SBI Cashback Credit Card: Review, Features, Benefits, and FAQs
The SBI Cashback Credit Card is a popular choice among users looking for maximum cashback rewards on their everyday expenses. Whether you are shopping online, dining out, or paying utility bills, this card is designed to help you save more. Below is a detailed overview of the card, including features, benefits, and essential details, which will help you make the decision.
SBI Cashback Credit Card Eligibility Criteria
To apply for the card, ensure you meet the following criteria:
- Age Limit: 21 to 60 years.
- Income Requirement: Income: Minimum monthly income of Rs 30,000
- Credit Score: Minimum credit score of 650+ with no delayed payments in the past 12 months
Key Feature of the SBI Cashback Credit Card
- 5% Cashback on online* spends without any merchant restriction.
- 1% Cashback on offline* spends.
- Joining Fee (one-time): Rs.999
- Renewal Fee (Per Annum): Rs. 999 from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
- 1% Fuel Surcharge Waiver across all petrol pumps in India.
- The card is accepted at millions of merchants globally, ensuring a seamless experience whether you are shopping locally or traveling internationally.
* Card Cashback will be auto credited to your SBI Card account within two working days of your next statement generation. For details, please see Term & conditions.
SBI Cashback Credit Card Benefits
- Cashback Rewards: High cashback rates on online transactions make this card an excellent choice for frequent online shoppers.
- Affordable Fees: While the card has a ₹999 joining fee, it is reasonable given the benefits, especially if waived upon meeting spending thresholds.
- Digital-Friendly: The integration with the SBI Card app ensures easy management of transactions, cashback tracking, and bill payments.
- Having this card, you can take add on cards for the family at no additional cost.
To learn more about this card read SBI Cashback Credit Card PDF
How to Apply for SBI Cashback Credit Card?
Getting the SBI Cashback Credit Card is quick and easy when you apply through trusted platforms like CashKaro. Here is a step-by-step guide to help you get started:
- Visit the CashKaro Website
- Visit CashKaro website or download the app followed by logging in or signing up for an account.
- Search for the SBI Cashback Credit Card store page in the search bar.
- Know Card Details
- On CashKaro, you can view all the details about the card, including cashback rates, annual charges, and additional benefits. Also, learn about the cashback caps and fees with the card.
- Click on Activate Rewards
- Click on the “Activate Rewards” button to begin your application process. This will redirect you to the official SBI website or partner page for a secure and seamless experience.
- Fill Out the Application Form
- Provide necessary details like your name, age, income, and address in the application form.
- Upload essential documents such as:
- Identity Proof (Aadhaar Card, PAN Card, etc.)
- Address Proof
- Income Proof (salary slips or ITR)
- Complete the Verification Process
- The bank will verify your details and documents. This may include a telephonic or physical verification step.
- Track Your Application
- Once submitted, track the status of your application the SBI official portal.
- Earn Rewards:After getting the credit card, Rewards will be credited to your CashKaro account. You can withdraw these rewards as Amazon Pay Balance or Flipkart Gift Card from your registered account.
Why Use CashKaro for Your SBI Cashback Credit Card?
- Extra Cashback:By applying via CashKaro, you may earn extra cashback on your credit card application in addition to the cards inherent benefits.
- Exclusive Offers:Access special deals and discounts exclusively available through CashKaro.
- Easy Comparison:Compare multiple credit card options on one platform before making your decision.
Who Should Get This Card?
- Frequent Online Shoppers: If you regularly shop online, the high cashback rate ensures significant savings.
- Savers: If you want to maximize cashback rewards on daily transactions like dining, groceries, and bill payments, this card is a good choice.
*The coupons and offers listed on this store are subject to modification, suspension, or termination at any time without prior notice. Customers are advised to verify the availability, validity, and applicability of the offers directly with the merchant before making any purchase.
Frequently Asked Questions about SBI Cashback Credit Card
Q. Can I withdraw cash using my SBI Cashback Credit Card?
A. Yes, you can use this credit card to withdraw money. You can visit any ATM globally that supports VISA to take out cash.
Q. Does the card provide lounge access?
A. No, the card does not offer complimentary airport lounge access at any location.
Q. How do I check the status of my SBI Cashback Credit Card application?
A. Visit the SBI Credit Card website and navigate to the 'Track Application' section.
Q. Is the SBI Cashback Credit Card worth it?
A. If you frequently shop online and value cashback rewards, this card is an excellent choice.
Q. Is there a limit to the Cashback that I can earn?
A. CYes, there is a SBI Cashback Credit Card cashback limit. Maximum Cashback that can be earned on online and offline spends in a statement cycle will be capped at Rs.5,000. Post that you won’t earn any cashback on using this card.
