SBI Cashback Credit Card
By CardKiBaat Research Team
• Published Jul 1, 2026 • Updated Aug 4, 2026
"King of Flat 5% Cashback without merchant restrictions."
9.6
/10
CKB Score™
CardKiBaat's transparent, multi-dimensional card rating.
Rewards
5.0
Transparency
6.0
Value
7.0
Eligibility
9.0
Hidden Charges Meter™
Some Conditions
View 2 hidden conditions
- 5% cashback does NOT apply to utility bills, insurance, rent, fuel, or wallet loads.
- Maximum 5% cashback is capped at ₹5000 per month (requires ₹1 Lakh spend).
The Good (Pros)
- Flat 5% Cashback on ANY online spend (not just Amazon/Flipkart).
- Cashback is automatically credited to your next month's statement. No manual redemption needed.
The Bad (Cons)
- No airport lounge access included.
- Annual fee is ₹999 + GST, and the waiver threshold is a massive ₹2 Lakhs.
The BS (Hidden Catches)
What the influencers and banks hide in the fine print:
- 5% cashback does NOT apply to utility bills, insurance, rent, fuel, or wallet loads.
- Maximum 5% cashback is capped at ₹5000 per month (requires ₹1 Lakh spend).
The Math (Net Return)
Spending ₹10,000/month online earns ₹500 cashback. Annual = ₹6,000. Fee = ₹1179. Net pure profit = ₹4,821/year without doing any extra work.
Who Should Apply?
Minimum Income ₹40,000/month. Best for people who hate point conversions.
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