⭐ Editor's Choice — Top Rated Pick
SBI Cashback Credit Card
📍 Available in: India
★★★★★ 4.9 / 5.0
The SBI Cashback Credit Card is the single best non-invite credit card in India for online spenders. Unlike co-branded cards that restrict 5% cashback to a single app, the SBI Cashback Card pays a flat 5% real cashback on almost every online website and app in India and abroad (Amazon, Flipkart, Myntra, Ajio, Blinkit, Zomato, Swiggy, flights, electronics) up to ₹5,000 cashback per billing cycle, automatically credited directly to your credit card statement within 2 days of bill generation.
Key Facts at a Glance
| Cost / Fee Structure | ₹999 + GST (Waived on ₹2 Lakh Annual Spend) |
| APR / Rate | 45.00% p.a. (3.75%/mo) |
| Sign-Up Bonus / Match | Flat 5% Cashback on All Online Spend (Up to ₹5,000/mo) |
| Credit / Eligibility | CIBIL 730+ (Online Instant Video KYC) |
Pros & Cons
✓ Pros
- ✓Works across Amazon, Flipkart, Myntra, Nykaa, and thousands of online merchants without co-brand lock-in
- ✓Direct statement credit cashback—no reward redemption fees or expiring points
- ✓Spending just ₹20,000/month online earns ₹12,000/year in pure tax-free cashback
✕ Cons
- ✕Excludes utility bills, insurance, rent, fuel, jewelry, school fees, and wallet loads from cashback
- ✕No complimentary domestic airport lounge access (removed to sustain the massive 5% online cashback)
Key Features
5% Unrestricted Cashback on All Eligible Online Spends (Cap: ₹5,000/month)1% Unlimited Cashback on Offline POS Store SpendsCashback Automatically Credited to Statement Within 2 Days of BillingAnnual Fee (₹999) Reversed Automatically at ₹2,00,000 Annual Spend
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