{"id":81693,"date":"2025-11-25T11:43:56","date_gmt":"2025-11-25T06:13:56","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=81693"},"modified":"2025-11-25T19:16:12","modified_gmt":"2025-11-25T13:46:12","slug":"sbi-cashback-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/sbi-cashback-credit-card\/","title":{"rendered":"SBI Cashback Credit Card: Benefits and Features"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaway<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can waive the annual renewal fee by meeting the \u20b92 lakh annual spend criteria.<\/li>\n\n\n\n<li>The card offers up to \u20b95,000 in cashback per month.<\/li>\n\n\n\n<li>You can get cash back on both online and offline purchases.<\/li>\n\n\n\n<li>Your cashback is credited after the next statement is generated.<\/li>\n\n\n\n<li>You can get a fuel surcharge waiver of up to \u20b9100 per month with the card.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>SBI Cashback Credit Card<\/strong> is for people who want to save money every month effortlessly. This card gives you up to 5% cash back on purchases, which makes your<a href=\"https:\/\/www.itilite.com\/in\/blog\/daily-spending-tracker\/\" target=\"_blank\" rel=\"noopener\"> everyday spending<\/a> more valuable. <\/p>\n\n\n\n<p>You can save up to \u20b95,100 on your bills every month, whether you shop online or in person. Moreover, you can get extra savings on petrol.\u00a0<\/p>\n\n\n\n<p>So, if you want to save as much money as possible each month while enjoying different useful benefits, check out the <a href=\"https:\/\/piceapp.com\/blogs\/sbi-bank-credit-card\/\">SBI Credit Card <\/a>main features, fees, and benefits of the card before applying.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#sbi-cashback-credit-card-features\">SBI Cashback Credit Card Features<\/a><\/li><li><a href=\"#sbi-cashback-credit-card-charges\">SBI Cashback Credit Card Charges<\/a><\/li><li><a href=\"#terms-conditions-associated-with-sbi-cashback-credit-card\">Terms &amp; Conditions Associated with SBI Cashback Credit Card<\/a><\/li><li><a href=\"#tips-on-how-to-use-your-sbi-cashback-credit-card\">Tips on How to Use Your SBI Cashback Credit Card<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sbi-cashback-credit-card-features\"><strong>SBI Cashback Credit Card Features<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/11\/SBI-Cashback-Credit-Card.png\" alt=\"\" class=\"wp-image-81780 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/11\/SBI-Cashback-Credit-Card.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/11\/SBI-Cashback-Credit-Card-300x300.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/11\/SBI-Cashback-Credit-Card-150x150.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/11\/SBI-Cashback-Credit-Card-768x768.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li>You can get a 5% cashback if you use your SBI Cashback Credit Card for online spending. <\/li>\n\n\n\n<li>As there is no merchant restriction, you can use this credit card for your chosen merchant. <\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Some other <strong>SBI Cashback Credit Card features<\/strong> are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can get a 1% cashback on offline purchases.<\/li>\n\n\n\n<li>The card offers a 1% fuel surcharge waiver across all petrol stations in India on transactions between \u20b9500 and \u20b93,000. Notably, you can get up to \u20b9100 as a fuel surcharge waiver every statement cycle for your credit card.<\/li>\n\n\n\n<li>You can withdraw cash from over 1 million VISA worldwide.<\/li>\n\n\n\n<li>As a cardholder, you can use this card at over 24 million outlets globally, including around 3,25,000 outlets in India.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sbi-cashback-credit-card-charges\"><strong>SBI Cashback Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The charges for your SBI Cashback Credit Card differ for primary and add-on cardholders. Here is how it works:<\/p>\n\n\n\n<p><strong>For Primary Cardholders\u2014\u00a0<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>Joining fee<\/td><td>\u20b9999<\/td><\/tr><tr><td>Annual renewal fee<\/td><td>\u20b9999<\/td><\/tr><tr><td>Annual fee waiver <\/td><td>Available if you spend at least \u20b92 lakh in the previous year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>For Add-On Cardholders &#8211;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>No fee<\/td><td>Is required to use the card<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Furthermore, the <strong>SBI Cashback Credit Card interest rate<\/strong> is up to 45% annually, that is, up to 3.75% monthly.&nbsp;<\/p>\n\n\n\n<p><em>So, to avoid any hefty charges on your Cashback SBI Credit Card bill, make sure to pay the bill on time with PICE. You can stay in control of your payments and save more each month with PICE\u2019s hassle-free, secure and fast payment system!<\/em><\/p>\n\n\n\n<p>Suggested Read: <a href=\"https:\/\/piceapp.com\/blogs\/sbi-lifetime-free-credit-card\/\">SBI Lifetime Free Credit Card<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"terms-conditions-associated-with-sbi-cashback-credit-card\"><strong>Terms &amp; Conditions Associated with SBI Cashback Credit Card<\/strong><\/h2>\n\n\n\n<p>To properly understand the <strong>SBI Cashback credit card eligibility<\/strong>, it is essential to keep in mind a few terms and conditions that have been discussed in detail below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cashback is credited to your account within 2 days from the statement generation date.<\/li>\n\n\n\n<li>You can earn only up to \u20b95,000 as cashback each month.<\/li>\n\n\n\n<li>The card supports contactless payments up to \u20b95,000 per transaction on POS machines.<\/li>\n\n\n\n<li>Cashback (5% online, 1% offline) is not applicable on transactions in certain categories such as utility payments, insurance services, fuel, rent, wallets, school &amp; educational services, jewellery, railways, etc.<\/li>\n\n\n\n<li>The total cashback you can earn in one billing cycle is capped, ensuring controlled <a href=\"https:\/\/www.researchgate.net\/figure\/A-conceptual-overview-of-the-rewards-distribution-system_fig1_242340023\" target=\"_blank\" rel=\"noopener\">rewards distribution.<\/a><\/li>\n\n\n\n<li>Using the card implies that you accept all terms and conditions laid out in the cardholder agreement.<\/li>\n\n\n\n<li>SBI Card may update fees, benefits, or terms, and continued card usage indicates acceptance of those amendments.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tips-on-how-to-use-your-sbi-cashback-credit-card\"><strong>Tips on How to Use Your SBI Cashback Credit Card<\/strong><\/h2>\n\n\n\n<p><strong>SBI Cashback Credit Card<\/strong> comes with a pre-set PIN. You need to memorise it to use the card, as you cannot change the PIN. However, in case you forget the PIN, you can connect with SBI Card Helpline to reissue a new PIN.&nbsp;<\/p>\n\n\n\n<p>You can additionally check out the following tips to use your card efficiently:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you wish to transfer your SBI Cashback Credit Card to another SBI card, you can seamlessly go ahead without losing your cashback credits on your SBI card account. The cashback reflects on your account after 2 days from the transfer date automatically.<\/li>\n\n\n\n<li>You can transfer the <a href=\"https:\/\/www.allianz-trade.com\/en_global\/news-insights\/business-tips-and-trade-advice\/what-is-outstanding-balance.html\" target=\"_blank\" rel=\"noopener\">outstanding balance<\/a> from any other credit card to your SBI Cashback Credit Card within 2 to 3 working days. Ensure the balance you transfer is at least \u20b95,000 and no more than 75% of your credit card limit.<\/li>\n\n\n\n<li>Ensure you take the necessary actions after entering your PIN at a machine to avoid retention or ejection. If your card is retained, you will have to request reissuance by paying the applicable card replacement fee. You will additionally have to <a href=\"https:\/\/piceapp.com\/blogs\/what-if-i-dont-activate-my-credit-card\/\">activate the new credit card<\/a> before you can use it.<\/li>\n<\/ul>\n\n\n\n<p>To avoid paying additional fees for your <strong>Cashback SBI Credit Card,<\/strong> such as late payment fees and interest on outstanding balance, you can add it to the PICE app to get reminders on <a href=\"https:\/\/piceapp.com\/blogs\/can-someone-else-pay-my-credit-card-bill\/\">the credit card bill<\/a> due date.<\/p>\n\n\n\n<p><em>Download the PICE app now to pay your bill on or before the due date, without delay or hassle!<\/em><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Foot Note<\/strong><br>Cashback on your SBI Cashback Credit Card does not apply to Flexipay EMI and merchant EMI transactions. It also does not apply to categories such as rent, insurance, utilities, fuel, educational services, railways, wallets, and jewellery. To know more, check out the <a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/rewards\/cashback-sbi-card.page\" target=\"_blank\" rel=\"noopener\">SBI Cashback Credit Card<\/a> here.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1764048254648\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How much cashback will I get on fuel with the SBI cashback credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>SBI Cashback Credit Card offers a 1% waiver on fuel surcharge for fuel transactions at petrol stations across India. You can get up to \u20b9100 per billing cycle as a fuel surcharge waiver.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764048269815\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I get add-on credit cards for my family members?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The SBI Cashback Credit Card allows primary cardholders to add family members as additional cardholders. Notably, add-on members do not need to pay additional fees for add-on cards.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764048281047\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">When will I get the cashback on the SBI cashback credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can get your cashback within 2 working days of your next statement generation. As it is automatically credited to your SBI card account, you do not need to undergo any additional processes.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764048293115\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the joining fee on the SBI cashback credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The joining fee for the SBI Cashback Credit Card is \u20b9999. You need to pay the same fees for card renewal every year if you do not meet the annual spend criteria of \u20b92 lakh in the preceding year.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764048306116\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I withdraw cash from an ATM using an SBI cashback credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can withdraw cash using your SBI Cashback Credit Card from any ATM in case of financial emergencies. However, it attracts a cash advance fee of 2.5% or \u20b9500, whichever is higher.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764048316863\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the cashback on offline purchases with the SBI cashback credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can get a 1% cashback on offline purchases using your SBI Cashback Credit Card. There is no merchant restriction for such cashbacks.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764048326147\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I check cashback on the SBI cashback credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can check your cashback on your credit card&#8217;s monthly statement. Alternatively, you can log in to your SBI card account or website to check your cashback credits.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaway The SBI Cashback Credit Card is for people who want to save money every month effortlessly. This card gives you up to 5% cash back on purchases, which makes your everyday spending more valuable. You can save up to \u20b95,100 on your bills every month, whether you shop online or in person. Moreover, [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":81783,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-81693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/81693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=81693"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/81693\/revisions"}],"predecessor-version":[{"id":81928,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/81693\/revisions\/81928"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/81783"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=81693"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=81693"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=81693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}