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Cashback SBI Card

The Don Credit Card of India

Cashback SBI Card

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.

Rs 40,000 sweet spot

Spend around Rs 40,000 on eligible online transactions in a statement cycle to reach the Rs 2,000 online cashback cap + Instant savings on brand Vouchers from Platform like Amazon.

Voucher stacking

Voucher eligibility depends on merchant coding and live terms; direct utilities, insurance, rent, wallet loads, fuel, education, government and jewellery do not earn cashback

Auto-credit simplicity

Cashback is posted automatically after statement generation. No points, no redemption fee, no conversion chart and no voucher selection needed.

Offline backup

Offline POS spends earn 1%. Useful for small fallback swipes, but this card should mainly be treated as an online-spend specialist.

Voucher eligibility

Voucher eligibility depends on merchant coding and live terms; direct utilities, insurance, rent, wallet loads, fuel, education, government and jewellery do not earn cashback

SBI Cashback: fees & key facts

SBI Cashback credit card fees and key facts
Joining feeRs 999 + GST
Annual feeRs 999 + GST; waived on Rs 2 lakh annual spend
Online cashback5% on eligible online spends
Offline cashback1% on POS spends
Online capRs 2,000 cashback per statement cycle; around Rs 40,000 online spend maxes the 5% benefit
Voucher routeEligible voucher purchases can stack live voucher discounts with card cashback
CreditAuto-credited after statement generation
ExclusionsNo cashback on utilities, insurance, rent, wallets, fuel, education, government, jewellery, gaming, tolls and the other excluded merchant codes
Voucher caveatVoucher eligibility depends on merchant coding and live terms; direct utilities, insurance, rent, wallet loads, fuel, education, government and jewellery do not earn cashback
Fuel1% surcharge waiver on Rs 500-Rs 3,000 transactions
Offline cap₹2,000 per statement cycle, separate from the ₹2,000 online cap; combined maximum ₹4,000

Public issuer terms checked 3 October 2026.

SBI effective April 2026 revisionSBI Cashback productSBI Cashback FAQ

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.

Reward exclusions

Transactions that do not earn cashback

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Fuel, rent, wallet loads, utilities and insurance
  • Education, jewellery, gift and souvenir shops, and railways
  • Government payments, tolls and digital gaming
  • Cash advances, balance transfers, quasi-cash and financial charges
  • Merchant EMI and Flexipay transactions
  • Standing-instruction and Fetch and Pay bill payments on SBI Card platforms

Online and offline cashback are each capped at ₹2,000 per statement cycle, for a combined ₹4,000 maximum. The April 2026 revision supersedes the older booklet cap; voucher purchases remain subject to their merchant code.

Checked 3 October 2026SBI Card April 2026 revisionSBI Cashback cardholder terms

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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