Main Features

Cashback Features

SBI Cashback Credit Card Fees and Charges

SBI Cashback Credit Card Limits

Cashback Exclusion

Please note that you will not get a cashback in every purchase and shopping category. SBI Cashback credit card has a lot of exclusions as well. Here is the full list of category which are excluded from cashback. If you make a payment using the SBI cashback credit card in these categories, you will not receive any cashback at all.

• Fuel transactions

• Wallet loading

• Rent payments

• Jewelry

• Educational services

• Utilities

• Insurance

• Railways

• Gift cards

• Cash advances

• Balance transfers

• EMI transactions

• ATM withdrawals

• Transactions below ₹100

This is a huge drawback of the SBI cashback credit card. The bank has excluded lots of essential categories which makes up for the most number of transaction for Indian people.

SBI Cashback Credit Card's Payment Options

When it comes to the payment options, you have the option to choose from any of the 14+ payment options provided by the SBI. The most important and useful of them are -

• Online SBI

• NEFT

• UPI

• Mobile app(YONO)

• Auto debit

• NACH

• SBI ATM

• Over-the-counter at SBI branches

• Various online payment platforms

Giving UPI and Mobile app as payment option makes the payment much easier for people.

Eligibility for SBI Cashback Credit Card

While most people are eligible for the SBI cashback credit card, there are a few things you should consider that will benefit your application process. Firstly, this card is only available for personal use, you can not apply it for commercial or business purposes. Your SBI account must have a good standing and credit score. And finally, you can get add on cards for your Spouse, Parents, Siblings, and Children over the age of 18. Instead of getting a seperate card for your family members and and paying additional annual fees, it is more beneficial to get an add on card.

To apply for the SBI Cashback Credit Card, you must have an excellent credit score(750 or above), a stable job or income, and above 21-70 years old age group.

How to Apply

Applying for the SBI Cashback Card credit card is avery easy. You can either apply for the card at https://www.sbicard.com/, through SBI card mobile app, or using the pre approved offers for the existing customers. Your credit score must be above 750 and you should have a stable income.

Things you must know about the SBI Cashback Credit Card

While many people apply for the credit card looking at just the rewards and befits, there are some crucial information, they entirely miss out. Before applying please read the following factual information about the SBI reward credit card carefully.

Many purchase and transaction categories are excluded from the SBI Cashback card, you can read them all here. Before applying, make sure to look at them and determine if the card covers your use case. For example, if you travel a lot by railway or buy a lot of educational services, you will not get any cashback from this card. Furthermore, you can neither get the cashback for transactions less then ₹100 nor get the cashback more than the cashback cap of ₹5000, making this card useless for small as well as massive purchases.

The interest free period for this card is available only if your previous balance is paid in full. The finance charges will apply from transaction date on cash advances.

Finally, the customer support of the SBI is definitely not as good as other banks in India. Many people have complained about the SBI's customer support on review platforms.