SBI Cashback
Pure online cashback — 5% on any online merchant, no partner restrictions.
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5-year value calculator
How much SBI Cashback actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
Cashback offsets joining fee on first ₹999+ spend
What you get
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What 1 SBI Cashback point is actually worth
Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for SBI Cashback:
Statement creditBest
Cashback redeems 1:1 as statement credit. No transfer partners.
Sweet spots & gotchas
- ✓5% on all online merchants (capped at ₹5K/mo cashback). Simple cashback, no transfer-partner play.
Best SaaS to pay with the SBI Cashback
The SaaS subscriptions where SBI Cashback earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹12,240/yr.
Trello
5% rewards on productivity category — better than the 1% default.
PostHog
5% rewards on marketing category — better than the 1% default.
Notion
5% rewards on productivity category — better than the 1% default.
Monday.com
5% rewards on productivity category — better than the 1% default.
Mailchimp
5% rewards on marketing category — better than the 1% default.
Klaviyo
5% rewards on marketing category — better than the 1% default.
More cards in India
HDFC Millennia
HDFC Bank
Online shoppers spending ₹15K–50K/month
SBI SimplyClick
SBI Card
First card for online buyers, low entry fee
Axis ACE
Axis Bank
Bill payments + utilities + fuel — set-and-forget cashback