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CASHBACK SBI Card
SBI Card
Joining Fee₹999Renewal Fee₹999Waived at ₹2,00,000 annual spend
Last verified: 23 Sept 2026
Reward Program
Cashback1 point = ₹1.00
| Category | Earn Rate | Monthly Cap |
|---|---|---|
All online spends, with no merchant restriction | 5% | ₹5,000/monthly |
| All other spends | 1% | No cap |
Redemption fee: 0
🔁
Managed via Automatic statement credit
Transfer partners
Auto-credited to the SBI Card account within two working days of the next statement generation. There is no redemption step, no minimum and no catalogue — the cashback simply reduces the outstanding.
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Benefits
⛽
Fuel Surcharge Waiver
1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India, capped at ₹100 per statement cycle per credit card account. Fuel spend earns no Reward Points.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹999/yr |
| Renewal Fee | ₹999/yr |
| Fee Waiver | Spend ₹2,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 0 |
