Cashback SBI Card
Visa
Cashback SBI Card
SBI Card · Visa
Quick answer
Cashback SBI Card by SBI Card has an annual fee of ₹999 and APR of 42%. Best for cashback and shopping. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
₹999
Annual fee
₹999
Forex markup
4%
APR
42%/yr
Fee waiver: Annual fee waived on ₹2L spend a year
What you earn
- 5%5% on eligible online spends, capped at ₹2,000/statement
- 1%1% on eligible offline spends, capped at ₹2,000/statement
Lounge access
No domestic lounge access
Who it's for
Minimum income ₹30,000/month · credit score 730+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- 5% on eligible online spends without a partner list
- Auto-credited cashback
- Simple to understand
Watch out for
- ₹4,000 total statement-cycle cap from April 2026
- Utilities, insurance, fuel, rent, wallets, education and more are excluded
- No lounge access
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.