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HomeCredit cardsSBI CardSBI Cashback Card
Editor's pickMid-rangeVisa

SBI Cashback Card

4.6editor Editor score 91/100Best for online shopping

Flat 5% cashback on all online spends with no merchant restrictions, auto-credited to your statement.

  • 5% cashback on every online purchase
  • 1% cashback on offline spends
  • Cashback capped at ₹5,000 per statement cycle
  • 1% fuel surcharge waiver
Updated 13 Nov 2026
SBI CardMID
•••• •••• •••• 4242
SBI Cashback Card
VISA

Key facts

Joining fee
₹999 + GST
Annual fee
₹999 + GST
Waived on ₹2 lakh annual spends
Reward rate
5% online · 1% offline
Welcome benefit
No welcome bonus

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Editor's pick
HDFC BankMID
SBI Cashback Card
Annual fee ₹999 + GST
Lounge access
None domestic
Forex markup
3.5%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Simplest cashback card in India – no merchant list
  • Cashback auto-credits, no redemption hassle
  • Annual fee waived at ₹2L spends

Watch out for

  • No lounge access
  • Rent, wallet loads, utilities and jewellery excluded
  • 3.5% forex markup

Our take

Why we rate it

The SBI Cashback Card is the easiest cashback card to understand: 5% back on any online merchant, 1% offline, credited automatically. For anyone who spends ₹15,000–₹1,00,000 online every month it beats most co-branded cards.

Who should get it

Online-first spenders who do not care about lounges. If you fly often, pair it with a travel card.

Features & benefits in detail

Rewards
Online spends
5% cashback
Offline spends
1% cashback
Monthly cap
₹5,000
Fees
Fee waiver
₹2,00,000 annual spends
Forex markup
3.5%
Travel
Lounge access
None
Lifestyle
Fuel surcharge waiver
1% (₹500–₹3,000 txn)

Current offers

Amazon

Flat ₹500 off on first Amazon order

Use the card on a ₹2,500+ Amazon order within 30 days of issuance.

Eligibility

Minimum income
₹25,000 / month
Age
21 – 60 years
Credit score
720+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

Frequently asked questions

Yes. Every online merchant qualifies except a short exclusion list (rent, wallet loads, utilities, jewellery, insurance, fuel).
Within two days of the statement generation, directly to the card account.
SBI Card
SBI Cashback Card
Joining fee
₹999 + GST
Annual fee
₹999 + GST
Rewards
Up to 5%
Lounge
None
Forex
3.5%

Secure hand-off to SBI Card. No OTP or PIN ever asked.

Not sure?

Answer 5 questions and see whether this is really your best match.

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

•••• •••• •••• 4242
HDFC Millennia Credit Card
VISA
HDHDFC Bank

HDFC Millennia Credit Card

4.4editor

Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
Up to 4%
Lounge 4 / yr Fuel waiver
Details
Editor's pick
ICICI Bank
•••• •••• •••• 4242
Amazon Pay ICICI Credit Card
VISA
ICICICI Bank

Amazon Pay ICICI Credit Card

4.5editor

Best for amazon prime members

Lifetime free card with 5% back for Prime members on Amazon, 2% on Amazon Pay partners and 1% everywhere else.

Joining
Free
Annual
Free
Rewards
Up to 3%
Lifetime free Fuel waiver
Details
Editor's pick
Axis Bank
•••• •••• •••• 4242
Axis Bank ACE Credit Card
VISA
AXAxis Bank

Axis Bank ACE Credit Card

4.3editor

Best for bill payments & food delivery

5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato and Ola and 1.5% on everything else, uncapped.

Joining
₹499 + GST
Annual
₹499 + GST
Rewards
Up to 3%
Lounge 4 / yr Fuel waiver
Details
Axis Bank
•••• •••• •••• 4242
Flipkart Axis Bank Credit Card
AXAxis Bank

Flipkart Axis Bank Credit Card

4.3editor

Best for flipkart & myntra shoppers

5% unlimited cashback on Flipkart and Cleartrip, 7.5% on Myntra, 4% on preferred partners and 1% everywhere.

Joining
₹500 + GST
Annual
₹500 + GST
Rewards
Up to 3%
Lounge 4 / yr Fuel waiver
Details