SBI Card · Card guide

CASHBACK SBI Card

5% online, 1% in store. The best spend depends on your category, monthly cap and whether the yearly fee is waived.

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Where it pays

Eligible online 5% capped at ₹2,000 per statement cycle; offline 1% capped at ₹2,000. Combined maximum ₹4,000 per statement cycle. No cashback on fuel, utilities, insurance, rent, wallet, education, government, tolls and other exclusions. ₹999 renewal waived after ₹2 lakh prior-year spend.

Annual cost: ₹999 plus applicable tax. Renewal waiver after ₹200,000 annual spend; first-year joining fee may still apply.

Read the issuer terms

Checked 26 Sep 2026. Issuer terms can change without this site updating immediately. The source addresses below are shown as text, not outbound links; no unaffiliated redirects are used.

Reward terms: https://www.sbicard.com/en/faq/cashback-sbi-card-faq.page
Fees: https://www.sbicard.com/en/most-important-terms-and-conditions.page

What this estimate leaves out

GST on card fees, welcome bonuses, milestone vouchers, limited-time merchant offers, spend-based exceptions, interest, and changing merchant category codes. Never spend extra solely for rewards.

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