SBI Cashback Credit Card 2025
Save up to ₹15,000+ per year on online shopping, groceries, fuel, & offline purchasing!
If you are a regular online shopper at Amazon, Flipkart, or Zomato, the SBI Cashback Credit Card will be one of the easiest cashback credit cards you'll ever own. You earn 5% cash back (capped at ₹5,000 a month) on all online transactions, 1% on offline transactions, a 1% fuel surcharge refund up to ₹100 a month, hassle-free bill payment, and a fee of ₹999 on a ₹2L annual expenditure waiver. The lounge access benefit has been discontinued. Cash-back rewards with auto-credits to the account, no manual redemption required. The SBI Cashback Credit Card is perfect for India's digital shopping era.
Why This Online Purchase Card is The Best of 2025
5% unlimited online cashback • 1% offline • 1% fuel waiver • Fee waiver on ₹2L • Utility bill payment • No merchant restrictions
Best for: Online shoppers, newcomers, and Fuel buyers wanting easy cash-back rewards
Card At a Glance
₹999 + GST
₹999 + GST (Free for every ₹2 Lakh)
5% Online | 1% Offline
₹5,000 per month
None
1% (maximum of ₹100/month)
Complete Fees and Charges
| Particular | Details |
|---|---|
| Fee for Membership | ₹999 + GST |
| Annual Fee | ₹999 + GST (Waived on ₹2L spend) |
| Welcome Benefit | None |
| Cashback Credit | Auto to statement (2 days post-cycle) |
| Foreign Currency Markup | 3.5% + GST |
| Rate of Interest | 3.6% per month |
| Fuel Surcharge Waiver | 1% (₹500 to ₹3,000 transaction) |
Detailed Cashback Rates (2025)
- 5% Cash Back on all Online Transactions (valid up to ₹5,000 in a month)
- 1% Cashback on all offline transactions
- Not available for utility bills, insurance, fuel, rent, wallets, EMI, jewelry, railway
- Excluding merchant EMI/Flexipay
- Auto-billed within 2 days of statement
Airport Lounge Access
None Available (discontinued as of 2025 benefit for SBI Cashback Credit Card)
Insurance & Protection Benefits
- No liability for lost card
- Simple bill payments
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on all Internet purchases (no merchant caps) | No lounge privileges |
| 1% unlimited offline | Numerous exclusions (utilities, gas, rent) |
| Easy waiver of charges of ₹2L | ₹999 charge if spending is low |
| 1% fuel waiver | 3.5% forex mark-up |
| Simple Auto Cashback | No Welcome Bonuses |
Eligibility Criteria & Documents Required
- Age Range: 21-70 years
- Minimum Annual Income: ₹2 Lakh
- Credit Score: 750+ preferred
- Documents Required: PAN, Aadhar, salary statement/ITR, Bank statement
How to Apply Online (5-Minute Process)
- Visit the SBI Card website & select Cashback
- Add details → Instant pre-approval
- PAN card and Aadhaar upload
- Video KYC (2 minutes)
- Card in 7-10 days
Final Verdict—Should You Buy It in 2025?
As 70%+ of expenses are now happening online, it's easy to earn 10,000-20,000 cashback in a year with SBI Cashback Credit Card. Most straightforward card for the digital India lifestyle. The SBI Cashback Credit Card is not for lounge seekers but perfect for online shopping enthusiasts.
Frequently Asked Questions (FAQs)
What constitutes online spend with SBI Cashback Credit Card?
Any transaction labeled online (Amazon, Swiggy, etc.)—5% up to ₹5,000 monthly with SBI Cashback Credit Card.
No lounge access with SBI Cashback Credit Card?
Yes, lounge access stopped in 2025 for SBI Cashback Credit Card.
Is the cashback expense auto-credited to the account with SBI Cashback Credit Card?
Yes, auto-credited within 2 days of statement for SBI Cashback Credit Card.
Is the Fee Waiver Easy for SBI Cashback Credit Card?
Yes, for ₹2L of annual expenditure fee is waived for SBI Cashback Credit Card.
What is the cashback cap on SBI Cashback Credit Card?
₹5,000 per month cashback limit on online spends with SBI Cashback Credit Card.
Affiliate Disclosure: Some links on this site are affiliate links. Also, if you apply for credit through one of our links and are approved, we might receive a commission with no extra costs for you. Date last modified: November 21, 2025