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STATE BANK
Five per cent on every online spend with no merchant list to check — and a ₹2,000 monthly ceiling that decides who it suits.
One-time
Waived on ₹2,00,000/yr
Capped at ₹2,000/billing cycle
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
2 reward rates with their own caps, 7 recorded limitations, and every figure below traced to a source.
See where each figure came fromOnline shopping
Pays up to ₹2,000 a billing cycle — reached at about ₹40,000 of spend
Everything else
Pays up to ₹2,000 a billing cycle — reached at about ₹2,00,000 of spend
These rates share one ceiling: ₹4,000 a month across the card, not per category.
No cashback on fuel, rent, wallet loads, utilities, insurance or education All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Online shopping — 5% on every online spend with no merchant restriction — about ₹40,000 of online spend a month reaches the ₹2,000 ceiling, up to ₹2,000 per billing cycle.
Biggest limitation
The 5% stops at ₹2,000 a billing cycle. Past about ₹40,000 of online spend a month, extra spending earns the 1% base rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5%
cappedOnline shopping
Pays up to ₹2,000 per billing cycle — reached at about ₹40,000 of spend.
5% on every online spend with no merchant restriction — about ₹40,000 of online spend a month reaches the ₹2,000 ceiling
1%
cappedEverything else
Pays up to ₹2,000 per billing cycle — reached at about ₹2,00,000 of spend.
1% on all eligible offline and POS spends at any merchant in India
Cashback is credited to the statement within two days of it being generated. There is nothing to redeem.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹999 | — |
| Annual / renewal fee | ₹999 | Renewal fee fully waived on ₹2,00,000 of eligible spend in the preceding membership year. EMI, fuel and excluded categories do not count towards it. |
| Add-on card | Add-on cards available for family members aged 18+; add-on card cashback subject to primary card monthly cap | — |
| Cash withdrawal | 2.5% | 2.5% of cash advance amount, minimum ₹500 per transaction; cash advance limit up to 80% of credit limit |
| Late payment | Nil for balance up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000 | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹2,00,000 a year
is what it takes to keep the ₹999 fee off — about ₹16,667 a month
No domestic airport lounge access on this card.
1% waiver. 1% waiver on transactions between ₹500 and ₹3,000 at any pump, capped at ₹100 a cycle. Fuel itself earns no cashback — the waiver refunds the pump’s surcharge, it does not pay a reward.
Visa card — in India, UPI linkage is available on RuPay credit cards only.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹2,00,000 a year — about ₹16,667 a month
Renewal fee waived on ₹2,00,000 of eligible spend in the membership year. Left unvalued — the fee engine already removes the fee.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKSBI Card Unnati₹589
STATE BANKReliance SBI Card₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| SBI Cashback Credit Card · this card | ₹999 | 5% online shopping | No |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹999 plus GST, waived on ₹2,00,000 of annual spend.
The strongest published rate is 5% on online shopping, capped at ₹2,000 per billing cycle — so roughly ₹40,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Visa card — in India, UPI linkage is available on RuPay credit cards only.
No cashback on fuel, rent, wallet loads, utilities, insurance or education Cash advances and EMI conversions earn no cashback Fuel Transactions, Rent Payments, Wallet Loads, Cash Withdrawals, EMI Transactions, Fees & Charges, Government Payments, Education Payments, Insurance Premium Payments, Utility Bills Payments, Gift Card or Voucher Purchases, Cancelled, Reversed or Refunded Transactions, Gaming Platforms, Tolls Fuel Transactions, Rent Payments, Wallet Loads, Cash Withdrawals, EMI Transactions, Fees & Charges, Government Payments, Education Payments, Insurance Premium Payments, Utility Bills Payments, Gift Card or Voucher Purchases, Cancelled, Reversed or Refunded Transactions, Gaming Platforms, Tolls
STATE BANK publishes about ₹16,667 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Cashback is credited to the statement within two days of it being generated. There is nothing to redeem.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
SBI Cashback Credit Card — 5% on online shopping, up to ₹2,000 per billing cycle. ₹999 a year.