SBI Shopping 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

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.

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

1.66% reward (10X) on the following card spends - departmental stores || groceries || dining || movies 

• Earn 6.6 reward points worth ₹1.6, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

0.16% reward (X) on all other card purchases 

• Earn 0.6 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

Fuel surcharge waiver up to ₹100 per month, valid only on fuel purchases between ₹500 and ₹3000

2.50% reward (10X) on select online partners – Myntra (fashion) || Cleartrip, Yatra (travel) || Dominos (dining) || BookMyShow (movies) || Apollo24×7, Netmeds (health & medicine) || IGP

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend at these partners.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

1.25% reward (5X) on all other online purchases up to ₹2 lakhs per month 

• Earn 5 reward points worth ₹1.25 (1 rupee & 25 paise), on every ₹100 you spend on all other online purchases.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

0.25% reward (X) on all other card purchases: Earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.

Up to 2% additional reward, based on annual card spending (milestone privileges)

• Get ₹2000 Cleartrip/Yatra voucher, at ₹1 lakh yearly online card spend - 2% reward
• You get an additional ₹2000 Cleartrip/Yatra voucher (total ₹4000 vouchers), at ₹2 lakhs yearly online spend - 2% reward

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

Up to 7.9% reward at participating Reliance Retail Stores

• 5% reward on AJIO & JioMart Online Stores, 2.50% reward on other Reliance stores 
• Up to 2.9% additional reward based on annual card spends at  Reliance stores

1.25% benefit on dining, movies & entertainment, domestic airlines, international spends

• You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.50% benefit on all other card spends

• You earn 2 reward points worth ₹0.50(50 paise), on every ₹100 you spend on all other spends.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
• Exceptions: No reward points are given on following card spends – fuel, property rental, wallet upload.

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary international airport lounge access – 4 times per year (maximum 2 times per quarter)

Complimentary domestic airport lounge access – 2 times per quarter

Movie benefits at Book My Show, up to ₹3000 per year : You get 1 complimentary movie ticket each month, up to ₹250.

Up to 5.3% reward at participating Reliance Retail Stores

• 2.50% reward on AJIO & JioMart Online Stores, 1.25% reward on other Reliance stores 
• Up to 2.8% additional reward based on annual card spends at  Reliance stores 

Participating Reliance Stores include-

• Fashion : Ajio, Trends, Trends Footwear, Trends Man, Trends Woman, Trends Junior, Centro, Zivame, Centro Footwear
• Grocery : Smart Bazaar, Smart Point, Smart, Metro, Bismi Hypermart, Milkbasket, Freshpik
• Consumer electronics : Reliance Digital, JioMart Digital, MyJio stores, Jio Point, Bismi Connect
• Consumer marketplace : JioMart
• Home and living : Urban Ladder, Portico
• Pharma : Netmeds Pharmacy, NetMeds.com

1.25% benefit on the following spend categories –  dining || movies 

• You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.25% benefit on all other card spends

• You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card transactions.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
• Exceptions : No reward points are given on following card spends – fuel, property rental, wallet upload.

Special discounts up to 5%, at participating Reliance Retail Stores

Fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹4000

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

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

3% reward on Tanishq spends

• Earn ₹3 (in vouchers), on every ₹100 spent at Tanishq
• Maximum amount of vouchers given is ₹25,000 per quarter, which is breached when you spend ₹8.33 lakhs in a quarter

5% cashback on Mia, Caratlane & Zoya spends 

• Earn ₹5 as cashback, on every ₹100 spent at these outlets
• Maximum amount of cashback given is ₹10,000 per quarter, which is breached when you spend ₹2 lakhs in a quarter

7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata spends

• Earn ₹7.50 as cashback, on every ₹100 spent at these outlets
• Maximum amount of cashback given is ₹10,000 per quarter, which is breached when you spend ₹1.33 lakhs in a quarter

1.50% reward on all other card spends

• Earn 6 reward points worth ₹1.50, on every ₹100 spent 
• 1 reward point = ₹0.25, and can be redeemed against a wide variety of Titan vouchers
• Important exclusions: No reward points are given on fuel, wallet upload, property rental, utilities

Up to 1.50% additional reward, at annual card spend of ₹10 lakhs

• Earn gift vouchers worth ₹5000, at ₹5 lakh annual card spend - 1% reward
• Earn gift voucher worth ₹10,000 (total ₹15000 in gift vouchers), at ₹10 lakh annual card spend - 1.50%

Complimentary visits to international airport lounges - 4 times per year (maximum 2 times per quarter). This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

1% fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions up to ₹3000