Credit Card Compare

Cashback SBI Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹999
Annual fee
50 days
Interest-free
Application

CardIQ

54Fair

Fair

Overall score, out of 100 · How this works

  • Cashback86
  • Rewards23

Customer reviews

No reviews yet. Be the first to review the Cashback SBI Card.

Pros & cons

What's good

  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • Plus GST. Same joining and renewal fee; renewal waived if you spent ₹2,00,000 in the previous year.
  • 3.5% foreign transaction fee on overseas spending, at the high end of the market.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹999 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹600

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
100% of GST, EMI amount, fees and charges and finance charges, plus any over-limit amount and 2% of the remaining balance outstanding (SBI Card MITC)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Cashback cap
₹4,000 per month
Ongoing cashback
1% on eligible spend

5% cashback on online spends without any merchant restriction and 1% on offline spends; not on utilities, insurance, fuel, rent, wallets, education, jewellery, railways and more; capped per statement cycle at ₹2,000 on online spends and ₹2,000 on offline spends, ₹4,000 in all (cardholder terms e-kit); auto-credited within two working days of the next statement.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Tied for best (1st of 11 cards)
Interest-free days50 daysTop 10% (2nd of 11 cards)
Annual fee₹999 a yearMiddle of the market (6th of 11 cards)
Overseas fee3.50%Middle of the market (6th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
SBI Card