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Cashback SBI Card

Cashback SBI Card offers 5% cashback on online shopping, 1% on offline spends, automatic cashback credit, fuel surcharge waiver, and strong yearly savings, making it an excellent choice for frequent online shoppers seeking simple, rewarding benefits.

Cashback SBI Card

About SBI Cashback Credit Card

The SBI Cashback Credit Card is one of the leading cashback cards in India, offering up to 5% value-back on online spending. It is designed for users who prefer to shop online for most of their daily needs—whether it’s fashion, electronics, travel bookings, food delivery, groceries, or entertainment. The biggest advantage of this card is that it provides 5% cashback across all online transactions without restricting users to specific brands, merchants, or platforms, making it a versatile option for everyday use.

Unlike many co-branded or category-specific credit cards that limit bonus rewards to certain spending types, the SBI Cashback Card delivers broad-based savings across nearly all online purchases. This makes it especially appealing to consumers who want a simple, high-earning cashback solution with no complicated reward structures.

Axis Atlas is a leading travel credit card in India, especially for users who prefer an airline-neutral rewards program. The card allows customers to earn accelerated EDGE Miles on travel-related spending, which can later be converted into loyalty points of more than 20 airline and hotel partners at a 1:2 ratio. Travellers also have the option to redeem miles directly on Axis Bank’s Travel EDGE platform, where each EDGE Mile holds a value of Re. 1. In addition, Axis Atlas follows a tier-based rewards system that offers extra lounge visits and bonus miles as cardholders progress through higher annual spending tiers.

Despite offering a strong return on travel expenses, the card has certain limitations. Transfer partners are divided into Group A and Group B, each with its own redemption cap, which may restrict high-volume mileage transfers. Accelerated earnings on travel are also capped at monthly spends of Rs. 2 lakh, suitable for average users but limiting for frequent or high-budget travellers. Another drawback is the relatively steep forex mark-up fee of 3.5%, which can make international usage more expensive compared to other travel-focused cards.

Overall, Axis Atlas is a powerful option for reward-focused travellers, but it is most beneficial for those whose spending patterns align with its earning caps and transfer structure.

Cashback Benefits

The SBI Cashback Credit Card provides straightforward, high-value savings on everyday spending. Users earn cashback on all eligible transactions as follows:

  • 5% cashback on all online purchases across categories such as fashion, travel, food delivery, entertainment, and more—without any platform or merchant limitations.

  • 1% cashback on all offline purchases, making it useful for routine in-store spending.

  • Monthly Cashback Cap: You can earn a maximum of Rs. 5,000 cashback per statement cycle.

SBI Cashback Credit Card - Other Features and Benefits

Along with strong cashback earnings on everyday spending, the SBI Cashback Credit Card also provides several additional benefits that enhance overall savings and usability:

Renewal Fee Waiver

Cardholders can get the annual fee of Rs. 999 waived by spending Rs. 2 lakh or more in a calendar year, making the card highly cost-effective for moderate to heavy users.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000, with the benefit capped at Rs. 100 per statement cycle. This helps reduce the overall cost of refuelling for regular commuters.

Cashback SBI Card Reward Points & Cashback Calculator

Reward Points Calculator

SBI Cashback Credit Card: Fees & Charges

Particulars Amount
Joining/Annual Fee Rs. 999 + applicable taxes
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges
On outstanding balance of –
Up to Rs. 500 Nil
More than Rs. 500 up to Rs. 1,000 Rs. 400
More than Rs. 1,000 up to Rs. 10,000 Rs. 750
More than Rs. 10,000 up to Rs. 25,000 Rs. 950
More than Rs. 25,000 up to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before You Apply

Get this card if:

  • You prefer online shopping and can maximise the 5% cashback offered on digital purchases across various categories.

  • You want a straightforward cashback card rather than one that earns reward points or miles.

  • You do not want your savings to be limited by brand, merchant, or platform restrictions, and prefer universal cashback benefits.

  • You want a simple redemption process, where cashback is directly credited to your account without extra steps or redemption charges.

Steps to Close Cashback SBI Card

If you want to permanently close your Cashback SBI Card, it is important to follow the official process to ensure a smooth and secure cancellation.

Visit Nearest SBI Branch

You can initiate the closure request by visiting your nearest branch of State Bank of India

  • Carry a valid identity proof along with your credit card details
  • Request the credit card closure form from the bank representative
  • Fill in the form carefully with accurate information
  • Submit the completed form for verification and further processing

Contact Customer Care

  • You can also close your card by contacting SBI Card customer support
  • Call the support team and request credit card closure
  • Provide details such as the last four digits of your card and your registered mobile number
  • Complete the verification process as instructed

Send a Written Request

You may also send a written application for closure including:

  • Full name of the cardholder
  • Registered address and contact number
  • Last four digits of the credit card
  • Reason for closure (if required)

Mail your request to:

SBI Cards and Payment Services Limited

  • Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower
  • E-1, 2, 3 Netaji Subhash Place, Wazirpur, New Delhi – 110034

Important Points to Remember

  • Ensure all outstanding dues including EMIs, interest, and any additional charges are fully cleared before initiating closure
  • Redeem all available reward points or cashback, as they may expire after account closure
  • Cancel all auto-debits, subscriptions, and standing instructions linked to the card
  • Avoid using the card once the closure request has been submitted
  • Always ask for confirmation via SMS or email after the request is processed

After Card Closure

  • Cut the card diagonally across the chip and magnetic strip after receiving confirmation
  • Check your credit report after a few weeks to ensure the account status is updated as “Closed”
  • Report any discrepancy immediately to the bank for correction

Cashback SBI Card Helpline Number

If you need help related to your Cashback SBI Card, you can contact the customer support team of SBI Card. They offer assistance for billing issues, payments, card blocking, reward points, and other credit card services.

Customer Care Helpline Numbers

Availability

  • IVR services are available 24×7
  • Customer care executives are available Monday to Saturday, 9:00 AM to 6:00 PM

Note: Calls to 1860 numbers may be chargeable depending on your telecom operator.

International Customer Support

This number can be used when calling from outside India.

Email Support

For personal credit card queries, you can also use net banking or official service channels provided by SBI Card.

SMS Services (For Existing Cardholders)

Send SMS to 5676791 from your registered mobile number:

  • Balance Check: BAL XXXX
  • Available Credit Limit: AVAIL XXXX
  • Block Card: BLOCK XXXX
  • Payment Status: PAYMENT XXXX
  • Reward Points: REWARD XXXX
  • E-Statement: ESTMT XXXX
  • Duplicate Statement: DSTMT XXXX MM

Replace XXXX with the last four digits of your credit card.

WhatsApp Support

How to Activate WhatsApp Service

  • Give a missed call on 08080945040
  • Register through the SBI Card mobile app or official website
  • Send SMS: WAOPTIN XXXX to 5676791

Services Available

  • Support for billing and statement-related queries
  • Assistance with payments and outstanding balance details
  • Help with reporting lost or stolen cards
  • Support for fraud or disputed transactions
  • Information about reward points and offers
  • Requests for credit card closure, upgrade, or other services

Important Points

  • Keep your registered mobile number and card details ready for verification
  • Do not share sensitive information such as OTP, PIN, or CVV
  • Always note your complaint or reference number for future follow-up
  • Immediately block your card if you notice any suspicious or unauthorized transactions

FAQs

How much cashback will I get on fuel purchases via Cashback SBI Card?

The SBI Cashback Credit Card does not provide cashback on fuel spends. However, you do get a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000, with the waiver capped at Rs. 100 per billing cycle.

Cashback earned on eligible transactions is automatically credited to your SBI Card account within 2 days after your next statement is generated, making the process quick and hassle-free.

You can apply online through the SBI Card official website using the SBI Card SPRINT digital application system. You’ll need to provide your PAN, date of birth, mobile number, city, occupation details, and complete your KYC verification. Approved cards are typically delivered within 7–10 working days. Offline applications can also be made at the nearest SBI branch.

Yes, ATM cash withdrawal is allowed. However, it is not recommended, as cash advances do not come with an interest-free period. High finance charges and a cash advance fee apply, and no cashback is earned on withdrawn amounts.

You can contact SBI Card customer support at:

  • 1860 180 1290, or

  • 39 02 02 02 (prefix your local STD code)

You can apply online on the SBI Card website or visit a nearby SBI branch to apply offline.

The card comes with a joining and annual fee of Rs. 999. You can make the card effectively free by achieving Rs. 2 lakh annual spends, which earns you an annual fee waiver from the second year onwards.

Cashback is directly credited to your card account and appears in your monthly statement. You can track it anytime by logging into the SBI Card website or mobile app.

The card offers up to 5% cashback on all online purchases, 1% cashback on offline spends, and a 1% fuel surcharge waiver—making it one of the best no-restriction cashback cards in India.