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startercashbackSBI Card · Visa
SBI Cashback Credit Card
5% online cashback (capped ₹5,000/mo), 1% offline. Excludes utilities, rent, fuel, insurance, education. Lifetime-free utility = limited; cashback is the single appeal.
what it costs
| joining fee | ₹999 |
|---|---|
| annual fee | ₹999 |
| how to dodge the fee | Annual fee waived on ₹2,00,000 spend in the preceding anniversary year |
| forex markup | 3.5% + GST |
how you earn
every ₹100 you swipe earns you cashback — Direct Cashback (statement credit).
| default | 1% back |
|---|---|
| online | 5% back |
freebies
| welcome gift | — |
|---|
extras
| domestic lounges | 4/year (1/quarter) |
|---|---|
| international lounges | — |
| who can apply | Salaried or self-employed; net monthly income ₹35,000+ |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.