कैशबैक एसबीआई कार्ड
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
India's premier cashback credit card delivering an industry-leading 5% cashback on all online spends auto-credited directly to monthly statements.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Cashback SBI Card is India's most popular pure cashback credit card, designed for savvy online shoppers who want straightforward statement credits rather than complicated reward catalogs. It offers an unbeatable 5% cashback on almost all online transactions regardless of merchant.
Zero joining fee offers often available digitally; direct 5% cashback auto-credited to statement from month 1 without merchant partner restrictions.
No complimentary airport lounge access included with this pure cashback product.
1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at all petrol pumps in India (maximum ₹100 per billing cycle).
Annual renewal fee waiver of ₹999 upon reaching annual retail spends of ₹2,00,000.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried corporate employees and self-employed professionals aged 21 to 70 years.
न्यूनतम वार्षिक आय आवश्यकता
₹3,60,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Aadhaar Card 3. Last 3 months' salary slips with bank statement OR Latest ITR.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Strict monthly cashback cap of ₹5,000 per billing cycle. No airport lounge access. Excluded categories are comprehensive: utilities, insurance, school fees, rent, and jewelry do NOT earn any cashback. Offline spend earns only 1%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select Cashback SBI Card. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Cashback SBI Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Cashback SBI Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Cashback SBI Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. Direct Statement Credit: 1 Cashback Rupee = ₹1.00. Automatically credited to your SBI Card statement within 2 working days of monthly statement generation. Please note: Cashback does not expire as it is credited directly to your statement every month.
What is the interest-free grace period on Cashback SBI Card and how does it work?
The interest-free period on Cashback SBI Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.