SBI Cashback Credit Card

SBI Cashback Credit Card

About Credit Card

The SBI Cashback Credit Card is a popular rewards card from SBI Card in India, ideal for everyday online shoppers with its simple cashback structure.

Cashback Rates

Earn 5% cashback on all online spending across any merchant, without restrictions on specific sites.
Get 1% cashback on all offline transactions.
Monthly cashback is capped at ₹5,000 per statement cycle.

Fees and Waiver

Joining and renewal fee: ₹999 plus taxes, waived on annual spends of ₹2 lakh.
No annual fee in the first year for new applicants in some cases.

Key Benefits

1% fuel surcharge waiver (up to ₹100 per cycle) on transactions between ₹500 - ₹3,000.
Free add-on cards for families with shared benefits.
Contactless payments and global Visa/Mastercard acceptance.

Exclusions

No cashback on fuel, utilities, rent, wallet loads, jewellery, education fees, or railways.
Cashback is credited within 2 business days, calculated per transaction, and rounded down.

Eligibility Criteria

Age Requirements

Primary cardholder: 21-60 years at application; max 70 years for renewal.
Add-on cardholder: 18-70 years.

Income and Employment

Salaried or self-employed with stable income (no fixed minimum specified publicly, but often ₹25,000+ monthly suggested).
Good income proof via salary slips, ITR, or bank statements enhances approval.

Credit Profile

A credit score of 750+ is strongly preferred.
Clean credit history without defaults or high utilization.

Documents Needed

Identity: Aadhaar, PAN, Voter ID, Passport, or Driving License.
Address: Utility bill, Aadhaar, or passport.
Income: 3 months' salary slips, bank statements, or recent ITR.

How to Apply?

Online Application Steps

Visit the official SBI Card website (sbicard.com) and navigate to the Cashback SBI Card page or the E-Apply section.
Fill in personal details like mobile number, name, PAN, date of birth, city, email, gender, and mother's name; verify with OTP sent to your phone.
Provide income proof (salary slips, ITR, or bank statements) and Aadhaar details (first 8 digits masked), and accept terms; an application ID is generated for tracking.

Verification Process

Complete e-KYC via Aadhaar OTP or video call verification initiated by SBI executives.
Track status using the application ID on the SBI website's track widget—no branch visit needed.

Tips for Success

Ensure eligibility (21-60 years, stable income, good credit score) and have documents ready digitally.
Approval is often instant or within days; the card delivers in 7-21 days post-verification.

APPLY NOW!

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