SBI Cashback Credit Card - Benefits, Cashback limit, Review & Apply Online

The State Bank of India (SBI), India’s largest commercial bank, provides a variety of services to cater to its customers' basic and premium needs. Among these is the SBI Cashback Credit Card, which offers more than just standard credit card transactions.

With the SBI Cashback Credit Card, you can earn attractive rewards for every online and offline transaction, making it a valuable tool for maximizing your spending benefits.

What Is the SBI Cashback Card?

Benefits of Cashback SBI Card

The following points will take you through the benefits of the SBI cashback credit card: 

Worldwide Acceptance

• Use the card at over 24 million outlets globally and approximately 3.25 lakh outlets in India.
• Acceptable anywhere VISA is supported.

Cash Withdrawal Facility

• Withdraw cash from over 1 million VISA-enabled ATMs worldwide, ensuring round-the-clock accessibility.

Fuel Surcharge Waiver

• Get a 1% fuel surcharge waiver at all petrol pumps across India.
• Applicable for transactions between ₹500 and ₹3,000, with a maximum benefit of ₹100 per statement cycle (excluding GST and other charges).

Hassle-Free Cashback

• Cashback is credited to your account within 2 business days of the transaction date.

Cashback Rewards

• 5% cashback on all online transactions.
• 1% cashback on offline transactions.

Contactless Payments

• Enjoy secure and quick payments with tap-to-pay technology, eliminating the need for PIN entry for every offline purchase.

Add-on Cards

• Share the card’s benefits by issuing add-on cards for family members.

Balance Transfer on EMI

• Transfer outstanding balances from other credit cards to your SBI Cashback Credit Card and enjoy lower interest rates with flexible EMI options.

Spend-Based Renewal Fee Waiver

• Spend over ₹2 lakh annually to get the renewal fee waived.

Utility Bill Payments

• Use the card to pay utility bills, including telephone, mobile, electricity, and more, offering convenience and rewards.

The SBI Cashback Credit Card is a feature-packed offering, ensuring seamless global and domestic transactions with added cashback benefits and exclusive perks for frequent spenders.

Fees and Charges for Cashback SBI Card

The points below will take you through fees and charges associated with SBI cashback credit cards:

Eligibility Criteria for Cashback SBI Card

To avail the benefits of an SBI cashback credit card, you must fulfil the following eligibility criteria:

• Applicants must belong between the 21 to 70 year age group. 
• He/she can be a salaried or self-employed individual. 
• As an applicant, you must have a good credit score (preferably 750 or higher). 

Documents Required for Cashback SBI Card

Take a look at the following documents that you must furnish to avail a cashback SBI card:

• Proof of Income
  • Last 3 month’s bank statement
  • The latest or last two salary slips (not more than 3 months old)
  • Recent Form 16
• Identity Proof
  • Aadhaar card
  • PAN card
  • Drivers’ licence
  • Job card by NREGA
  • Passport
  • Letter by UIDAI
  • Overseas Citizen of India card
  • Voter’s ID
  • Person of Indian origin card
  • A photo ID proof approved by the Government
• Address Proof
  • Utility bills up to 3 months old 
  • Driving licence
  • Passport
  • Aadhaar card
  • Ration card
  • Person of Indian Origin card
  • Property registration document
  • Bank statement or any other government-issued document approved as address proof
  • NREGA issued job card

How to Apply for a Cashback SBI Card?

Here are the steps that you can follow to apply for an SBI cashback credit card:

Step 1: Open the Credit Cards page on the SBI official website. Here, you will see a list of different credit cards that SBI offers. 

Step 2: Locate the Cashback SBI Credit Card from this list and click on the 'Apply Now' option below the card. 

Step 3: On the next page, click on the ‘Start apply journey’ button. Your screen will display an e-Apply form or online application form. 

Step 4: Start filling out this form carefully by entering the necessary details. 

Step 5: After entering the necessary information, click on ‘Submit’ to get an instant message stating the status of your application form submission. 

Step 6: After bank authorities approve your application, a representative from SBI will call you to verify the information. 

Step 7: As the bank completes the verification process, it will post your credit card to your registered address. 

You can follow the steps above to apply for an SBI cashback credit card. On this note, you must remember that entering misleading information or incorrect details can delay your credit card application process. It can also lead to rejection and a lowering of your credit score.

Therefore, consider keeping your documents handy and review your application before submission to look out for any discrepancies. 

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