Looking for the best cashback credit card in India? The SBI Cashback Credit Card is one of the most rewarding cards available right now, offering unmatched cashback benefits on almost every online purchase. We have been using this card since last 1 year and here what we have found.

Key Benefits of SBI Cashback Credit Card

• 5% cashback on all online purchases, with no merchant restrictions.

• 1% cashback on offline spends.

• Maximum cashback of Rs.5,000 per month.

• Cashback is automatically credited to your next statement.

• Annual fees of Rs.999 + GST (can be recovered with Rs.2L yearly spend, the rest is pure savings).

• Exclusions apply: EMI payments, utility bills, fuel, rent, wallet reloads, and similar spends do not earn cashback.

• Minimum Rs.100 transaction required within 30 days of card issuance to activate cashback.

Personal Experience After 10 Months of Use

I have been using this card for the past 10 months, earned over Rs. 10666 cashback and here is what I found:

Pros

• Getting flat 5% cashback on almost all online purchases.

• Cashback applies even when buying Amazon gift cards from Amazon.

• Worked perfectly for online medicine orders on Pharmeasy.

• Useful for grocery shopping on Jiomart and many other platforms.

• You can club some offer to get extra benifit example, when ever i have to buy grocery form jiomart, first i buy gift card (which is already at 3% discount + 5% sbi cashback = 8% discount) from Amazon then buy from jiomart.

• Cashback is credited directly to your card account within two working days after statement generation.

Cons

• During Amazon sale events, the SBI Cashback Credit Card is excluded from extra cashback offers, which reduces its advantage during big sales.

• Renewal charges are little high Rs. 999 yearly which is little upside. Requires ₹2 lakh annual spend to waive fee, not suitable if you don’t transact enough.

• Cashback is not awarded on rent, fuel payments (beyond waiver), wallet loads, merchant EMI/Flexipay EMI, utilities, insurance, education, jewelry, railways, and gift cards.

• No Airport launge access given with this card.

How to get SBI Cashback Credit Card?

1. Visit deal page here 
2. Fill up Details
3. Get the card if you are eligible