Key Features & Benefits
- ✦5% cashback on ALL online transactions — no merchant exclusions
- ✦1% cashback on ALL offline/in-store transactions
- ✦Cashback capped at ₹5,000 per billing cycle (online) + ₹5,000 (offline)
- ✦Cashback auto-credited to card account within 2 days of posting
- ✦No exclusions on merchant category — Amazon, Flipkart, Zomato, Swiggy, IRCTC, OTT all qualify
- ✦Annual fee waiver on ₹2L annual spend
- ✦1% fuel surcharge waiver
- ✦Contactless payments enabled
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Welcome & Joining Benefits
- ✦Check SBI Card website for current benefits
Milestone Benefits
- ✦₹2L annual spend → ₹999 annual fee waived
Pros & Cons
✓ Advantages
- ✓5% on ALL online spends — no merchant restriction (rarest benefit in India)
- ✓Works on Zomato, Swiggy, Amazon, Flipkart, Netflix, travel booking, utilities — everything
- ✓Auto-credited cashback — no redemption needed
- ✓Annual fee waived at ₹2L spend — easily achievable
- ✓Genuinely one of India's best cashback cards
✗ Disadvantages
- ✗Capped at ₹5,000/month online — heavy online spenders may hit cap quickly
- ✗No lounge access
- ✗3.5% forex — not for international use
- ✗Excludes wallet top-ups, fuel in 5% category
Frequently Asked Questions
Does the 5% apply to utilities, OTT, and IRCTC?▼
Yes — the 5% cashback applies to all online transactions including electricity bills, OTT subscriptions (Netflix, Prime, Hotstar), IRCTC, food delivery apps, and grocery sites. Wallet loads (Paytm, PhonePe) and fuel are excluded.
How quickly is cashback credited?▼
Cashback is automatically credited to your SBI Card account within 2 working days of the transaction posting. It appears as a credit in your next statement, reducing your total dues.
What is the effective cashback if I hit the ₹5,000 monthly cap?▼
The cap means you save ₹5,000/month = ₹60,000/year just on online spends. For a ₹999 annual fee, the return on fee is exceptional. Power users with ₹1L+/month online spend will hit the cap quickly.
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