✓ Verified Mar 2026Fees: T1Rewards: T1
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SBI

SBI Cashback Credit Card

VisaMidCashback
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Annual Fee

₹999

Reward Type

Cashback

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹999
Annual Fee₹999

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

online all3%(cap ₹5,000)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkDreamFolks

India-Specific

Fuel Surcharge✓ 1% waiver

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⚠️ Last devaluation: September 2024

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 1%, you need to spend ₹99,900 annually.

🎯 Pro Tips

  • ▸Earn 5% cashback on online shopping, up to ₹500 per month.
  • ▸Earn 2% cashback on groceries and dining, up to ₹500 per month.
  • ▸Earn 1% cashback on all other spends.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹17,001

Effective Rate

1.4%

Ranked #40 of 173 cards#40

₹999 annual fee deducted from gross rewards value.

🏷️ Best For

cashbackshopping