Looking for the best cashback credit card in India? Read our detailed SBI Cashback Credit Card review 2025. Get 5% cashback on online spends, 1% on offline, and learn how to apply online step by step.

SBI Cashback Credit Card Review 2025: Benefits, Fees & Step-by-Step Apply Guide

If you’re searching for a powerful all-in-one cashback credit card, the SBI Cashback Credit Card can be one of the best choices in 2025. I have personally been using this card for almost a year now, and it has already helped me save around ₹7,000–₹8,000 on my shopping.

The biggest highlight of this credit card is its direct cashback on every spend, which makes it an ideal option for online shoppers. Let’s explore its benefits, fees, and how you can apply for it online.

Key Benefits of SBI Cashback Credit Card

✅ 5% Cashback on Online Spends
Whenever you shop online through any website using this card, you get a flat 5% cashback directly credited to your SBI Credit Card statement.

✅ 1% Cashback on Offline Spends
For all offline transactions, you earn 1% cashback—making it useful for everyday expenses.

✅ Annual Fee Waiver

• Annual Fee: ₹999 + 18% GST
• Waived off if you spend ₹1,00,000 or more in a year.

✅ Direct Statement Credit
Cashback is automatically adjusted in your card statement, saving you money instantly.

✅ High Savings Potential
With regular usage, you can easily save ₹8,000–₹10,000 annually, making it one of the best cashback credit cards in India.

SBI Cashback Credit Card Fees & Charges

• Joining Fee: ₹999 + 18% GST
• Annual Fee: ₹999 + 18% GST (waived on annual spends of ₹1 lakh)
• Interest Charges: Standard SBI Credit Card rates apply

Even though there is a joining fee, you can easily recover it within the first few months of usage due to high cashback rewards.

How to Apply for SBI Cashback Credit Card Online (Step-by-Step)

Applying for this card online is quick and simple. Follow these steps:

1. Visit SBI Card Website – Go to the official SBI Card site.
2. View Benefits – Check cashback details before applying.
3. Select Card Variant – Choose between Visa or MasterCard.
4. Enter Personal Details – Name, mobile number, PAN, DOB, city, and email ID.
5. Verify with OTP – Receive and confirm OTP on your mobile.
6. Enter Professional Details – Job or business details, company name, designation, and work address.
7. Complete eKYC – Use Aadhaar and Digilocker for instant verification.
8. Confirm Residential Address – Ensure your card is delivered to the correct address.
9. Video KYC – Connect with SBI executive through video call to show PAN card and verify details.
10. Card Approval & Delivery – Once approved, the physical card will be delivered to your address within 5–7 working days.

Why Choose SBI Cashback Credit Card?

• Best for online shopping lovers
• Simple cashback mechanism (no reward points confusion)
• High approval rate in 2025
• Perfect for those who shop frequently on Flipkart, Amazon, Myntra, and other online stores

Final Verdict

The SBI Cashback Credit Card is truly an all-in-one credit card for both online and offline spends. With 5% cashback on online transactions and a waiver of annual fee on ₹1 lakh yearly spends, it ensures real money savings.

If you’re someone who shops online regularly, this card can help you save thousands every year.

Apply online today and enjoy hassle-free cashback rewards!