State Bank of India
Platinum · Cashback
SBI Cashback Credit Card
State Bank of India
Flat 5% cashback on all online spends
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
5.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹6,821
Total Annual Benefits
₹8,000
Total Annual Charges
₹1,179
ROI
578%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
5% Cashback on Online Spends
Flat 5% cashback on all online spends, up to ₹1,000 per month
- • Max ₹1,000 cashback per month
- • Applicable on all online transactions
5% cashback
₹12,000/yr
1% Cashback on Offline Spends
Flat 1% cashback on all offline retail spends
1% cashback
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹3,000
- • Valid on transactions ₹500–₹3,000
- • Max ₹100 per statement cycle
1% waiver
₹1,200/yr
Reward Program
Program
SBI Cashback
5% on online, 1% on offline
Effective cashback: 5.00%
Points expire: Cashback credited directly to statement
Redemption Options
- → Automatic statement credit
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding 18% GST |
| Annual Fee | ₹999 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹3,000. Max waiver: ₹100/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹25,000
- • Self-Employed: Minimum ITR of ₹3 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
0
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Direct cashback to statement Fuel surcharge waiver
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The SBI Cashback Credit Card is a simple and rewarding cashback card offering a flat 5% cashback on all online spends (up to ₹1,000 per month) and 1% ...
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