All Cards
rupayclassiccredit
Cashback SBI Credit Card
SBI Card
shoppingfood
Annual Fee
₹999
Joining Fee
₹999 + GST
Base Reward
1% cashback
Foreign Markup
3.5% of the international transaction
Fee Waiver
Waived on ₹2L annual spend
Interest Rate
3.75% per month
Product Highlights
- 5% cashback on every online transaction
- 1% cash back on every offline transaction
- Spend-based annual fee waiver
- 1% fuel surcharge waiver capped at ₹100 per month
Rewards
5% Cashback for Online Spends. 1% Cashback for Offline Spends.
Redemption
Cashback earned with the card will be automatically credited to next month’s statement.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5% Cashback Online) | No cap |
other | 1%(1% Cashback Offline) | No cap |
Benefits & Features
1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at petrol pumps across India.
Fees & Charges
Annual Fee₹999
Joining Fee₹999 + GST
Fee WaiverWaived on ₹2L annual spend
Foreign Markup3.5% of the international transaction
Interest Rate3.75% per month
Cash Advance2.5% of the amount withdrawn or a minimum charge of ₹500.
Redemption Fee₹99
Eligibility
Min Age
21 years
Max Age
65 years
Available Networks
rupay
Pros & Cons
Pros
- Decent 5% cashback on online and 1% cashback on offline spends.
- The monthly cashback cap of ₹5,000 is high when compared to other cashback cards.
- Great for online spendings as most cashback cards don’t offer 5% back.
Cons
- Several categories excluded from 1% cashback.
- Hard to reach the spend-based waiver as many major spend categories don’t accrue cashback.
- Complimentary lounge access has been discontinued.
Additional Info
Maximum Cashback of ₹5,000 in a Statement Cycle.
Excluded Categories
jewelryrentalwalletfuelschool and educational servicesinsurance servicesutilitiesrailwayscardgiftnovelty & souvenir shopsquasi cash/member financial institution