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Cards · SBI Card

Cashback SBI Card: rewards, caps and exclusions

Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 16 July 2026.

Visa, Mastercard, RuPay, American Express₹999 a yearPaid in cashback

What it earns

5%Everything else (online)on the first ₹40,000 of spend a cycle
1%Everything else (in store)on the first ₹2,00,000 of spend a cycle

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

  • Fuel
  • Wallet loads
  • Rent
  • Jewellery
  • Education fees
  • Utility bills
  • Telecom bills
  • Insurance premiums
  • Gift cards
  • Railway bookings
  • Cash withdrawals and fees
  • Gaming (since 1 April 2026)
  • Tolls (since 1 April 2026)
  • Government payments (since 1 April 2026)
  • EMI conversions

Fees

  • Annual fee: ₹999, plus 18% GST
  • Annual fee waived on ₹2,00,000 of spend in a card year

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 16 July 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Other SBI Card cards

AURUM

≈1% on everything else

BPCL SBI Card

≈3.25% on BPCL Fuel spends (in store / online)

BPCL SBI Card OCTANE

≈6.25% on BPCL fuel, MAK lubricants, Bharatgas, BPCL In&Out stores

Flipkart SBI Credit Card

7.5% on Myntra

IndiGo SBI Card ELITE

≈7% on Accelerated Category 1: IndiGo App / Web (online)

IRCTC SBI Card Premier

≈8% on Railway tickets at www.irctc.co.in / IRCTC app — 1st AC, 2nd AC, 3rd AC, Executive Chair Car, AC Chair Car (online)

IRCTC SBI Platinum Card

≈4% on Railway tickets at www.irctc.co.in / IRCTC Android app — 1st AC, 2nd AC, 3rd AC, Executive Chair Car, AC Chair Car (online)

KrisFlyer SBI Card Apex

≈5% on Spends on Singapore Airlines

Landmark Rewards SBI Card PRIME

≈6.25% on Online & Retail Landmark Stores

Paytm SBI Card

≈3% on Travel purchases through Paytm App (online)

Paytm SBI Card SELECT

≈5% on All Travel purchases through Paytm App (online)

PhonePe SBI Card BLACK

≈10% on PhonePe spends — Insurance

PhonePe SBI Card PURPLE

≈3% on PhonePe spends — Insurance

Reliance SBI Card PRIME

≈5% on AJIO & JioMart Online Stores (online)

SBI Card ELITE

≈2.5% on Food, Groceries

SBI Card MILES ELITE

≈3% on Transport

SBI Card MILES PRIME

≈1% on Transport

SBI Card PRIME

≈5% on Birthday spends

SBI Card PULSE

≈2.5% on Food, Entertainment, Health, Shopping

SBI SimplyCLICK Credit Card

≈2.5% on Exclusive online partners (online)

SimplySAVE SBI Card

≈1.67% on Food, Entertainment, Groceries

Tata Neu Infinity SBI Card

≈5% on Tata Neu App/Website and partner Tata Brands (in store / online)

Tata Neu Plus SBI Card

≈2% on Tata Neu App/Website and partner Tata Brands (in store / online)

Titan SBI Card

≈7.5% on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth and Sonata stores (in store / online)

Every card we have rules for