SBI Card · Visa
SBI Cashback
Flat 5% cashback on eligible online spends, subject to official exclusions. 1% offline.
- Cashback
- Online
- Auto-credit
- 5% online cashback and 1% offline cashback, each capped at ₹2,000 per statement cycle, giving a total cap of ₹4,000.
- Direct utilities, insurance, rent, wallet loads, fuel, education, government and jewellery do not earn cashback; voucher eligibility depends on merchant coding and live terms.
- Join fee
- ₹999 + GST Reversal at Rs 2L
- Spend
- Rs 40,000 Save 5% to 30%
- Offline
- 1%
At a glance
SBI Cashback highlights
- Cashback
- 5% cashback on online transactions.
- Offline
- 1% cashback on offline transactions.
- Credit
- Auto-credited every statement cycle.
- Vouchers
- Discounted brand vouchers can add savings, subject to merchant coding and live terms.
- Nickname
- Popularly known as the Don Cashback Card.
SBI Cashback: fees & key facts
| Joining fee | Rs 999 + GST |
|---|---|
| Annual fee | Rs 999 + GST; waived on Rs 2 lakh annual spend |
| Online cashback | 5% on eligible online spends |
| Offline cashback | 1% on POS spends |
| Online cap | Rs 2,000 cashback per statement cycle; around Rs 40,000 online spend maxes the 5% benefit |
| Voucher route | Eligible voucher purchases can stack live voucher discounts with card cashback |
| Credit | Auto-credited after statement generation |
| Exclusions | No cashback on direct rent, wallet loads, fuel, utilities, insurance, education, government, jewellery and similar restricted categories |
| Voucher caveat | Voucher eligibility depends on merchant coding and live terms; direct utilities, insurance, rent, wallet loads, fuel, education, government and jewellery do not earn cashback |
| Fuel | 1% surcharge waiver on Rs 500-Rs 3,000 transactions |
Last verified 12 June 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
The Cashback SBI Card is strongest when used with discipline: route eligible online spends here until the Rs 2,000 online cashback cap is done, then move overflow to another card.
Its real upside is the voucher route. Eligible discounted vouchers can stack with 5% online cashback, making the card feel much stronger than a plain 5% cashback card for planned spends.
SBI Cashback FAQs
What does the Cashback SBI Card actually pay 5% on?
Eligible online transactions earn 5% cashback, while offline POS spends earn 1%. Direct rent, wallet loads, fuel, utilities, insurance, education, government, jewellery and several restricted categories can miss cashback, so test new routes before scaling.
What is the cashback cap?
The practical online cap is Rs 2,000 cashback per statement cycle. At 5%, that means around Rs 40,000 of eligible online spends maxes the main benefit. Beyond that, move spends to another card.
How is the cashback paid out?
Automatically. It posts as statement credit after the statement is generated, so there are no points, no conversion chart and no redemption portal to manage.
Is the SBI Cashback card free?
The Rs 999 + GST annual fee is waived when you spend Rs 2 lakh in the card year, which is a realistic bar if this is your main eligible online-spend card.
How should I use the voucher route?
Use discounted vouchers only for spends you already planned, such as food, fashion, travel, health, lifestyle or D2C purchases. If the voucher discount is live and the transaction remains eligible, the voucher saving plus 5% cashback can be far stronger than paying directly.
Do utilities or insurance earn Cashback SBI Card cashback?
Direct utilities, insurance, rent, wallet loads, fuel, education, government and jewellery do not earn cashback. Voucher eligibility depends on merchant coding and live terms, so confirm the current SBI Card exclusions before paying.
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