SBI Credit Card: Charges, Benefits, and Apply Online

SBI Credit Card. State Bank of India (SBI) is the most popular and trusted public sector in India. The head office of SBI is situated in Mumbai, Maharashtra. This bank provides banking services to millions of customers all over the country. It also provides credit cards and debit cards to allow customers to do banking transactions easily. So, in this guide, we will share information about cashback SBI credit cards. 

In this internet generation, any SBI customer can access his bank account while sitting at home. They can also do online shopping by using a debit or credit card. If you are an SBI customer, then I will suggest you apply for an SBI credit card. This card provides lots of rewards and cashback when you do any transaction by using it.

So, here you will learn about SBI cashback credit card reviews, benefits, eligibility, and ways to Apply For SBI cashback credit cards online

What is an SBI Cashback Credit Card?

In this section, we will learn about the SBI Cashback Credit card review. There are lots of banks that provide credit cards to their customers like ICICI Credit Card, Axis Credit Card, HDFC Credit Card, etc. So, SBI also provides its newly launched SBI Cashback Credit Card. Customers can get lots of discounts and cashback if they do any transaction using by credit card

If any customer does online shopping with a cashback SBI card, then he will get 5% cashback. The main benefit of this card is that there is no limit to doing online transactions with only merchants. So, it provides cashback on every online transaction. 

There are other credit cards available in the market which also provide 5 % cashback but they come with some limits. But, there is no limit on cashback SBI cards and it provides cashback on both offline and online transactions.

Read More: How to get SBI Account Statement | SBI Bank Statement

How much are SBI Cashback Credit Card Fees?

Now, there is an SBI cashback credit card offer running for customers who want to apply for a cashback SBI card. If you want to get a credit card from SBI, then it is completely free in 2023 which means no SBI cashback credit card charges. After one year, you need to pay Rs. 999 for the card renewal fee. 

By using a State Bank cashback credit card, you can save lots of money. The main feature of the SBI credit card is that if you spend up to 2 lakh rupees from this card, then your renewal fees will be saved. 

SBI Cashback Credit Card Benefits

There are lots of SBI cashback credit card benefits that you need to know. 

  • SBI Credit Card Cashback on all transactions: This card provides 5% cashback on all online and offline transactions. It gives 1 % cashback on bill payments, EMI, balance transfers, flexibility, etc.
  • Automatically Cashback Credit: After the generating of the statement, the SBI Cashback will be credited after 2 days in your SBI credit card account
  • Zero joining fee: This card is completely free to use for the first year.
  • Renewal fees after 1 year: You need to pay some renewal fees after using a credit card SBI for 1 year. When you have done a transaction of more than 2 lakh rupees, then the renewal fees will be neglected.
  • Complimentary Domestic Lounge: It provides you the visit of 4 domestic lounges in 1 year.
  • 1% discount on fuel surcharge: By using this card, you can get a 1% discount on fuel surcharge on any Petrol pump in India.

Read More: SBI Kiosk Banking | How to Apply for SBI Kiosk Bank

What is the eligibility to apply for SBI Cashback Credit Card?

You have to fulfil this SBI cashback credit card eligibility to apply for a credit card.

  • Your age must be 21 years to 60 years old
  • Monthly income should be a minimum of 18,000 rupees 
  • Any salaried or Self-Employed person can apply for an SBI credit card
  • 3.0 % cash withdrawal charges from ATM
  • The applicant should be an Indian Citizen
  • You should have a good credit history

Documents Required for SBI Cashback Credit Card Apply

These are some necessary documents that you need to submit.

  • Aadhar Card
  • PAN Card
  • Passport
  • Driving Licence
  • Voter ID Card 
  • Bank Mini Statement
  • Pension Book
  • Pay Slip
  • Income Tax Return documents
  • 4 passport-size photographs

Read More: All Bank Customer Care Number | Customer Care Number of all Banks in India

How to Apply Online for an SBI Cashback Credit Card

We have listed the steps below to apply for a cashback by credit card online for both bank and non-bank customers.

SBI Credit Card Online Application for SBI Customers

  1. Go to the SBI’s official website.
  2. Now go to the credit cards page.
  3. After that, log in to your account by entering your customer ID and password.
  4. Now fill out the application form correctly.
  5. And then, click on the submit button.

SBI Credit Card Online Application for New Customers

  1. Visit the official SBI website.
  2. Now click on the signup option and enter your details carefully.
  3. After successfully entering all details, click on the verification button.
  4. Complete your KYC by submitting the required documents.
  5. Now your application will be successful by credit card.

These were the steps to apply for an SBI Cashback Credit card. If these steps are not working for you, then you can directly visit your nearest SBI branch.

Read More: How to Change Axis Bank Net Banking Login Password?

How much Cashback is provided by the SBI Cashback Credit Card?

If we talk about cashback in SBI credit cards, then it totally depends upon the number of transactions. So, you can get 1 % cashback with an online transaction of 100 rupees. For transactions of more than 10,000 rupees, you can earn 5% of cashback.

What is the SBI Cashback Credit Card Limit?

Before using a credit card, it is very important to know the SBI cashback credit card limit. SBI Credit card limit is the maximum amount of money that customers can use for online or offline transactions through credit cards. 

So, the big SBI credit card limit can be calculated by multiplying the credit score with monthly income or salary. For example, if you earn Rs. 30,000 per month and have a good credit score, then your credit card limit will be up to Rs. 4.5 lakh.

Read More: Bank of India Net Banking Registration | How to Activate BOI Net Banking

SBI credit card customer care


Now you know about the SBI Cashback Credit Card. Since online shopping and transactions became a trend in the market, the demand for credit cards has increased drastically. This card is also helpful because it allows us to do shopping even if we don’t have money in our bank account. So, we can pay the SBI credit card bill later. 

Nowadays, most banks provide credit cards. But, among all of them, SBI is the only bank that provides an SBI Cashback Credit Card with lots of benefits without any limitations. If you are looking to apply for a Cashback SBI Credit Card, then we have shared the complete steps above. So, you can follow the steps and apply for an SBI credit card easily. 

I hope you enjoyed this post and got valuable information about SBI Bank Credit Card. If you find this article helpful, then help us in promoting this article and share it with your friends and family.

People Also Ask

How to check SBI credit card cashback?

Visit the official website of SBI Credit Card and login to your account. After that, you can check the cashback earned on the transactions made by you.

How to redeem SBI credit card Cashback?

You need to visit or use the sbi card mobile app. Now, click on redeem rewards points to redeem cashback points.

What is the main benefit of using an SBI cashback credit card?

If you use an SBI credit card, then you save some percentage of the amount you spend on transactions.

How can my cashback get cancelled?

When you return the purchase or cancel the transaction made using a credit card, then the earned cashback will also be cancelled.

Does SBI credit Card Cashback expire?

If you close your SBI credit card account or don’t do any activity for a long time, then the SBI cashback will expire.

When was the SBI Credit Card launched?

SBI Cashback Credit Card was recently launched by the State Bank of India.

How can I check the SBI Cashback Credit Card Status?

  • Visit official website of
  • Select Personal option
  • Go to the Apply section
  • Select ‘track application’
  • Now enter your application number and then select the track button
  • After selecting, you can check the location of your SBI credit card