Overview
Rewards
Fees
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Verdict
The SBI Cashback Card is built around one simple idea: shop online, get 5% back, no questions asked. There's no list of partner brands, no merchant restrictions, no points to track. Whether you're buying clothes on Myntra, booking flights, or ordering food, the 5% applies. Cashback lands directly in your account after your statement generates. Offline spends earn 1%. The card costs ₹999 a year but that fee disappears if you spend ₹2 lakh annually — very achievable for regular online shoppers. After the February 2026 revision, the monthly cashback cap sits at ₹4,000 (₹2,000 online + ₹2,000 offline), down from the earlier ₹5,000. It's still among the best flat-rate cashback cards in India for the price point.
Consistently well-regarded on r/CreditCardsIndia as one of the best entry-level cashback cards. Users appreciate the merchant-unrestricted 5% and the hassle-free auto-credit feature. The 2026 cap reduction caused some disappointment among heavy spenders, but the general consensus is that it still offers strong value for moderate online shoppers.