SBI Cashback Credit Card Review

Author And Publisher: Gyro 3.o
20.06.2025 03:44 PM - Comment(s)

SBI Cashback Credit Card

SBI Cashback Credit Card – unlimited cashback on online transactions, exclusive offers, and easy fee details
Credit Card Advice Widget

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.

SBI Cashback Credit Card Review
"Effortless CASHB<cK, Direct to You"

Introduction

The SBI Cashback Credit Card is a popular choice among shoppers, offering a straightforward cashback program with no merchant restrictions. It's designed to provide savings on both online and offline purchases, making it a versatile option for everyday spending. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Cashback Rewards

  • 5% Cashback on online* spends
  • 1% Cashback on offline* spends
  • *Cashback not applicable on Merchant EMI & Flexipay EMI transactions and on following categories: Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways etc.

Cashback Limit

  • Monthly cashback is capped at ₹5,000, totaling a maximum of ₹60,000 annually. To reach this ₹5,000 monthly cap, you'd need to spend ₹1,00,000 monthly on eligible online transactions. Once the monthly limit is reached, no further cashback is earned until the next statement cycle. Cashback accrues based on the transaction posting date.

Fuel Surcharge Waiver

  • Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum waiver of ₹100 per statement cycle.

Annual Fee

  • ₹999 + applicable taxes, which can be waived if you spend ₹2 lakh annually.

CashOn.Cards Ad Rotator - Final Version
Fees And Charge Table

Card Essential

 Type:- CASHB<CK

____________________________________

 Welcome Benefits:-  ----
____________________________________
Joining Fee:- ----
____________________________________
  Annual Fee:- ₹999 + GST
____________________________________
 Reward Structure:-  Cashback on online shopping
____________________________________
Renewal Benefit:-  Spend ₹2 Lakh+ annually, get your renewal fee waived.

Rewards and Benefits Analysis

The card is ideal for frequent online shoppers, offering substantial cashback without any restrictions. The automatic crediting of cashback to your account simplifies the redemption process, eliminating the hassle of converting points.

Practical Considerations

While the card excels in cashback rewards, it may not be the best choice for those seeking travel-related benefits or rewards points. Additionally, cashback is not applicable on certain categories like merchant EMI transactions, utility bills, and fuel purchases.

Ideal User Profile

This card is best suited for

  • Frequent online shoppers

  • Those who prefer cashback over rewards points

  • Individuals looking for a low-cost credit card with straightforward benefits

Final Thoughts

The SBI Cashback Credit Card offers a compelling package for those who prioritize cashback on their daily purchases. Its value is maximized by frequent online shoppers who can fully utilize its cashback benefits without merchant restrictions.

Additional Tips for Potential Applicants

  • Eligibility: Ensure you meet the income and credit score requirements.

  • Usage: Maximize online spends to get the most out of the cashback rewards.

  • Redemption: The cashback is automatically credited to your account, making redemption hassle-free.

CDMS EXPERT ADVICE

Cashback on every purchase feels rewarding, but unchecked credit card dues can quietly erode those gains. Seek expert support from CDMS at cashon.cards to manage outstanding bills smartly, reduce debt stress, and keep your savings truly working in your favor.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the SBI Cashback Credit Card aligns with their

shopping habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
Enhanced Blog Navigation Widget
Use ← → for navigation, M for categories, B for banks, S to share
Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

Financial Insights Engine Cashon.Cards
https://www.cashon.cards/

Gyro - Your Financial Compass Is A Constantly Updating Financial Insights Engine That Aggregates Data From Various Sources To Provide Up-To-Date insights On Banking Products. Cashon.cards Offers Blogs, Videos, And Podcasts To Help Users Make Informed Financial Decisions.