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)

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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Zenidhi reads your SBI Card statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works