SBI Cashback
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.00% travel · 1.00% dining · 1.00% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
Where this card wins
Pages on CardPilot where SBI Cashback ranks #1 against every other card we track:
vs American Express MRCC
At ₹50,000/month with 15% travel and 10% dining.
Tools for SBI Cashback holders
Frequently asked
Is the SBI Cashback worth the ₹999 fee?
It depends on your spend. The SBI Cashback earns 1% base reward and waives the annual fee at ₹2,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for SBI Cashback?
SBI hasn't published a hard minimum income for SBI Cashback. Approval depends on credit score, existing relationship, and employment type.
How do I redeem points on SBI Cashback?
Best redemption is at Statement credit, where 1 point ≈ ₹1. Other paths (statement credit, vouchers) usually return less.
What is the forex markup on SBI Cashback?
Most Indian cards charge 1.5–3.5% forex markup. We're verifying SBI Cashback's exact rate.
Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.