SBI Cashback Credit Card
India's best cashback credit card with 5% cashback on online spends and 1% on offline purchases. No annual fee for lifetime.
SBI Cashback Credit Card
Get 5% cashback on online spends. No annual fee. Lifetime free.
Key Features & Benefits
5% Cashback on Online Spends
Earn 5% cashback on all online transactions including shopping, food delivery, bill payments, and more.
1% Cashback on Offline Spends
Get 1% cashback on all offline purchases at retail stores, restaurants, and fuel stations.
No Annual Fee
Lifetime free credit card with no joining fee and no annual fee. No minimum spend required.
Instant Approval
Get instant approval within 48 hours. Digital card issued immediately for online transactions.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 to ₹3,000 at all fuel stations.
Contactless Payments
Tap and pay feature for quick and secure contactless transactions up to ₹5,000.
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Interest Rate (APR) | 3.50% per month (42% per annum) |
| Late Payment Fee | Up to ₹1,300 |
| Over Limit Fee | ₹500 |
| Cash Advance Fee | 2.5% (Min ₹500) |
| Foreign Currency Markup | 3.5% |
Eligibility Criteria
Documents Required
For Salaried Individuals
- PAN Card (Mandatory)
- Aadhaar Card / Passport / Voter ID
- Latest 3 months salary slips
- Latest 6 months bank statements
- Passport size photograph
For Self-Employed Individuals
- PAN Card (Mandatory)
- Aadhaar Card / Passport / Voter ID
- Latest 2 years ITR with computation
- Latest 6 months bank statements
- Business proof (GST / Shop Act License)
- Passport size photograph
How to Apply
Visit SBI Card Website
Go to the official SBI Card website and click on 'Apply Now' for Cashback Credit Card
Fill Application Form
Enter your personal, employment, and income details in the online application form
Upload Documents
Upload scanned copies of required documents (PAN, Aadhaar, income proof)
Submit Application
Review all details and submit your application online
Instant Approval
Get instant approval within 48 hours. Digital card issued immediately
Receive Physical Card
Physical card will be delivered to your address within 7-10 working days
Customer Reviews
Best cashback card in India! I save around ₹2,000 every month on online shopping. Highly recommended!
2 weeks ago
Lifetime free card with amazing cashback. No hidden charges. SBI customer service is also very good.
1 month ago
Great card for online shoppers. 5% cashback is unbeatable. Only wish the offline cashback was higher.
3 weeks ago
Frequently Asked Questions
Is there any annual fee for SBI Cashback Credit Card?
No, SBI Cashback Credit Card is completely free for lifetime. There is no joining fee and no annual fee.
What is the cashback rate on online and offline spends?
You get 5% cashback on all online transactions and 1% cashback on all offline transactions. There is no cap on cashback earnings.
How long does it take to get the card approved?
SBI provides instant approval within 48 hours for eligible applicants. Digital card is issued immediately for online use.
What is the minimum credit score required?
A credit score of 700 or above is recommended for approval. Higher credit scores increase approval chances.
Can I use this card for international transactions?
Yes, the card can be used internationally. However, a foreign currency markup of 3.5% will be charged on international transactions.
How is the cashback credited?
Cashback is credited to your card account within 90 days from the date of transaction. It can be used to offset your card bill.
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Ready to Start Saving with 5% Cashback?
Apply for SBI Cashback Credit Card today and start earning cashback on every purchase!