Credit Card Compare

Cashback SBI Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹999
Annual fee
50 days
Interest-free
Application

CardIQ

54Fair

Fair

Overall score, out of 100 · How this works

  • Cashback86
  • Rewards23

Customer reviews

No reviews yet. Be the first to review the Cashback SBI Card.

Pros & cons

What's good

    Worth noting

      Card details

      The basics

      Additional cardholder fee
      ₹0 p.a.
      Card tier
      Not published
      Card type
      Visa
      Card use
      Personal
      Credit limit
      Not published
      Credit rating
      Not published
      Rewards program
      None

      Eligibility

      Instant approval
      Not published
      Joint application
      Not published
      Minimum age
      Not published
      Minimum income
      Not specified
      Residency
      Not published
      Temporary residents
      Not published

      Rates & fees

      Ongoing interest rates

      Cash advances
      45.00% p.a.
      Purchases
      45.00% p.a.

      Fees

      Additional cardholder fee
      ₹0
      Annual fee
      ₹999 p.a.
      Cash advance fee
      2.5% of the amount
      Foreign transaction fee
      3.5%
      Late payment fee
      ₹1,300
      Over limit fee
      ₹600

      Repayments

      Interest-free period
      Up to 50 days on purchases
      Minimum repayment
      100% of GST, EMI amount, fees and charges and finance charges, plus any over-limit amount and 2% of the remaining balance outstanding (SBI Card MITC)

      Balance transfers

      This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

      Introductory purchase offer

      This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

      Rewards

      Cashback

      Cashback cap
      ₹4,000 per month
      Ongoing cashback
      1% on eligible spend

      5% cashback on online spends without any merchant restriction and 1% on offline spends; not on utilities, insurance, fuel, rent, wallets, education, jewellery, railways and more; capped per statement cycle at ₹2,000 on online spends and ₹2,000 on offline spends, ₹4,000 in all (cardholder terms e-kit); auto-credited within two working days of the next statement.

      Where this card sits vs similar cards

      Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

      Purchase rate45.00%Tied for best (1st of 11 cards)
      Interest-free days50 daysTop 10% (2nd of 11 cards)
      Annual fee₹999 a yearMiddle of the market (6th of 11 cards)
      Overseas fee3.50%Middle of the market (6th of 11 cards)

      Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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      Questions and answers

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      Sources

      Credit Card Compare
      How CardIQ scores cards
      Issuer
      SBI Card