{"id":2833,"date":"2025-12-31T19:15:00","date_gmt":"2025-12-31T13:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=2833"},"modified":"2025-12-31T12:21:50","modified_gmt":"2025-12-31T06:51:50","slug":"sbi-cashback-credit-card-features-cashback-and-detailed-review-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/sbi-cashback-credit-card-features-cashback-and-detailed-review-2026\/","title":{"rendered":"SBI Cashback Credit Card: Features, Cashback and Detailed Review (2026)"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong> <em>The SBI Cashback Credit Card is designed for modern shoppers who want simple, hassle-free savings on everyday online and offline spending. This article explores the features and benefits offered by the card.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>The SBI Cashback Credit Card has become one of the most popular cashback credit cards in India. This route of being one of the best credit cards has been possible because of its straightforward offers of up to 5% on digital spends. It is specifically crafted for the modern consumer who prefers the convenience of shopping from home.\u00a0<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3728047272\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p>This card doesn\u2019t lock its user into a particular ecosystem but rather offers a variety of ranges to choose from. The SBI Cashback Credit Card offers its peak 5% reward across almost all online merchants and brands without restriction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sbi-cashback-credit-card\"><strong><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/rewards\/cashback-sbi-card.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SBI Cashback Credit Card<\/a><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b9999 + taxes<\/li>\n\n\n\n<li><strong>Annual Fee: <\/strong>\u20b9999 + taxes (applicable from the second year onwards)<\/li>\n\n\n\n<li><strong>Fees Waiver: <\/strong>Waived on spending of \u20b92 Lakh in the preceding subscription year.<\/li>\n\n\n\n<li><strong>Card Type: <\/strong>Cashback\/Shopping<\/li>\n\n\n\n<li><strong>Best Suited for: <\/strong>Those who frequently shop online and use digital payment methods more often.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-important-fees-amp-charges\"><strong>Other Important Fees &amp; Charges:<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Interest Rate (APR)<\/td><td>3.75% per month (45% per annum)<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>Ranges from \u20b90 to \u20b91,300 based on the total amount due<\/td><\/tr><tr><td>Cash Withdrawal Fee<\/td><td>2.5% of the transaction amount (Min. \u20b9500)<\/td><\/tr><tr><td>Foreign Currency Markup<\/td><td>3.50% of the transaction value<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reward-structure-cashback-explained\"><strong>Reward Structure\/Cashback Explained<\/strong><\/h3>\n\n\n\n<p>The reward system in the SBI Cashback Credit Card is made to its simplest form possible so that you don&#8217;t have to track each and every point.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2438179434\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5% Cashback (Online) is earned on all online transactions.\u00a0<\/li>\n\n\n\n<li>1% Cashback (Offline) on physical transactions<\/li>\n\n\n\n<li>The 5% accelerated cashback is capped at \u20b95,000 per statement cycle.\u00a0<\/li>\n\n\n\n<li>Exclusions of some categories are applied to prevent misuse. Thus, cashback is not applicable to Rent, Fuel, Wallet Loads, Education Fees, Insurance Premiums, and Jewellery purchases.<\/li>\n<\/ul>\n\n\n\n<p><strong><em><span style=\"text-decoration: underline;\">Example<\/span>:<\/em><\/strong> Say you have spend \u20b940,000 to purchase a new laptop from online merchants Online and additionally spent a sum of \u20b910,000 on offline dining then you earn:<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2039670169\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For online transaction 5% of \u20b940,000 = \u20b92,000<\/li>\n\n\n\n<li>For offline purchase 1% of \u20b910,000 = \u20b9100<\/li>\n\n\n\n<li>Your Total Cashback: \u20b92,100 shall be credited directly to your next bill.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <strong><a href=\"https:\/\/tradebrains.in\/money\/hdfc-vs-sbi-card-revised-lounge-access-which-bank-offers-better-benefits-in-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">HDFC vs SBI Card Revised Lounge Access: Which Bank Offers Better Benefits in 2026?<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-redemption-process\"><strong>Redemption Process<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automated Crediting:\u00a0 Your cashback is automatically credited to your SBI Card account.<\/li>\n\n\n\n<li>Timing: Cashback is credited within 2 working days after your statement is generated<\/li>\n\n\n\n<li>Reward Point Value: 1 Cashback Point is exactly equal to \u20b91.<\/li>\n\n\n\n<li>Expiry: Since the cashback is credited as a direct statement credit (hard cash) every month, there is no risk of points expiring.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-some-more-major-benefits-amp-perks\"><strong>Some More Major Benefits &amp; Perks<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1% surcharge waiver for transactions between \u20b9500-\u20b93,000 (Monthly cap of \u20b9100).<\/li>\n\n\n\n<li>Comes with Tap and Pay for faster and secure offline payments\u00a0<\/li>\n\n\n\n<li>The add-on cards feature allows sharing the benefits with your parents, spouse, or above 18 children (Up to 3)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-get-this-card\"><strong>Who Should Get This Card?<\/strong><\/h2>\n\n\n\n<p>You should apply for the SBI Cashback Credit Card if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you spend significantly on apps like Myntra, Zomato, BigBasket, or Amazon.<\/li>\n\n\n\n<li>You prefer direct statement credit over browsing through reward catalogs.<\/li>\n\n\n\n<li>You don&#8217;t want to be forced to shop at only one specific store to get rewards.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1767160695425\"><strong class=\"schema-faq-question\"><strong>1. How do I track my cashback?<\/strong><\/strong> <p class=\"schema-faq-answer\">You can track your earned cashback in your monthly statement or via the SBI Card mobile app under the Rewards or Card Trends section.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767160701460\"><strong class=\"schema-faq-question\"><strong>2. Is there a joining fee for the first year?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, there is a joining fee of \u20b9999 + taxes which will be charged in your first month\u2019s statement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767160714844\"><strong class=\"schema-faq-question\"><strong>3. Does the 5% cashback apply to flight bookings?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, as long as the booking is made online (via apps or websites), it generally qualifies for the 5% cashback. (subject to the monthly cap)<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767160724420\"><strong class=\"schema-faq-question\"><strong>4. What happens if I return a product?<\/strong><\/strong> <p class=\"schema-faq-answer\">If a transaction is refunded then the cashback earned on that transaction will be reversed from your account.<\/p> <\/div> <\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Kenbi Riba<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: The SBI Cashback Credit Card is designed for modern shoppers who want simple, hassle-free savings on everyday online and offline spending. This article explores the features and benefits offered by the card. The SBI Cashback Credit Card has become one of the most popular cashback credit cards in India. This route of being one [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2836,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[651,645,19,875],"ppma_author":[1013],"class_list":["post-2833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-credit-card","tag-credit-card-news","tag-credit-cards","tag-latest-credit-card-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SBI Cashback Credit Card: Features, Cashback and Detailed Review (2026)<\/title>\n<meta name=\"description\" content=\"The SBI Cashback Credit Card is designed for modern shoppers who want simple, hassle-free savings on everyday 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