SBI Card · Updated 08 Jul 2026

SBI Cashback Credit Card

Best for: Online cashbackAnnual fee: ₹999 + GSTApproval: Medium

Good for CashbackRecently discussedNeeds exclusion check

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Decision 01

Community Verdict

Current verdict

Still one of the strongest cashback cards for online-heavy users, provided your major spends continue to qualify.

Best for: Online shopping, app-based spends, and people who prefer simple cashback.
Avoid if: You spend mostly offline, need lounge access, or use commonly excluded categories.
Users like: Simple cashback and strong value across many online merchants.
Users dislike: Changing exclusions, approval uncertainty, and sometimes low starting limits.
Most compared with: HDFC Millennia, ICICI Amazon Pay

At a glance

Practical scores

Community signals for everyday decision-making—not financial ratings.

8.5/10Reward value

6/10Approval ease

8/10Fee recovery

8/10User satisfaction

5/10Hidden complexity

Terms that matter

Rewards and fees

Annual fee	₹999 + GST
Renewal fee	₹999 + GST
Fee waiver	₹2L annual spends
Online reward	5% cashback
Offline reward	1% cashback
Lounge access	None
Forex markup	3.5%
Fuel waiver	1% (terms apply)
Major exclusions	Rent, fuel, utilities and select merchants

Directional, not guaranteed

Approval Snapshot

284 reports

Medium difficulty

Similar approved users commonly reported CIBIL 750+, income ₹8L+, salaried employment, and processing in 5–10 days.

Common approved profile: CIBIL 750+, ₹8L+ income, salaried, existing credit history
Common rejection patterns: Thin credit file, recent enquiries, or unverifiable address

Approval stories are user-reported directional signals. Bank policy, verification, internal criteria, and your complete credit profile still matter.

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Decision 03

Role in a card setup

Use this card for

Online shopping, food apps, and app-based spends

Pair with

ICICI Amazon Pay or a lounge/travel card

Avoid using it for

Fuel, rent, utilities, and international spends

Alternatives

HDFC Millennia, ICICI Amazon Pay, Axis Ace

Decision 04

Recent Changes

Jun 2026

Cashback exclusion reports

Community reports point to inconsistent cashback at a small set of merchants.

Medium impactNeeds Verification

Mar 2026

Cashback cap clarification

Monthly cashback cap wording was clarified in the product terms.

Low impactOfficially Confirmed

Nov 2025

User-reported merchant issues

Early reports flagged classification issues on some online purchases.

Medium impactUser Reported

From the community

Latest discussions

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38replies

TrendingCard Recommendations

Best 3-card setup for ₹50k monthly online-heavy spend

Trying to keep fees under ₹3,000 while covering online shopping, UPI and two lounge visits.

24replies

Community VerifiedApproval / Rejection Stories

SBI Cashback approved, CIBIL 760–780, income ₹8–12L

Sharing the complete timeline from application to dispatch and the starting limit offered.

16replies

User ReportedApproval / Rejection Stories

Axis Atlas rejected with a thin credit history

Income met the expected range, but the applicant had only six months of credit history.

41replies

Needs updateRewards & Cashback

RuPay UPI cashback not credited on local merchant payment

Merchant showed as eligible in the app, but the reward line never appeared.

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