SBI CardVisaCashback Credit Card
4.5NeoFinQ editorial rating
5% cashback on online spends capped at ₹5,000 per billing cycle
- 5% cashback on ALL online purchases
- No merchant restrictions
- Easy fee waiver
- Joining fee
- ₹999
- Annual fee
- ₹999
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹22,500/yr
Our verdict
India's best pure cashback card with 5% on all online purchases.
Perfect for
- Online shoppers
- Cashback maximizers
Not ideal for
- Travel-focused users
Pros & cons
- 5% cashback on ALL online purchases
- No merchant restrictions
- Easy fee waiver
- No lounge access
- Excluded categories apply
Rewards
5% cashback on online spends (capped at ₹5,000/month); 1% on offline spends.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Online Shopping | 5% |
| Cashback | 5% |
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Removed
Fees & charges
| Joining fee | ₹999 |
| Annual fee | ₹999 |
| Renewal fee | ₹999 |
| Fee waiver | Waived on ₹2 lakh annual spend |
| Waiver threshold | Spend ₹2L/yr |
Eligibility
Min. income (annual)
₹3.6L
Employment
Salaried / Self Employed
Frequently asked questions
What's the cashback rate?
5% on all online purchases without merchant restrictions.
How to waive annual fee?
Spend ₹2 lakh annually.
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Annual fee ₹999