Cashback SBI Card benefits
- 5% cashback on online spends, up to ₹2,000 per statement cycle
- 1% cashback on offline spends, up to ₹2,000 per statement cycle
- Total cashback limit of ₹4,000 per statement cycle
- Joining and renewal fee of ₹999 before GST
- Renewal fee waived on yearly spends of ₹2 lakh or more
- 1% fuel surcharge waiver, up to ₹100 per statement cycle
Cashback SBI Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shoppingOnline spends. The ₹2,000 limit applies per statement cycle. | 5% back | 2,000 |
| Everything else | 1% back | 2,000 |
No rewards on: Fuel, wallet loads, rent, jewellery, school and education, utilities, insurance, gift and novelty shops, railways, digital gaming, tolls, government payments, cash advances, balance transfers, Flexipay and merchant EMI.
All reward rules
- Offline spends earn 1% cashback, up to ₹2,000 per statement cycle.
- From 1 April 2026, total cashback is limited to ₹4,000 per statement cycle.
- From 1 April 2026, digital gaming, tolls and government payments also earn no cashback.
- Transactions below ₹100 earn no cashback.
- Cashback is credited to the card account within two working days of the statement date. It does not expire.
Cashback SBI Card annual fee and charges
- Joining fee
- ₹999
- Annual fee
- ₹999
- Fee waiver
- ₹2,00,000 a year
- Foreign currency markup
- 3.5%
The renewal fee is waived if you spend ₹2 lakh or more in the previous year. Fees are before GST.
Fuel surcharge: 1% waiver on fuel transactions from ₹500 to ₹3,000, up to ₹100 per statement cycle.
Cashback SBI Card eligibility
- Age
- 21 to 70
SBI Card's issuance policy sets 21 to 65 years for salaried people and 25 to 70 years for self-employed people. Exceptions need internal approval. The documents we checked give no minimum income for this card.
The bank alone decides approval and your credit limit.
Cashback SBI Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Frequently asked questions
What is the annual fee of the Cashback SBI Card?
The joining fee is ₹999 and the renewal fee is ₹999 a year, both before GST. The renewal fee is waived if you spend ₹2 lakh or more in the previous year.
Is the Cashback SBI Card lifetime free?
No. It has a ₹999 joining fee and a ₹999 renewal fee. You can avoid the renewal fee only by spending ₹2 lakh or more in the previous year.
What is the cashback limit on the Cashback SBI Card?
You can earn up to ₹2,000 on online spends and up to ₹2,000 on offline spends in one statement cycle. The total limit is ₹4,000 per statement cycle. A statement cycle is the period covered by one card bill.
Which spends earn no cashback on this card?
Fuel, wallet loads, rent, jewellery, education, utilities, insurance, railways, digital gaming, tolls and government payments earn no cashback. Cash advances, balance transfers, Flexipay and merchant EMI also earn none. Any transaction below ₹100 earns no cashback.
Does the Cashback SBI Card give airport lounge access?
The card's terms, updated in October 2026, do not list any airport lounge benefit. The card is also not named in SBI Card's domestic lounge lists from January 2026.
Does the Cashback SBI Card have a fuel surcharge waiver?
Yes. You get a 1% waiver on fuel transactions from ₹500 to ₹3,000, up to ₹100 per statement cycle. Fuel spends themselves earn no cashback.
Who can apply for the Cashback SBI Card?
SBI Card's policy sets an age of 21 to 65 years for salaried people and 25 to 70 years for self-employed people. The documents we checked do not give a minimum income for this card.