Direct 5% online cashback on all e-commerce merchants with automatic statement credit.
Online Shoppers, Direct Statement Cashback Seekers & E-Commerce Power Users
₹999
One-time upfront₹999
Waived on ₹2 lakh annual spend5% online cashback (up to ₹2,000/cycle), 1% offline cashback (up to ₹2,000/cycle), total combined cap ₹4,000/cycle
On eligible spends3.50% + GST
Cross-currency spendsLast verified 15 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Cashback SBI Card remains one of the simplest and most rewarding credit cards in India for everyday e-commerce spending. Unlike co-branded cards tied to a single platform, it earns a flat 5% cashback on online transactions across Amazon, Flipkart, Myntra, Swiggy, Zomato, Nykaa, and independent online merchant portals without requiring coupon codes or voucher portals. Offline retail swipes earn a basic 1% cashback. A key operational strength is that cashback is credited directly to the card statement within two working days of statement generation, completely eliminating point expiry and catalogue redemption charges. However, cardholders must note the benefit structure effective 1 April 2026: The 5% online cashback is capped at ₹2,000 per statement cycle (corresponding to ₹40,000 in monthly online spend). Offline retail spends earn 1% cashback capped at ₹2,000 per cycle, bringing the total combined maximum cashback to ₹4,000 per statement cycle. Second, the card carries an extensive list of excluded spend categories: merchant EMIs, utilities, insurance, fuel, rent, wallet loads, school and educational fees, jewelry, railway tickets, tolls, gaming, and government transactions earn zero cashback. Furthermore, it offers no complimentary domestic or international airport lounge access. Who should consider it: Consumers spending ₹10,000 to ₹40,000 monthly on diverse online merchants who want friction-free, automatic cash savings without managing reward points. Who should look elsewhere: Spenders seeking airport lounge access, offline grocery maximizers, or those whose primary expenditure is utility bills and rent.
5% Cashback on Online Spends Up to ₹2,000 and 1% Cashback on Offline Spends Up to ₹2,000. Maximum Total Cashback of ₹4,000 in a Statement Cycle
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Spends (Any Merchant) | 5% cashback on eligible online transactions, capped at ₹2,000 per statement cycle (total combined cap ₹4,000) | 2,000 INR (₹) / statement cycle | Fuel, Rent, Wallet, Utility, Jewelry, Education, Railway |
| Offline Retail Spends | 1% cashback on eligible offline retail spends, capped at ₹2,000 per statement cycle | 2,000 INR (₹) / statement cycle | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Spends (Any Merchant) | ₹12,000 | 5% cashback on eligible online transactions, capped at ₹2,000 per statement cycle (total combined cap ₹4,000) | — | ₹2,000/statement_cycle | Calculating... | Under cap |
| Offline Retail Spends | ₹18,000 | 1% cashback on eligible offline retail spends, capped at ₹2,000 per statement cycle | — | ₹2,000/statement_cycle | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹999 + GST joining fee and ₹999 + GST annual renewal fee. The renewal fee is reversed if eligible retail spends in the previous year reach or exceed ₹2,00,000. Cashback Accrual: 5% cashback on all eligible online retail spends (capped at ₹2,000 per statement cycle) and 1% cashback on eligible offline retail spends (capped at ₹2,000 per statement cycle). Total combined maximum cashback across online and offline transactions is ₹4,000 per statement cycle (effective 1 April 2026). Credit Mechanics: Cashback is calculated on transaction settlements and automatically credited directly to the primary card statement within two working days of monthly statement generation. Cashback does not expire and cannot be redeemed for physical cash. Exclusions: Zero cashback is earned on Merchant EMI, Flexipay, fuel transactions, utility bills, insurance premiums, house rent payments, wallet reloads, school and educational services, jewelry purchases, railway bookings, tolls, gaming merchants, and government payments. Lounge Access: Zero complimentary domestic or international airport lounge visits. Fuel Benefit: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at all fuel stations across India, capped at ₹100 per statement cycle. Fuel spends do not earn cashback.
Evaluate whether this card's perks and waiver threshold justify its ₹999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Cashback SBI Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official SBI Card portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Jupiter has added a major spending condition to the Edge+ CSB Bank RuPay Credit Card's headline shopping rewards. From 10 October 2026, cardholders must cross ₹15,000 in qualified statement-cycle spending to receive the full 50% Jewels on eligible shopping transactions. Fall short, and those purchases earn only 5% Jewels.
SBI Card and Eternal have launched the Eternal SBI Card with discounts across Zomato, Blinkit, District and Bistro, plus cashback on Uber, ixigo, Urban Company and Apollo 24|7. The card was officially announced on 15 October 2026. Early-access registration is open, while applications are scheduled to begin from 22 October 2026 in phases.
The Amazon Pay Kotak Business Credit Card earns Prime members 5% on eligible Amazon Business purchases and flights, 2% on bills through Amazon Pay, and 1% elsewhere. The Rs 499 annual fee is waivable on Rs 3 lakh of Off-Amazon spend. For personal Amazon shopping, the Amazon Pay ICICI card remains the cleaner choice. For genuine business procurement, the Kotak card makes a compelling case.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: UPI Scan & Pay, Accelerated Shopping on Amazon/Flipkart/Myntra (>₹15k Monthly Spend), and Jupiter Flights
Rewards: 5% Jewels (5 Jewels per ₹100 spend; up to 1% effective value at ₹0.20/Jewel, 0.7% as statement credit)
Last verified 15 Oct 2026
Best for: Amazon Prime subscribers, everyday online shoppers, and utility bill payers seeking unconditional zero-annual-fee rewards without minimum redemption hurdles.
Rewards: 5% for Prime on Amazon, 3% for non-Prime, 2% on bills, 1% elsewhere
Last verified 3 Oct 2026
Best for: Utility Bill Payers, Google Pay Users & Everyday Dining, Grocery and Cab Spenders
Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
Rewards: 5% on 10 online merchants, 1% on other spends
Lounge access: 4 Domestic visits/year · ₹1L quarterly spend required
Renewal fee waived on ₹1,00,000 annual spend
Last verified 16 Sept 2026
Best for: Zomato Food Delivery, Dining Out on District, Blinkit Orders & Quick-Commerce Spends
Rewards: 1% base statement cashback on all other eligible retail transactions
Renewal fee waived on ₹2,00,000 annual spend
Last verified 27 Oct 2026
Best for: Heavy Swiggy Food Delivery, Instamart & E-Commerce Shoppers
Rewards: 10% on Swiggy (max ₹1,500/cycle), 5% on select online merchants (max ₹1,500/cycle), 1% on other spends (max ₹1,000/cycle)
Renewal fee waived on ₹2,00,000 annual spend
Last verified 21 Oct 2026
