SBI Cashback
by SBI Card · Data verified 2 days ago
5% cashback on all online spends, 1% offline. Auto-credited cashback. ₹4,000 per billing cycle cap (effective April 1, 2026). Excludes gaming, tolls, government transactions.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 4.25% value back (13X Reward Points + 1% surcharge waiver) at BPCL petrol pumps
- 2,000 bonus reward points worth ₹500 on joining fee payment
- 5X Reward Points on Groceries, Departmental Stores, Dining & Movies
- Annual fee waived on ₹1,00,000 annual spend
Things to Consider
- 13X reward points capped at 1,300 points per billing cycle at BPCL
- No complimentary airport lounge access
- Low base reward rate of 1 RP per ₹100 on general retail spends
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| E-commerce BONUS | 5% | 5% cashback on online spends (max ₹2,000/statement cycle) (Cap: 2,000/mo) |
| Shopping | 1% | 1% cashback on offline spends (max ₹2,000/statement cycle) (Cap: 2,000/mo) |
| Fuel | — | 1% fuel surcharge waiver on transactions ₹500-₹3,000 (max ₹100/statement cycle) (Cap: 100/mo) |
Fuel Savings
₹100/mo
Lost Card Cover
₹0
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •5% cashback on all online spends (capped ₹2,000/cycle)
Travel
- •1% fuel surcharge waiver
- •International usage enabled
Special Offers & Features
- •Cashback auto-credited within 2 working days of next statement generation
- •Card Cashback does not expire
- •Cashback cap: ₹2,000 online + ₹2,000 offline = ₹4,000 total per statement cycle
- •Cashback not applicable on: Utilities, Insurance, Fuel, Rent, Wallets, Education, Jewellery, Railways
- •1% Fuel Surcharge Waiver on transactions ₹500-₹3,000 (max ₹100 per billing statement)
EMI Options
- •Flexipay EMI on purchases above Rs.2,500
- •Tenure: 6, 9, 12, 18, 24 months
- •Interest rate: 13-24% p.a.
- •No-cost EMI at select online and retail partners
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to SBI Card's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on SBI Cashback
Apple
Elevate your tech setup with cutting-edge Apple innovation. SBI Credit Cardholders get up to ₹15,000 instant discount on the latest iPhone 16 series, MacBook Air/Pro, iPad Pro, and Apple Watch models.Valid at official Apple Retail Stores, Apple Online Store India, and authorized Apple premium resellers nationwide.
Step 2: Select eligible iPhone 16, MacBook Air/Pro, iPad Pro, or Apple Watch models.
Step 3: Proceed to billing and select SBI Credit Card full swipe or Instant EMI.
Step 4: Instant discount of up to ₹15,000 is automatically deducted at checkout.
Valid on SBI Credit Cards and SBI Credit Card EMI transactions. Minimum transaction value varies by product category (minimum ₹50,000 for top-tier discounts). Offer valid across all authorized Apple channels in India. Maximum 1 device purchase per cardholder during the promotional period. Not valid on corporate or commercial credit cards.
MakeMyTrip
Fly anywhere across India with substantial airfare savings. SBI Credit Cardholders enjoy flat 12% instant discount up to ₹1,800 on all domestic flights on MakeMyTrip.Book IndiGo, Air India, Akasa Air, and SpiceJet with code SBIMMT.
Step 2: Search and select domestic flights totaling ₹5,000 or more.
Step 3: Enter coupon code SBIMMT in the promo code field.
Step 4: Pay using your SBI Credit Card to save up to ₹1,800 instantly.
Valid on domestic flight bookings across all major Indian airlines. Minimum transaction value of ₹5,000 required. Maximum discount capped at ₹1,800 per booking. Valid once per cardholder per calendar month. Corporate cards excluded.
Yatra
Discover magnificent holiday destinations across India with SBI Card and Yatra. Enjoy instant discounts up to ₹4,000 on domestic flights, hotels, and holiday packages.
Step 2: Select holiday packages or flights with minimum cart value ₹7,500.
Step 3: Apply promo code SBIYATRA at the checkout screen.
Step 4: Pay using your SBI Credit Card to enjoy up to ₹4,000 instant discount.
Minimum transaction of ₹7,500 on flights and ₹15,000 on holidays required. Maximum discount up to ₹4,000. Valid once per calendar month per cardholder. Excludes railway and bus bookings.
Reliance Digital
Upgrade your gadgets with up to ₹5,000 instant discount on electronics, laptops, and home appliances at Reliance Digital using SBI Credit Cards.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Checkout with eligible SBI Credit Card.
Valid on minimum transaction of ₹15,000. Maximum discount ₹5,000. Excludes Corporate Cards, Paytm SBI Cards, and Cashback SBI Cards.
Croma
Enjoy instant discounts up to ₹3,500 on electronics, audio equipment, and home appliances at Croma using SBI Credit Cards.
Step 2: Cart value ₹15,000 or more.
Step 3: Pay using your SBI Credit Card to avail instant discount.
Valid on minimum transaction of ₹15,000. Maximum discount ₹3,500. Excludes Corporate Cards and Paytm SBI Cards.
Frequently Asked Questions
Everything you need to know about SBI Cashback
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹30,000/month min
- • CIBIL: 700+ recommended
- • Instant: Pre-approved SBI Card customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for SBI Cashback today and unlock amazing rewards and premium experiences.
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