that make this card stand out:

  • Flat 5% Cashback on all online spends (except utility and certain excluded categories).

  • 1% Cashback on offline purchases.

  • Contactless Payments enabled.

  • Worldwide Acceptance (over 24 million outlets globally).

  • EMI Options for big-ticket purchases.

  • Fuel Surcharge Waiver at petrol pumps across India.

  • Digital Management through SBI Card App or Website.

3. Cashback Benefits – How It Works

💸 Online Cashback (5%)

Get 5% cashback on online transactions made on shopping sites like:

  • Amazon

  • Flipkart

  • Myntra

  • Nykaa

  • Zomato

  • Swiggy

  • Ajio

  • MakeMyTrip

Note: The maximum cashback per billing cycle is ₹5,000.

🛍️ Offline Cashback (1%)

All other offline transactions are eligible for 1% cashback (except fuel, utility, rent, wallet loads, etc.).

📊 Cashback Summary:

Transaction Type Cashback Rate Max Limit (per cycle)
Online Spends 5% ₹5,000
Offline Spends 1% ₹5,000(Max)
Fuel/Utility 0% Not applicable

4. Fees & Charges

Understanding the fees is essential before choosing any credit card. Here are the charges associated with the SBI Cashback Credit Card:

Fee Type Amount (₹)
Joining Fee ₹999 + GST
Annual Fee ₹999 + GST
Renewal Fee Waiver Spend ₹2 Lakhs/year to waive
Interest Rate (APR) Up to 42% p.a.
Cash Advance Fee 2.5% or ₹500
Late Payment Charges ₹400 – ₹1300
Foreign Transaction Fee 3.5%

5. SBI Cashback Credit Card Eligibility Criteria

To apply for the SBI Cashback Credit Card, you must meet the following criteria:

  • Age: 21 to 60 years

  • Employment: Salaried or self-employed

  • Credit Score: 700+ recommended

  • Monthly Income: ₹25,000 and above

  • Residential Status: Indian Resident

6. Documents Required

You need to keep the following documents ready:

Identity Proof:

  • PAN Card (mandatory)

  • Aadhaar Card

  • Passport / Voter ID / Driving License

Address Proof:

  • Utility Bill

  • Bank Statement

  • Aadhaar / Passport

Income Proof:

  • Salary slips (last 3 months)

  • Form 16 or ITR for self-employed

7. How to Apply Online for SBI Cashback Credit Card

Applying for the SBI Cashback Credit Card is simple and paperless. Follow these steps:

Step-by-step Process:

  1. Visit the SBI Card Website.

  2. Navigate to “Cashback Credit Card.”

  3. Click on “Apply Now.”

  4. Fill in your personal and income details.

  5. Submit KYC documents online or via video KYC.

  6. If eligible, you’ll receive instant approval.

  7. The card will be delivered to your preferred address within 7 working days.

8. SBI Cashback Credit Card vs. Other Cashback Cards

Feature SBI Cashback Card Axis Ace Card HDFC Millennia
Online Cashback 5% 5% (on GPay) 5% (select sites)
Annual Fee ₹999 ₹499 ₹1,000
Offline Cashback 1% 2% 1%
Fuel Surcharge Waiver Yes Yes Yes
Max Cashback Cap ₹5,000/month ₹500/month ₹1,000/month

Verdict: SBI Cashback Card offers higher monthly cashback limits and no need to use specific apps like GPay, making it more flexible for online shoppers.

9. Pros and Cons

✅ Pros:

  • High 5% cashback rate on online shopping.

  • No merchant restrictions.

  • Simple and direct cashback (credited to your statement).

  • Digital KYC and instant application.

  • EMI & fuel benefits included.

❌ Cons:

  • ₹999 annual fee (waived only if you spend ₹2L/year).

  • No cashback on wallet reloads or rent payments.

  • No lounge access or travel perks.

10. Best Tips to Maximize Cashback

  1. Use for Online Shopping: Use this card on Amazon, Flipkart, and Myntra to get the best returns.

  2. Avoid Non-Eligible Spends: Don’t use it for wallet reloads or utilities if you want cashback.

  3. Track Monthly Cashback Limit: Spend wisely to stay within the ₹5,000/month cap.

  4. Automate Payments: Set autopay to avoid late fees.

  5. Combine with Cashback Portals: Stack savings by shopping through sites like CashKaro or CRED.

11. Frequently Asked Questions (FAQs)

❓ Is the SBI Cashback Credit Card worth it?

Yes, if you frequently shop online, this card offers one of the highest cashback rates in India without merchant limitations.

❓ How is cashback credited?

Cashback is automatically credited to your credit card account in the next billing cycle.

❓ Can I use this card internationally?

Yes. It is accepted worldwide, but foreign transaction fees (3.5%) apply.

❓ What happens if I cancel the card?

You can cancel anytime by paying off your outstanding dues. Cashback already earned is not reversed.

❓ Is there a lifetime free version?

As of 2025, SBI does not offer a lifetime free version. You must pay the annual fee unless waived by spending ₹2 Lakhs.

12. Final Thoughts

The SBI Cashback Credit Card is an excellent choice for online shoppers who want real value from every purchase. With a solid 5% cashback rate, minimal exclusions, and a generous monthly cap of ₹5,000 cashback, this card is perfect for digital-savvy users in 2025.

While it lacks travel or luxury perks, it shines in simplicity and savings. If you’re spending over ₹20,000 monthly online, this card practically pays for itself.

🔗 Ready to Save More?

Apply today at www.sbicard.com and unlock the power of effortless cashback!

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