Key benefits
- 5% cashback on all online spending, with no merchant restriction
- 1% cashback offline
- Cashback credited automatically to the statement
- Annual fee waived on spending of ₹2 lakh in a year
Fees and charges
| Joining fee | ₹999 + GST |
| Annual fee | ₹999 + GST |
| Fee waiver | Spend ₹2 lakh a year |
| Cashback cap | ₹5,000 per month |
| Interest rate | 3.75% per month (45% p.a.) |
| Fuel surcharge | 1% waiver up to ₹100 a month |
Eligibility
- Salaried or self-employed aged 21–70
- Stable income and a credit score above 750
- Indian resident with valid KYC
Who it suits
The strongest general online cashback card in India — 5% with no merchant list to memorise.
Watch out for
No lounge access, and the 5% excludes rent, wallet loads, fuel and insurance.
Fees and reward rates shown are indicative and set entirely by SBI Card. They change without notice — confirm the current terms on the issuer's own page before you apply.