SBI Cashback Credit Card (India): Sab Kuch Jo Aapko Janna Hai!

# SBI Cashback Credit Card (India): Sab Kuch Jo Aapko Janna Hai!

Hey dosto, online shopping ka craze aajkal har kisi ko hai, aur jab baat savings ki ho, toh kaun nahi chahta thodi si extra bachat? Yahi wajah hai ki **SBI Cashback Credit Card** India mein itna popular ho raha hai. Ye card online aur offline shopping mein cashback ke saath aur bhi dher saare benefits deta hai. Agar aap ek aisa credit card dhoond rahe ho jo simple ho aur har swipe pe rewards de, toh ye article aapke liye hai. Chalo, iske features, benefits, apply karne ka process, aur eligibility ke baare mein detail mein baat karte hain!

## SBI Cashback Credit Card Kya Hai?

SBI Cashback Credit Card, jaisa ki naam se hi pata chal raha hai, ek cashback-focused credit card hai jo State Bank of India (SBI) ne launch kiya hai. Ye card specially un logon ke liye design kiya gaya hai jo online shopping bohot karte hain aur har kharch pe bachat chahte hain. Is card ka highlight hai **5% cashback on all online spends** without any merchant restrictions, jo isse market ke dusre cards se alag banata hai. Iske alawa, offline spends pe bhi 1% cashback milta hai, aur fuel surcharge waiver jaise aur bhi perks hain.[](https://www.paisabazaar.com/sbi-bank/cashback-sbi-card/)

### Key Features of SBI Cashback Credit Card

- **5% Cashback on Online Purchases**: Har online transaction pe, chahe Amazon ho, Flipkart, Zomato ya koi bhi platform, aapko 5% cashback milega. No brand or merchant restrictions

- **1% Cashback on Offline Spends**: Dukanon pe ya offline shopping ke liye bhi 1% cashback milta hai.

- **1% Fuel Surcharge Waiver**: Rs. 500 se Rs. 3,000 ke fuel transactions pe 1% surcharge waiver (max Rs. 100 per statement cycle).[](https://www.forbes.com/advisor/in/credit-card/reviews/sbi-cashback-credit-card-review/)

- **Contactless Payments**: Tap-to-pay feature ke saath chhote transactions jaldi aur securely kar sakte hain.

- **Global Acceptance**: Ye card Visa network pe chalta hai, jo 24 million+ outlets worldwide aur 3.25 lakh+ outlets in India mein accept hota hai.[](https://cleartax.in/s/sbi-cashback-credit-card)

- **Auto-Credited Cashback**: Cashback directly aapke SBI Card account mein 2 days ke andar statement generation ke baad credit ho jata hai. No hassle of redeeming points

- **Annual Fee Waiver**: Agar aap ek saal mein Rs. 2 lakh spend karte hain, toh Rs. 999 ki annual fee waive ho jati hai.[](https://select.finology.in/credit-card/sbi-cashback-credit-card)

### Why Choose SBI Cashback Credit Card?

Agar aap online shopping ke shauqeen hain ya regularly digital payments karte hain, toh ye card aapke liye perfect hai. Iske kuch reasons yeh hain:

- **Simple Rewards System**: No complicated reward points, direct cashback jo statement mein adjust ho jata hai.

- **No Merchant Restrictions**: Dusre cards ke jaisa brand-specific limits nahi hain, har online purchase pe 5% cashback milta hai.

- **Affordable Fees**: Rs. 999 joining aur annual fee ke saath, ye card budget-friendly hai, especially jab aap fee waiver ka target achieve kar lete hain.

- **Add-On Cards**: Family members (18+ age) ke liye up to 3 add-on cards free mein le sakte hain.[](https://cashkaro.com/stores/sbi-cashback-card)

## How to Apply for SBI Cashback Credit Card?

SBI Cashback Credit Card ke liye apply karna bohot easy hai, aur ye process completely digital hai thanks to SBI Card Sprint platform. Yahan step-by-step guide hai:

1. **Visit SBI Card Website**: Official website www.sbicard.com pe jao aur “Credit Cards” section mein jake “CASHBACK SBI Card” select karo.[](https://www.bankbazaar.com/credit-card/cashback-sbi-card.html)

2. **Click on Apply Now**: “Apply Now” button pe click karo.

3. **Fill Application Form**: Personal details jaise naam, PAN, DOB, mobile number, aur professional details (occupation, company name) fill karo.

4. **KYC Verification**: Aadhaar, PAN, ya dusre documents ke saath KYC complete karo. Scanned copies upload karne pad sakte hain.

5. **Submit Application**: Form submit karo aur SBI team verification ke liye contact karegi.

6. **Card Delivery**: Approval ke baad, card 7-10 working days mein aapke address pe deliver ho jayega.[](https://www.paisabazaar.com/sbi-bank/cashback-sbi-card/)

**Pro Tip**: Application submit karne se pehle saare details double-check karo, kyunki galat information se approval mein delay ya rejection ho sakta hai.[](https://cleartax.in/s/sbi-cashback-credit-card)

## Important Documents for SBI Cashback Credit Card

SBI Cashback Credit Card ke liye aapko kuch basic documents submit karne honge. Inki list yahan hai:

- **Identity Proof**: Aadhaar Card, PAN Card, Driving License, Voter ID, ya Passport.

- **Address Proof**: Aadhaar Card, Utility Bills (electricity, telephone), Passport, ya Driving License.

- **Income Proof**: Latest 3 months’ bank statements, salary slips, ya audited ITR (Income Tax Return).[](https://groww.in/credit-card/sbi-cashback-credit-card)

- **Photograph**: Recent passport-size photo.

**Note**: Agar aapka current address KYC documents mein update nahi hai, toh Digilocker ke through self-declaration ke saath address change request kar sakte hain.[](https://www.sbicard.com/)

## Eligibility Criteria for SBI Cashback Credit Card

SBI Cashback Credit Card ke liye eligible hone ke liye yeh conditions puri karni hongi:

- **Age**: Applicant ki age 21 se 70 years ke beech honi chahiye.[](https://www.bankbazaar.com/credit-card/cashback-sbi-card.html)

- **Occupation**: Salaried ya self-employed individuals apply kar sakte hain.

- **Credit Score**: Acha credit score (preferably 750 ya usse zyada) hona chahiye.

- **Income**: Regular source of income hona zaroori hai, specific income limit SBI ke discretion pe depend karta hai.[](https://cleartax.in/s/sbi-cashback-credit-card)

## Additional Benefits of SBI Cashback Credit Card

Is card ke saath aur bhi kuch perks milte hain jo aapke experience ko aur behtar banate hain:

- **Balance Transfer on EMI**: Dusre bank ke credit card ka outstanding balance is card pe transfer karo aur low interest rate pe EMI mein pay karo.[](https://www.sbicard.com/en/personal/credit-cards/rewards/cashback-sbi-card.page)

- **Easy Bill Pay**: Electricity, mobile, telephone jaise utility bills easily pay kar sakte hain.[](https://select.finology.in/credit-card/sbi-cashback-credit-card)

- **Cash Withdrawal**: 1 million+ Visa ATMs se worldwide cash withdraw kar sakte hain (lekin ispe high interest charges lagte hain, so avoid karna better hai).[](https://www.paisabazaar.com/sbi-bank/cashback-sbi-card/)

- **Secure Transactions**: Contactless payments aur Visa network ke saath safe aur fast transactions.[](https://www.forbes.com/advisor/in/credit-card/reviews/sbi-cashback-credit-card-review/)

## Things to Keep in Mind

- **Cashback Limits**: Online aur offline spends pe combined cashback Rs. 5,000 per statement cycle tak limited hai. Is limit ke baad cashback nahi milega.[](https://www.forbes.com/advisor/in/credit-card/reviews/sbi-cashback-credit-card-review/)

- **Exclusions**: Fuel, rent, utilities, insurance, jewelry, education, aur wallet loads jaise categories pe cashback nahi milta.[](https://www.cardexpert.in/sbi-cashback-credit-card-review/)

- **Annual Fee**: Rs. 999 + GST joining aur annual fee hai, jo Rs. 2 lakh annual spend pe waive ho sakti hai.[](https://select.finology.in/credit-card/sbi-cashback-credit-card)

- **No Lounge Access**: Pehle is card pe complimentary airport lounge access tha, lekin ab ye benefit nahi hai.[](https://www.forbes.com/advisor/in/credit-card/reviews/sbi-cashback-credit-card-review/)

## FAQs About SBI Cashback Credit Card

**Q1. SBI Cashback Credit Card pe kitna cashback milta hai?**  

A: Aapko har online purchase pe 5% cashback aur offline spends pe 1% cashback milta hai. Max cashback Rs. 5,000 per statement cycle hai.[](https://www.bankbazaar.com/credit-card/cashback-sbi-card.html)

**Q2. Kya is card pe koi joining benefit hai?**  

A: Abhi SBI Cashback Credit Card pe koi welcome benefit nahi hai, lekin kuch platforms jaise CashKaro Rs. 1,500 rewards de sakte hain card activation pe.[](https://www.forbes.com/advisor/in/credit-card/reviews/sbi-cashback-credit-card-review/)[](https://cashkaro.com/stores/sbi-cashback-card)

**Q3. Annual fee kaise waive kar sakte hain?**  

A: Agar aap ek saal mein Rs. 2 lakh spend karte hain, toh Rs. 999 ki annual fee waive ho jati hai. Ya phir SBI customer care se request karke bhi fee waive karne ki try kar sakte hain.[](https://cardmaven.in/sbi-cashback-credit-card-review/)

**Q4. Kya ye card beginners ke liye acha hai?**  

A: Haan, iska simple cashback structure aur no merchant restrictions isse beginners ke liye ek great option banate hain.[](https://www.cardexpert.in/sbi-cashback-credit-card-review/)

**Q5. Kya categories cashback ke liye excluded hain?**  

A: Haan, fuel, rent, utilities, insurance, jewelry, education, aur wallet loads pe cashback nahi milta. Poora list www.sbicard.com/CashbackCardTnC pe check kar sakte hain.[](https://www.sbicard.com/en/personal/credit-cards/rewards/cashback-sbi-card.page)

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## Conclusion

SBI Cashback Credit Card ek aisa card hai jo online shoppers aur daily spenders ke liye perfect hai. 5% cashback on online spends aur 1% on offline spends ke saath, ye card har swipe pe savings deta hai. Iske simple rewards system aur global acceptance ke wajah se ye beginners se lekar experienced cardholders tak ke liye ek must-have hai. Bas exclusions aur cashback cap ka dhyan rakho, aur apne spends ke hisaab se iska maximum fayda uthao

Toh kya soch rahe ho? Jao, www.sbicard.com pe apply karo aur apni shopping ko aur rewarding banao! Agar koi sawal ho, toh comment mein pooch sakte ho. Happy shopping! 😊