Credit-card benefits, fees and cashback rules can change over time, so applicants should check the latest terms before applying. For broader coverage of banking and personal-finance developments, readers can also refer to financial news coverage from The Indian Express.
Before applying for the SBI Cashback Credit Card, compare the latest cashback limits, eligible transactions, exclusions and annual-fee waiver conditions with the issuer's current terms.
Get a complete review of the SBI Cashback Credit Card, one of the best cashback credit cards in India for online shopping. Learn about cashback benefits, annual fees, eligibility, rewards, savings on Amazon and Flipkart, and how to apply in 2026.
Why SBI Cashback Credit Card is Popular in 2026
Whether you shop on Amazon, Flipkart, Myntra, Swiggy, Zomato, or other online merchants, this card helps you save on almost every purchase.
Key Features
- 5% cashback on all online purchases*
- 1% cashback on offline spending
- Cashback credited automatically
- Accepted worldwide on Visa/Mastercard network
- Contactless payment support
- Secure online transactions
- Easy EMI conversion
- Mobile app account management
Also Like: SBI IRCTC RuPay Credit Card Review 2026
Cashback Benefits
Online Shopping Cashback
Earn 5% cashback on eligible online transactions across most merchants. This makes it one of the best credit cards for Amazon shopping and best credit cards for Flipkart purchases.
Examples include:
- Amazon
- Flipkart
- Myntra
- AJIO
- Tata CLiQ
- Swiggy
- Zomato
- BookMyShow
- Blinkit
Offline Spending Cashback
Receive 1% cashback on eligible offline purchases.
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SBI Cashback Credit Card Annual Fee
- Joining Fee: ₹999 + GST
- Annual Fee: ₹999 + GST
The annual fee can be waived upon meeting the annual spending criteria specified by SBI Card.
SBI Cashback Credit Card Eligibility Criteria
Applicants generally should:
- Be between 21–70 years
- Have a stable income
- Maintain a Good credit score (preferably 750+)
- Be an Indian resident
SBI Cashback Credit Card Documents Required
- PAN Card
- Aadhaar Card
- Address Proof
- Income Proof
- Passport-size Photograph
Read More : SBI Flipkart Credit Card Review 2026
Pros
- High cashback on online shopping
- Simple cashback structure
- No reward point conversion
- Cashback credited automatically
- Excellent for frequent online shoppers
Cons
- Annual fee applicable
- Cashback exclusions apply
- Fuel transactions not eligible
- Cashback cap may apply
Who Should Apply?
This card is ideal for:
- Online shoppers
- Salaried professionals
- Students with stable income (if eligible)
- Frequent Amazon and Flipkart buyers
- Users seeking direct cashback instead of reward points
How to Apply
Visit the official SBI Card website and complete the online application:
APPLY HERE NOW
Frequently Asked Questions (FAQs)
Is SBI Cashback Credit Card worth it?
Yes. It is among the best cashback credit cards in India for people who frequently shop online.
What cashback does the card offer?
Eligible online purchases earn 5% cashback, while eligible offline purchases earn 1% cashback, subject to the card's terms and conditions.
What is the annual fee?
₹999 + GST, with a waiver available on meeting the annual spend requirement.
Can I use it internationally?
Yes, the card can be used at international merchants where the network is accepted.
Very informative article.
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