SBI Cashback Credit Card un users ke liye design kiya gaya hai jo bina kisi complex rewards program ke apni daily spending par seedha cashback earn karna chahte hain. Yeh SBI Card ka ek popular cashback credit card hai jo eligible online purchases par 5% cashback aur eligible offline transactions par 1% cashback offer karta hai.
Is card ki annual fee ₹999 + GST hai, lekin agar aap ek card anniversary year me ₹2 lakh ya usse zyada spend karte hain, to renewal fee waive ho jaati hai. Sabse acchi baat yeh hai ki earned cashback automatically aapke credit card statement me adjust ho jata hai, isliye reward points collect ya redeem karne ki alag se tension nahi hoti.
Cashback ke alawa, cardholders ko 1% fuel surcharge waiver ka benefit bhi milta hai, jisse everyday expenses par aur bhi savings hoti hai. Simple cashback structure aur easy redemption ki wajah se yeh card beginners ke saath-saath regular online shoppers ke liye bhi ek strong option mana jata hai.
Aage is review me hum SBI Cashback Credit Card ke cashback structure, features, benefits, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh credit card aapki spending habits ke liye sahi choice hai ya nahi.
Cashback SBI Credit Card
Rewards and Benefits
›N/A
Cashback Earned on the Card is Automatically Credited to the Cardholder’s Statement in The Following Month
N/A
N/A
5% Cashback for Online Spends Up to ₹2,000 and 1% Cashback for Offline Spends Up to ₹2,000. Maximum Cashback of ₹4,000 in a Statement Cycle
N/A
N/A
N/A
Fees & Charges
›The annual fee can be waived on spending Rs. 2,00,000 or more in the previous year.
3.75% per month (45% per annum)
N/A
1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India. (waiver capped at Rs. 100 per statement)
3.5% + GST
2.5% of the amount withdrawn or a minimum charge of Rs. 500.
Product Details
›- Eligible online spends par 5% cashback (maximum ₹2,000 cashback per statement cycle).
- Eligible offline spends par 1% cashback (maximum ₹2,000 cashback per statement cycle).
- ₹2 lakh annual spends poore karne par ₹999 + GST renewal fee waiver ka benefit.
- ₹500 se ₹3,000 ke fuel transactions par 1% fuel surcharge waiver (maximum ₹100 per statement cycle).
Pros/Cons
›- Eligible online spends par 5% cashback aur offline spends par 1% cashback ke saath yeh card regular online shoppers ke liye kaafi rewarding hai.
- ₹4,000 tak ka monthly cashback (₹2,000 online + ₹2,000 offline) earn karne ki facility is card ko entry-level cashback cards me ek strong option banati hai.
- Fuel, rent, utilities, insurance, education aur government payments jaise kai transaction categories par cashback nahi milta.
- SBI Cashback Credit Card par festive online sales ke dauran instant bank discount offers aam taur par applicable nahi hote, kyunki yeh cashback category card hai.
SBI Cashback Credit Card par Kitna Cashback Milta Hai?
SBI Cashback Credit Card ka sabse bada advantage iska simple cashback structure hai. Reward points ya redemption ki tension ke bina aap eligible transactions par seedha cashback earn kar sakte hain. Earn kiya gaya cashback automatically aapke credit card statement me adjust ho jata hai.
| Transaction Type | Cashback |
|---|---|
| Eligible Online Spends | 5% Cashback |
| Eligible Offline Spends | 1% Cashback |
Note: Online cashback monthly cashback cap ke adheen hota hai. Cashback sirf eligible transactions par hi applicable hai. Fuel, rent, wallet loading aur kuch doosri excluded categories par cashback nahi milta.
SBI Cashback Credit Card ka Cashback Kaise Kaam Karta Hai?
1 April 2026 se SBI Cashback Credit Card revised cashback structure follow karta hai. Iske tahat cardholders ko eligible online spends par 5% cashback aur eligible offline spends par 1% cashback milta hai. Dono categories ke liye cashback ki alag-alag monthly limit hai.
- Online spends: 5% cashback (maximum ₹2,000 per statement cycle)
- Offline spends: 1% cashback (maximum ₹2,000 per statement cycle)
Is hisaab se ek statement cycle me maximum ₹4,000 cashback earn kiya ja sakta hai.
Cashback Example
Maan lijiye ek statement cycle me aap:
- ₹50,000 ke eligible online transactions karte hain.
- ₹2,00,000 ke eligible offline transactions karte hain.
Is situation me:
- ₹50,000 ka 5% = ₹2,500 cashback
- ₹2,00,000 ka 1% = ₹2,000 cashback
Total cashback ₹4,500 banta hai. Lekin revised cashback policy ke hisaab se aapko:
- Online cashback: ₹2,000 (maximum limit)
- Offline cashback: ₹2,000 (maximum limit)
Isliye statement cycle me maximum ₹4,000 cashback hi credit hoga.
Note: Agar aapka spending isse bhi zyada ho, tab bhi cashback ₹2,000 (online) + ₹2,000 (offline) ki monthly limit se zyada nahi milega.
SBI Cashback Credit Card ka Cashback Kab Milta Hai?
SBI Cashback Credit Card ka cashback redeem karne ke liye aapko koi alag request dene ki zarurat nahi hoti. Earn kiya gaya cashback automatically aapke credit card account me credit ho jata hai.
Cashback statement generate hone ke 2 din ke andar credit kar diya jata hai. Isliye cardholders ko reward points redeem karne ya cashback claim karne ki alag process follow nahi karni padti.
Example
Maan lijiye aapka credit card statement har mahine ki 6 tareekh ko generate hota hai.
- 7 August se 6 September ke beech earn kiya gaya cashback
- 8 September (statement generate hone ke lagbhag 2 din ke andar) aapke card account me automatically credit ho jayega.
Note: Cashback credit bank ke statement cycle aur applicable terms & conditions ke anusar process kiya jata hai.
Kin Transactions Par Cashback Nahi Milta?
SBI Cashback Credit Card ka cashback har transaction par applicable nahi hota. Neeche di gayi spending categories par 5% ya 1% cashback earn nahi hota:
- Jewellery, fuel, rent aur wallet loading transactions.
- School aur educational payments, insurance premiums aur utility bill payments.
- Railway bookings, toll payments aur government-related transactions.
- Gift card, novelty & souvenir shops, quasi cash/member financial institution aur digital gaming platforms/merchants se kiye gaye transactions.
SBI Cashback Credit Card ke Other Features aur Benefits
Cashback ke alawa SBI Cashback Credit Card kuch additional benefits bhi offer karta hai, jo regular users ke liye card ki overall value ko aur behtar banate hain.
Annual Fee Waiver
Is card ki annual fee ₹999 + GST hai. Agar aap card anniversary year me ₹2 lakh ya usse zyada spend karte hain, to bank renewal fee waive kar deta hai. Regular spending karne wale users is benefit ka aasani se fayda utha sakte hain.
Fuel Surcharge Waiver
Fuel transactions par bhi cardholders ko additional savings milti hai.
- ₹500 se ₹3,000 ke fuel transactions par 1% fuel surcharge waiver milta hai.
- Yeh benefit Bharat ke sabhi petrol pumps par applicable hai.
- Maximum waiver ₹100 per statement cycle tak limited hai.
SBI Cashback Credit Card ke Liye Apply Kaise Karein?
Agar aap SBI Cashback Credit Card ke liye apply karna chahte hain, to aap online ya offline dono tareekon se application submit kar sakte hain.
Online Apply Karne Ka Process
Online application process kaafi simple hai:
- “Apply Now” button par click karein.
- Apni personal, income aur contact details fill karein.
- Zarurat padne par required documents upload karein aur application submit kar dein.
Agar aap offline apply karna chahte hain, to apni nearest SBI Card branch ya authorized representative se bhi application process complete kar sakte hain.
Note: Card approval applicant ki eligibility, income, CIBIL score aur SBI Card ke internal verification process par depend karta hai.
Bottom Line
SBI Cashback Credit Card un users ke liye ek excellent choice hai jo bina kisi complicated rewards program ke seedha cashback earn karna chahte hain. Eligible online spends par 5% cashback aur offline spends par 1% cashback ke saath yeh card regular online shoppers ke liye kaafi rewarding hai. Sabse badi baat yeh hai ki earned cashback automatically statement me credit ho jata hai, isliye redemption ki alag tension nahi hoti.
Halaanki, cashback par monthly caps aur kuch excluded spending categories bhi hain, isliye apply karne se pehle in conditions ko samajhna zaroori hai. Iske alawa, ₹2 lakh annual spends par renewal fee waiver mil jata hai, jo regular users ke liye ek accha benefit hai.
Agar aap ek simple, cashback-focused credit card dhoondh rahe hain jo everyday online shopping par maximum savings de, to SBI Cashback Credit Card definitely consider karne layak hai. Final decision lene se pehle aap ise HDFC Millennia Credit Card, Axis Bank ACE Credit Card aur Axis Bank Flipkart Credit Card jaise alternatives ke saath bhi compare kar sakte hain.
FAQs
SBI Cashback Credit Card se Maximum Cashback Kitna Mil Sakta Hai?
SBI Cashback Credit Card ke saath aap eligible online spends par 5% cashback (maximum ₹2,000) aur eligible offline spends par 1% cashback (maximum ₹2,000) har statement cycle me earn kar sakte hain. Is tarah ek statement cycle me maximum ₹4,000 cashback mil sakta hai.
Kya SBI Cashback Credit Card Contactless Payments Support Karta Hai?
Haan. SBI Cashback Credit Card contactless payment feature ke saath aata hai. Isse aap ₹5,000 tak ke eligible transactions bina PIN enter kiye (bank ki latest security guidelines ke anusar) complete kar sakte hain.
Kya Cashback ka Use Ticket Booking ya Shopping Ke Liye Kar Sakte Hain?
Nahi. Is card par earn kiya gaya cashback automatically aapke agle credit card statement me adjust ho jata hai. Isse alag se ticket booking ya product purchases ke liye redeem nahi kiya ja sakta.
Kya SBI Cashback Credit Card Business Transactions Ke Liye Use Kar Sakte Hain?
Nahi. SBI Cashback Credit Card ek personal credit card hai aur ise business ya commercial transactions ke liye use nahi kiya jana chahiye. Agar bank ko business usage milta hai, to SBI Card apni policy ke anusar primary aur add-on card dono ki membership cancel kar sakta hai.