All credit cardsRates verified 15 Jun 2026Apply on SBI Card
SBI Card
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.
We may earn a commission if you apply through this link. It never changes what we recommend.
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% cashback on all online spends, no merchant restriction
- 1%1% on offline spends
Lounge access
No domestic lounge access
Who it's for
Minimum income ₹30,000/month · credit score 730+. For salaried, self-employed.
What's great
- 5% on ALL online spends, not just partners
- Auto-credited cashback
- Simple to understand
Watch out for
- ₹5,000/mo cashback cap
- 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.