SBI Cashback Credit Cards in India 2026

2.50% cashback on departmental store purchases || grocery purchases || dining spends
– You earn 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 for cashback.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
– Exception : No reward points are given on fuel purchases

Upto 1.50% additional cashback – on achieving 4 yearly credit card spend targets (milestone privileges program)
– You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend
– You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend
Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.
(1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback)

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

Complimentary visits to airport lounges outside India – 6 times per year
– 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 get 6 free airport lounge visits per year (maximum 2 visits per quarter)

Low fee of 1.99% on international spends 

Complimentary Club Vistara Silver membership, benefits include-
– 1 complimentary upgrade voucher
– Priority airport check-in, at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership 
– Upon registration, you receive 1000 bonus welcome points.
– 10% instant saving on bookings made through the hotel website.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent

1 complimentary movie ticket (upto ₹250) at Bookmyshow - 2 times per month
– You need to book at least 2 movie tickets, at one time
– 2nd movie ticket is free, upto ₹250
– Offer is valid 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

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

Benefits
– Attractive reward rate on department store, grocery and dining spends, especially if you utilise the milestone privileges program.
– Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends.
– Attractive travel benefits like complimentary airport lounge access in India and abroad, low foreign exchange conversion fee, complimentary Club Vistara Silver membership.
– Easy redemption of reward points, since reward points can be converted to cashback and paid into your monthly card statement.
– 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.

Drawbacks to consider
– High annual card spend target of ₹10 lakhs, to get annual fee waiver.
– Reward rate on travel spends is low, hence frequent travellers may need to look at other premium travel cards.

5% cashback on all online spends || 1% cashback on all other card spends
– You earn ₹5 cashback, on every ₹100 you spend on online transactions || You earn ₹1 cashback, on every ₹100 you spend on all other card transactions.
– Exceptions : No cashback is given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5000 per month.
– Cashback is credited to your card account, within 2 days of next card statement generation date.

1% fuel surcharge waiver, upto ₹100 per month
– Fuel surcharge is given only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for those comfortable with online shopping and spending.
– No restrictions on online merchants or categories to earn 5% cashback, unlike many other cards in the industry.

Drawbacks
– Not a good card for those who are not comfortable with online shopping and spending , since cashback rate of 1% is low for such purchases
– High annual card spend requirement (of ₹2 lakhs) to get annual fee waiver.

5% cashback on following Paytm spends - travel bookings (flights, train & bus) || movie tickets || shopping at Paytm Mall
- You earn ₹5 cashback, on every ₹100 you spend in these categories (no limit on cashback)

2% special cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)

1% cashback on all other spends (non-Paytm spends) 
– You earn ₹1 cashback, on every ₹100 you spend on all other transactions (no limit on cashback)
– Exception : No cashback is given on rent transactions, wallet loads and fuel purchases.

Cashback is credited as Paytm vouchers, in your Paytm Wallet

Upto 0.6% additional benefit at certain yearly spend targets (milestone benefits)
– You earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend
– You earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend
(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 $32 per visit, please refer to Priority Pass website to get latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card, giving you peace of mind

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits :
– Good card for Paytm users – since you get upto 5% cashback on a variety of spends, plus milestone related benefits
– Airport lounge benefits

Drawbacks to consider :
– You need to consider other cards to earn higher rewards on non-Paytm purchases
– Not a good card for people who prefer in-store shopping, and do not like online shopping

3% cashback on following Paytm spends - Travel tickets (flights, train & bus) || Shopping at Paytm Mall || Movie tickets
- You earn ₹3 cashback, on every ₹100 you spend in these categories
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

2% cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

1% cashback benefit on all other card spends (non-Paytm spends)
– You earn ₹1 cashback, on every ₹100 you spend on all other card transactions (no limit on cashback)
– Cashback is credited as Paytm vouchers, in your Paytm Wallet
– Exception : No cashback is given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month, since the maximum waiver is restricted to ₹100 per monthly card statement cycle

Benefits :
– Good card for Paytm users, you get upto 3% cashback on a variety of spends

Drawbacks to consider :
– Cashback on non-Paytm purchases is quite low (1%), hence you will need to consider other cards to earn rewards on non-Paytm spends
– Not a good card for people who prefer in-store (face to face) shopping, and do not like online shopping

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.

5-12% cashback at Cleartrip : 5% on flights || 10% on domestic hotels || 6% on international hotels || 12% on activities
– Cashback is credited into your Ola Money Wallet.

1% cashback on all other card spends
– You get 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 upto ₹100 per month
– You get 1% fuel surcharge waiver on fuel spends upto ₹10000 per month, since the maximum waiver is capped at ₹100 per month.

Benefits
– Good card for frequent users of Ola rides
– Cashback offers at Cleartrip

Drawbacks to consider
– You need to consider other cards to earn higher rewards on non-Ola spends, and shopping spends

Free ‘professional indemnity insurance cover’ of ₹20 lakh, benefits include-
– Reimbursement of all legal & defense costs, out-of-court settlement expenses and court awards
– 0% of sum insured is deductible

Only credit card issued in partnership with Indian Medical Association (IMA)
– IMA is the largest representative voluntary organisation of Doctors of Modern Scientific System of Medicine

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

Complimentary airport lounge access in India – 8 per year (maximum 2 per quarter)

1.25% cashback on medical supplies || travel bookings || international spends
– 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– 1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other card spends
– 1 reward point worth ₹0.25, on every ₹100 you spend on all other card transactions
– 1 reward point = ₹0.25, and can be redeemed as cashback

Upto 1% additional reward (milestone benefit)
– ₹5000 voucher, at ₹5 lakh annual card spend (1% benefit)
– You can choose between vouchers of Yatra.com/Bata/Shoppers Stop

Fuel surcharge waiver upto ₹250 per month
– 1% fuel surcharge waiver, on fuel transactions between ₹500 and ₹4000 only, and
– Only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

Benefits
– Good card for doctors
– Complimentary airport lounge access both in India and abroad

Drawbacks to consider
– Reward rate on card spending is relatively low

Complimentary FITPASS PRO membership : 12 free monthly gym sessions || personalised fitness coaching || access to expert nutritionists
– You get complimentary annual FITPASS PRO Membership, and get access to 3 memberships across 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 - includes free basic health check-up & unlimited online ‘doctor consultation’
– Free basic health check-up
– Free unlimited online ‘doctor consultation’
– Free delivery (of pre-paid & cash-on-delivery orders, of any products)
– Additional 2.50% cashback (upto ₹100), only on pre-paid medicine orders of any value
– 5% discount, only on all pathology lab tests, profiles and packages

Complimentary airport lounge access in India – 2 per quarter

2.50% cashback on following spends - chemist spends || pharmacy spends || dining spends || movie spends
– 10 reward points worth ₹2.50, on every ₹100 you spend at chemists, pharmacies, dining & movies.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

0.50% benefits 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

Upto 0.37% additional benefits at ₹4 lakh annual card spend (milestone benefits)
– Netsmed gift voucher worth ₹1500, at ₹4 lakh annual card spend - 0.37% benefit

1% fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month (since the waiver amount is capped at ₹250 per monthly card statement cycle)

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
– ₹50 lakh air accident coverage, providing financial protection to you or your beneficiaries.
– Coverage of upto ₹83,000 ($1000), in case of loss of checked-in baggage while travelling.
– Compensation of ₹8300, in case of any delays in receiving your checked-in baggage.
– Coverage of upto ₹12500, in case of loss of essential travel documents.
– Protection upto ₹5000, in case of any damage to your baggage during your journey.

Benefits
– Complimentary annual FITPASS PRO Membership, giving benefits across all aspects of your fitness journey – gym sessions, coaching routines, and access to expert nutritionists.
– Complimentary Netmeds First membership
– 2.50% cashback on chemist, pharmacy, dining & movie spends
– Complimentary airport lounge access in India – 2 per quarter

Drawbacks to consider
– Will need to consider other credit cards to get rewards on non-fitness spends like shopping, travel, fuel etc.

2.50% cashback on departmental store purchases || grocery purchases || movie & dining spends
- You 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.

0.50% basic benefit on all other credit card spends (except fuel)
- You 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.

Additional reward through milestone benefits
– Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend
– Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend

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)

Complimentary Club Vistara SILVER membership, membership benefits include-
– 1 complimentary upgrade voucher
– 9 Club Vistara points for every ₹100 spent on your Vistara flights
– Priority airport check-in at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership, membership benefits include-
– 10% instant savings on bookings made through the hotel website.
– 1000 bonus welcome points at registration
– 1500 bonus points on your first stay, an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent (excluding taxes)

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹4000 AND
– Only on fuel purchases upto ₹25,000 per month (since the maximum waiver is capped at ₹250 per monthly card statement cycle)

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

Benefits
- Attractive benefit on department store, grocery and dining spends, especially if you utilize milestone benefits.
- Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends
- Attractive travel benefits like complimentary airport lounge access in India and abroad, complimentary Club Vistara Silver membership
- Easy redemption of reward points, since reward points can be converted to cashback

Drawbacks to consider
- Reward rate on travel spends is low, hence frequent travellers may need to look at premium travel cards