SBI Cashback Credit Card Eligibility

In today's blog, we will provide you with the information about SBI Cashback Credit Card Eligibility, welcome rewards, cashback rate, and more.

The SBI Cashback Credit Card is designed for individuals who do more online shopping and appreciate receiving something back with every purchase. Instead of dealing with reward points or complicated redemption systems, this card offers direct cashback, making the benefit simple, clear, and easy to use. Every time you shop, especially online, you’re rewarded with a percentage of your spending returned to you, making it a smart choice for the digital shopper.

If you’re someone who regularly orders food, shops for clothes, picks up gadgets, or books trips online, this card fits right into your lifestyle. You get a better cashback rate when you shop online, so you save more on the things you’re already buying anyway. And even when you swipe it in stores, you still get a little something back, making every purchase feel just a bit more rewarding.

Eligibility for the card activation:

Age: 21 years to 65 years.

Occupation: Salaried or self-employed with a s stable source of income.

Credit Score: Good credit history is generally preferred.

Documents required:

Proof of identity (PAN card, Aadhaar card, etc.).

Proof of address (driving license, passport, voter ID card, utility bills, etc.).

Proof of income (latest salary slips or ITRs)

What Is The Cashback Rate of SBI Cashback Credit Card?

• 5% cashback on online spending without any kind of merchant restriction.  (maximum cashback of Rs 5,000 per month).

• 1% cashback on all offline spends. One of the best credit card for online shopping as there is no merchant restriction and a very high cashback rate: 5%.

What Are The Fees And Charges of SBI Cashback Credit Card?

• Joining fees: INR 999 + Taxes

• Annual fees: INR 999 + Taxes

• Cash advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

• Late payment fees: Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000.

• Interest charges: Up to 3.50% per month (42% per annum) from the transaction date.

  
  

How To Apply For SBI Cashback Credit Card?

You can apply for the SBI Cashback Credit Card in 3 major ways:

1. Online:

• This is the quick and easy method.

• Visit the SBI Card website.

• Choose the "Credit Cards" tab and go to the SBI Cashback Credit Card.

• Click on the "Apply Now" button and fill out the application form with all your details.

• Upload the requisite documents, such as identity proof, proof of address, and proof of income.

• Submit the application form.

2. Offline:

• This method requires visiting a physical SBI branch.

• Ask for the SBI Cashback Card application form.

• Fill out the form with all of the required details.

• Attach the required documents.

• Submit the application form to the bank representative.

3. By Phone:

• Contact the SBI Card customer care helpline at 1860-180-1290 or 3902-0202.

• Request for an SBI Cashback Credit Card application form.

• The bank will send you the form by courier.

• Fill out the form with your details.

• Attach the required documents.

• Send the completed application form back to the bank.

  
  

Contact Details

1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)

What Are The Pros And Cons Of Having SBI Cashback Credit Card?

Pros:

• Users will get 5% cashback on online shopping for most websites and apps.

• 1% cashback on offline shopping in any shopping store.

• Cashback goes straight to your card, no need to claim or convert points.

• The annual fee can be waived if you spend INR 2 lakh in a year.

• Fuel surcharge waiver on petrol purchases.

• Can use EMI and balance transfer features to manage payments.

Cons:

• Users can earn cashback only up to INR 5,000 per month.

• In this card some things don’t give cashback, like rent, insurance, utilities, EMI, and a few others.

• No airport lounge access or travel perks.

• No welcome bonus or special festival discounts.

Network type- Visa Platinum

• Good fit for mass-market cards: Platinum offers solid benefits without the high network fees of premium tiers like Signature or Infinite, which helps keep costs lower.

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• Wider acceptance: cardholders can use a Visa card all over India and abroad, making it easy to use.

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• Extra perks for customers: Visa Platinum offers things like global customer assistance, roadside dispatch, and certain travel/lifestyle deals, taking care of cashback rewards.

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• Target audience match: This card is aimed at individuals who shop online more than they take flights. Platinum benefits match that profile without overpricing the annual fee.

Conclusion:

The SBI Cashback Credit Card is designed to maximize online shopping with more benefits and rewards without any complications. Users will get straight 5% cashback on online shopping and 1% on offline shopping. This cashback will automatically be credited to your account; you don't need to take stress for your rewards. 

Its annual fee is fair, and even that can be waived if you hit the spending target for the year. While it doesn’t come with high-end travel perks like airport lounge access or hotel benefits, it focuses on what many people actually use the most, everyday online transactions. The wide acceptance of the Visa Platinum network means you can use it anywhere in India and abroad, and the Visa network will give you protection and better services. 

SBI Bank:

State Bank of India (SBI) a Fortune 500 company, is an Indian Multinational, Public Sector Banking and Financial services statutory body headquartered in Mumbai. The rich heritage and legacy of over 200 years accredit SBI as the most trusted Bank by Indians through generations.

We are the largest banking and financial services organization in India, with an asset base of over Rs. 61 trillion. We serve over 50 crore customers through our vast network of over 22,500 branches, 63,580 ATMs/ADWMs, 82,900 BC outlets, with an undeterred focus on innovation and customer centricity, which stems from the core values of the Bank - Service, Transparency, Ethics, Politeness, and Sustainability.

The Bank has successfully diversified businesses through its various subsidiaries i.e, SBI General Insurance, SBI Life Insurance, SBI Mutual Fund, SBI Card, etc. It has spread its presence globally and operates across time zones through 241 offices in 29 foreign countries.

Growing with the times, SBI continues to redefine banking in India, as it aims to offer responsible and sustainable Banking solutions.

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