SBI Cashback Credit Card: Sabse Sasta aur Rewarding Card! 💳
Kya aap ek aisa credit card dhoondh rahe hain jo har kharch par rewards de aur aapke wallet ko bhare? Toh "SBI Cashback Credit Card" aapke liye perfect hai! Yeh card online shopping ke deewano ke liye ek jackpot hai, kyunki yeh har online transaction par "5% cashback" deta hai, aur offline kharchon par bhi "1% cashback" milta hai. Iske alawa, yeh card super easy hai apply karne ke liye aur iski fees bhi pocket-friendly hai. Chalo, is card ke baare mein detail mein jaan lete hain aur dekhte hain kyun yeh aapki shopping ka best dost ban sakta hai!
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SBI Cashback Credit Card Kya Hai? 🧐
SBI Cashback Credit Card, State Bank of India (SBI) ka ek popular cashback-focused credit card hai jo online aur offline shopping ke liye banaya gaya hai. Yeh card aapko har swipe ya tap par cashback deta hai, aur iski sabse badi khasiyat hai "no merchant restrictions" – matlab aap kisi bhi online platform par kharch karein, cashback pakka! Iski simplicity aur high cashback rate isse market ke top cashback cards mein se ek banati hai.
Key Features of SBI Cashback Credit Card
5% Cashback: Har online purchase par 5% cashback, chahe Amazon ho, Flipkart ho, ya Zomato!
1% Cashback: Offline shopping ya dining par 1% cashback.
Fuel Surcharge Waiver: Rs. 500 se Rs. 3,000 ke fuel transactions par 1% surcharge waiver (max Rs. 100 per statement cycle).
Contactless Payments: Tap-and-pay feature for quick and secure transactions up to Rs. 5,000.
Global Acceptance: 24 million+ outlets worldwide aur 3.25 lakh outlets in India mein VISA platform par accepted.
Auto-Credited Cashback: Cashback 2 working days mein statement generate hone ke baad aapke account mein automatically credit ho jata hai.
Annual Fee Reversal: Rs. 2 lakh annual spend karne par Rs. 999 ki renewal fee waive ho jati hai.
Note: Cashback cap hai Rs. 5,000 per statement cycle, aur kuch categories jaise fuel, rent, insurance, aur utility bills par cashback nahi milta. Poori list ke liye [SBI Card T&C](https://www.sbicard.com) check karein.
SBI Cashback Credit Card Ke Fayde 💸
Yeh card kyun itna popular hai? Kyunki yeh aapke har kharch ko aur bhi rewarding banata hai! Aaiye dekhein iske top benefits:
Online Shoppers Ka Dost: Agar aap Amazon, Flipkart, Myntra, ya Swiggy par kharch karte hain, toh 5% cashback aapki savings badha deta hai.
Hassle-Free Cashback: Reward points track karne ka jhanjhat nahi – cashback directly aapke account mein!
Low Fees: Joining aur annual fee sirf Rs. 999 + GST, aur agar aap Rs. 2 lakh spend karte hain toh renewal fee waive ho jati hai.
Utility Bill Payments: Electricity, mobile, aur telephone bills ko Easy Bill Pay feature se pay karke time aur paise dono bachayein.
Balance Transfer on EMI: Dusre bank ke credit card ka outstanding balance low interest rate par transfer kar sakte hain.
SBI Cashback Credit Card Ke Liye Kaise Apply Karein? 📝
SBI Cashback Credit Card apply karna ekdum asaan hai, aur yeh poori tarah digital process hai! Aap ghar baithe "SBI Card SPRINT" platform ke through apply kar sakte hain. Niche step-by-step guide hai:
1. Visit SBI Card Website: [www.sbicard.com](https://www.sbicard.com) par jayein aur “Credit Cards” section mein “Cashback SBI Card” select karein.
2. Click on Apply Now: “Apply Now” button par click karein.
3. Fill Application Form: Personal details (name, PAN, DOB, mobile number), professional details (occupation, company name), aur city of residence enter karein.
4. KYC Verification: Aadhaar, PAN, ya other KYC documents upload karein.
5. Submit Application: Form review karke “Submit” karein.
6. Verification Call: SBI team aapko verification ke liye call karegi.
7. Card Delivery: Approval ke baad card 7-10 working days mein aapke address par deliver ho jayega.
Pro Tip: Application ke waqt saare details sahi bharo, nahi toh delay ho sakta hai ya application reject bhi ho sakti hai!
Important Documents for SBI Cashback Credit Card 📄
Card apply karte waqt aapko kuch documents ready rakhne honge. Yeh list hai:
- Identity Proof: Aadhaar Card, PAN Card, Voter ID, Driving License, ya Passport.
- Address Proof: Aadhaar Card, Utility Bills (electricity, telephone), Passport, ya Rental Agreement.
- Income Proof: Latest 3 months’ salary slips, bank statements, ya audited ITR (self-employed ke liye).
- Photograph: Recent passport-size photograph (online upload ke liye digital copy).
Note: Documents current date tak valid hone chahiye. Agar KYC details mein koi change hai, toh update karke submit karein.
SBI Cashback Credit Card Ke Liye Eligibility Criteria ✅
SBI Cashback Credit Card ke liye eligible hone ke liye aapko yeh criteria meet karne honge:
- Age: Primary cardholder ki umar 21 se 70 saal ke beech honi chahiye.
- Income: Stable aur verifiable income source (salaried ya self-employed).
- Credit Score: Good credit score, preferably 750 ya usse zyada.
- Nationality: Indian resident ya NRI (specific cases mein).
Agar aapka credit score low hai, toh pehle usse improve karein – timely bill payments aur low credit utilization se score badh sakta hai.
SBI Cashback Credit Card Ke Limitations 🚫
Har card ke apne pros aur cons hote hain. SBI Cashback Card ke kuch limitations yeh hain:
Cashback Cap: Rs. 5,000 per statement cycle se zyada cashback nahi milta.
Exclusions: Fuel, rent, insurance, utility bills, jewelry, aur education payments par cashback nahi.
No Lounge Access: Pehle yeh card airport lounge access deta tha, lekin ab yeh benefit nahi hai.
Cash Withdrawal: Card se cash withdraw karna costly hai kyunki interest-free period nahi milta aur high finance charges lagte hain.
SBI Cashback Credit Card Vs. Other Cards 🆚
SBI Cashback Card ko samajhne ke liye iski comparison kuch popular cards se:
| **Card** | **Online Cashback** | **Offline Cashback** | **Annual Fee** | **Key Benefit** |
|-------------------------|---------------------|----------------------|----------------|-------------------------------------|
| SBI Cashback Card | 5% | 1% | Rs. 999 | No merchant restrictions |
| Axis ACE | 5% (select merchants)| 2% | Rs. 499 | Google Pay par 5% cashback |
| Amazon Pay ICICI Card | 5% (Prime members) | 1% | No fee | Amazon-focused benefits |
Verdict: Agar aap all-purpose online shopping card chahte hain bina merchant restrictions ke, toh SBI Cashback Card best hai. Lekin agar aap specific platforms (jaise Amazon ya Google Pay) use karte hain, toh doosre cards better ho sakte hain.
FAQs About SBI Cashback Credit Card ❓
1. SBI Cashback Credit Card ka annual fee kitna hai?
Annual fee Rs. 999 + GST hai, lekin agar aap Rs. 2 lakh annual spend karte hain toh renewal fee waive ho jati hai.
2. Cashback kab credit hota hai?
Cashback statement generate hone ke 2 working days ke andar aapke account mein auto-credited ho jata hai.
3. Kya yeh card Amazon aur Flipkart par 5% cashback deta hai?
Haan, Amazon, Flipkart, aur other major e-commerce platforms par 5% cashback milta hai, jab tak transaction eligible category mein ho.
4. Kya add-on cards ke liye extra fee lagti hai?
Nahi, add-on cards (family members ke liye) free mein issue hote hain.
5. SBI Cashback Card ka maximum cashback limit kya hai?
Per statement cycle Rs. 5,000 tak cashback mil sakta hai.
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Why Choose SBI Cashback Credit Card? 😎
Agar aap ek beginner ho ya phir online shopping ke shaukeen ho, toh SBI Cashback Credit Card aapke liye ekdum perfect hai. Iski high cashback rate, easy application process, aur low maintenance fees isse ek must-have card banati hain. Toh der kis baat ki? Abhi apply karein aur har swipe par savings shuru karein!
Final Tip: Card ke terms and conditions zaroor padhein aur apne spending habits ke hisaab se iska maximum fayda uthayein!
Sources: Yeh article aapko kaisa laga? Koi sawal ya suggestion ho toh comment mein batayein! Aur agar aapne SBI Cashback Card ke liye apply kiya hai, toh apna experience share karna na bhooliyein! 😊
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