SBI Cashback Card (Visa) Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Entry
The SBI Cashback Card (Visa) is an Entry Visa credit card issued by SBI Card, best suited for online users. It carries a joining fee of ₹999, with an interest rate of 3.5% per month. Key benefits include Online cashback and 5% online. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹3,00,000/year to qualify. It falls under the Entry-level and Fuel category on CreditCardHunt.
Affiliate disclosure: some links on this page are affiliate links and CreditCardHunt.in may earn a commission if you apply. It does not change our ratings or recommendations and costs you nothing extra. Full disclosure.
Why Choose the SBI Cashback Card (Visa)?
The SBI Cashback Card (Visa) is a Entry-tier Visa credit card issued by SBI Card, rated 4.7/5 by the Credit Card Hunt editorial team. It is best suited for Online users. With a reward rate of 5% online and an annual fee of ₹999, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹999 joining fee.
SBI Cashback Card (Visa) Fees & Charges
| Annual Fee | ₹999 |
|---|---|
| Joining Fee | ₹999 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
SBI Cashback Card (Visa) Rewards & Benefits
| Reward Rate | 5% online |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Online users |
Key Highlights of the SBI Cashback Card (Visa)
- Online cashback
- 5% online
SBI Cashback Card (Visa) Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹3,00,000/year
Minimum Income Required: ₹3,00,000/year
Advantages of the SBI Cashback Card (Visa)
- Wide acceptance — a genuine plus for anyone eyeing this entry card.
Drawbacks of the SBI Cashback Card (Visa)
- Same rewards — worth weighing before you apply.
SBI Cashback Card (Visa) — Frequently Asked Questions
What is the annual fee of the SBI Cashback Card (Visa)?
The SBI Cashback Card (Visa) has an annual fee of ₹999 and a joining fee of ₹999. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the SBI Cashback Card (Visa) offer airport lounge access?
No, the SBI Cashback Card (Visa) does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the SBI Cashback Card (Visa)?
The minimum income requirement is ₹3,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the SBI Cashback Card (Visa)?
The SBI Cashback Card (Visa) earns 5% online. It is best suited for Online users.
Credit Cards Similar to the SBI Cashback Card (Visa)
If you are considering the SBI Cashback Card (Visa), these entry-level credit cards are worth comparing before you apply:
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
- IDFC FIRST Millennia Credit Card by IDFC FIRST Bank — rated 4.4/5, NIL annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.7/5