SBI Cashback Credit Cards in India 2026

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

• Rent/property management
• Fuel purchases
• Utility bills
• Insurance payments
• Wallet loads
• School & educational services
• Jewelry purchases
• Railway bookings
• EMI transactions
• Standing instructions
• Cash advances
• Balance transfer
• Non-customer-initiated spending like annual fees, late fees, and other fees & charges
• Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

• ₹5,000 combined across all spending categories. 
• Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

5% reward on Paytm travel bookings: Earn 5 reward points worth ₹5, on every ₹100 you spend in these categories (no limit on reward points)

2% reward on all other Paytm spends: Earn 2 reward points worth₹2, on every ₹100 you spend on all other Paytm transactions (no limit on reward points)

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• Important exclusions: Reward points are not given on rent transactions, wallet loads and fuel purchases.

Reward points are converted and credited as Paytm vouchers, in your Paytm Wallet

Up to 0.6% additional reward based on yearly card spend targets (milestone benefits)

• Earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend - 0.50% benefit
• Earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend - 0.66% benefit
• You can choose between gift vouchers of Hush Puppies/Bata OR Pantaloons

Complimentary access to airport lounges in India - 1 time per quarter 

Free Priority Pass membership worth US $99, for international airport lounges 

• You get free Priority Pass membership for the first 2 years
• While the Priority Pass membership is free, you need to pay for each visit to the lounge (US $35 per visit, please refer to Priority Pass website for latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card

1% fuel surcharge waiver at all fuel stations up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

7% cashback on all Ola rides

• Get 7 reward points worth ₹7, on every ₹100 you spend on Ola rides
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet. You can use OlaMoney to pay for everything starting from your cab fares, mobile bills, DTH recharges, electricity & gas bills, and for online shopping. Some of the premium partners include BookMyShow, eBay, Dominos, Cleartrip, and OYO Rooms.

1% cashback on all other card spends

• 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet.

Fuel surcharge waiver, up to ₹100 per month

2.50% cashback on departmental store, grocery, and dining spends

• 10 reward points worth ₹2.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.
• Monthly limit - 10,000 reward points, reached at ₹1 lakh monthly spending

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
• Important exclusions: No reward points are given on fuel, utilities, rent, wallets, education, jewelry, gaming platforms, government spends

Up to 1.50% additional cashback based on annual card spending (milestone privileges program)

• You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend (0.8% reward)
• You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend (1.25% reward)
• You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend (1.75% reward)
• You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend (1.5% reward)
• Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.

Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback

Complimentary domestic airport lounge access – 8 times per year (maximum 2 times per quarter)

Complimentary international airport lounge access – 6 times per year (maximum 2 visits per quarter)

• The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
• You get complimentary Priority Pass membership worth US$ 99
• You also get 6 free airport lounge visits per year (maximum 2 visits per quarter)

2 free movie tickets (up to ₹250 each) every month through Bookmyshow

• To avail this offer, you need to book at least 2 movie tickets.
• For example, if you book 2 tickets costing ₹250 each, you will get a ₹500 discount and pay only the convenience fee.
• Hence, you can get free movie tickets worth ₹6,000 every year (₹500 per month).

Low fee of 1.99% on international spends 

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4000

Fraud liability cover: You get a complimentary credit card fraud liability cover of ₹1 lakh.

3% reward on following Paytm spends - travel tickets (flights, train & bus) || shopping at Paytm Mall || movie tickets

• Earn 3 reward points worth ₹3, on every ₹100 you spend in these categories
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

2% reward on all other Paytm spends 

• Earn 2 reward points worth ₹2, on every ₹100 you spend on all other Paytm transaction
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.
• Exception: No reward points are given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

Complimentary FITPASS PRO membership: 12 free monthly gym sessions || personalised fitness coaching || access to expert nutritionists

You get a free annual FITPASS PRO Membership, which gives you access to 3 memberships for all aspects of your fitness journey-

• FITPASS – 12 complimentary gym sessions per month (maximum 3 per week), across gyms and fitness centers
• FITCOACH – personalized fitness coaching routines, through FITPASS mobile application
• FITFEAST – access to expert nutritionists for personalized diet plans, through FITPASS mobile application

Complimentary Netmeds First membership worth ₹499 

• 6 free doctor consultations, talk to any specialist doctor for free
• Unlimited free delivery on orders above ₹99
• Additional 2% cashback (up to ₹100 in NMS Cash), on every ‘prepaid order of medicines
• Additional 10% discount (up to ₹100) on lab tests, in addition to existing offers

Complimentary airport lounge access in India – 2 per quarter

2.50% cashback on following spends - chemist || pharmacy || sports || dining spends || movie spends

• You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback

Up to 0.37% additional benefits at ₹4 lakh annual card spend (milestone benefits): Netmeds gift voucher worth ₹1500, at ₹4 lakh annual card spend - 0.37% benefit

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary insurance benefits – for unauthorised use of your credit card: Complimentary ₹1 lakh coverage, for protection against fraudulent transactions or unauthorised use of your credit card

Complimentary insurance benefits – related to air travel

• Coverage of up to $1000, in case of loss of checked-in baggage while travelling.
• Compensation of ₹7500, in case of any delays in receiving your checked-in baggage.
• Coverage of up to ₹12500, in case of loss of essential travel documents.
• Protection up to ₹7500, for flight delays

2.50% cashback on departmental store, grocery purchases, movie & dining spends

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback
• Monthly limit: 7500 reward points, reached at ₹7500 monthly spending 

0.50% cashback on all other credit card spends 

• Earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.
• Exceptions: No reward points are given on the following card spends - fuel, rent, government transactions.

Up to 2.2% additional reward through milestone benefits

• Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend - 2% benefit
• Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend - 1.4% benefit
• Hence you could earn vouchers worth ₹11000 if you achieve all the above quarterly spend targets, as well as the annual card spend target of ₹5 lakhs - 2.2% benefit

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 4 times per year (maximum 2 per quarter)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary credit card fraud liability cover of ₹1 lakh: This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders

10% cashback on PhonePe transactions (including recharges, bills, insurance, travel). 

• Monthly limit: ₹2000 cashback, ₹20,000 spending

5% cashback on online spend 

• Monthly limit: ₹2000 cashback, ₹40,000 spending

1% cashback on UPI transactions (RuPay variant only)

• Monthly limit: ₹2000 cashback, ₹2 lakh spending

4 free domestic airport lounge visits per year

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500-₹4,000

7.5% cashback on Myntra purchases 

• Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart, Cleartrip 

• Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% cashback on Zomato, Uber, PVR and Netmeds

• Quarterly Cashback Limit: ₹4000, reached at ₹1 lakh spending 

1% cashback on all other eligible purchases (no cap)

• Important exclusions: No rewards on Fuel Spends, Wallet Load, Gift or prepaid card load, Voucher purchase, Cash Advance, Payment of outstanding balance, Payment of card fees and other charges, Rental and Govt. related Transactions, Education payments, Jewelery, Insurance, Gaming, EMI Spends

1% fuel surcharge waiver up to ₹400 per month

Welcome vouchers worth ₹1,250 

• ₹250 Flipkart voucher 
• Limited-time ₹500 each from Flipkart and Cleartrip)

Minimum monthly income 

• ₹15,000 (salaried) 
• ₹30,000 (self-employed)