Annual fee
Annual fee
₹999 + GSTJoining and renewal fee
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Fees and charges, A. Annual fees and renewal fees
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Renewal fee waived on annual spends of ₹2 lakh or more in the preceding year
Rewards
Up to 5% cashback
Cashback credited to the card account
Lounges
None
No airport lounge access
Best for
Flat cashback on online spends
Tap or click any underlined figure to see its source, check date and history.
Earning
Cashback is credited within two working days of the statement date and does not expire. Caps apply per statement cycle.
| Spend | Rate | Cap |
|---|---|---|
| Online spends | Online spends earn rate 5% cashback SourceCASHBACK SBI Card terms bookletPDF (opens in a new tab) , page 14 Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Online spends monthly cap ₹2,000Per statement cycle SourceCASHBACK SBI Card terms bookletPDF (opens in a new tab) , page 14 Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| Offline spends | Offline spends earn rate 1% cashback SourceCASHBACK SBI Card terms bookletPDF (opens in a new tab) , page 14 Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Offline spends monthly cap ₹2,000Per statement cycle (₹4,000 total with online) SourceCASHBACK SBI Card terms bookletPDF (opens in a new tab) , page 14 Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
Earns nothing on: Spends that earn nothing Fuel, wallet loads, rent, jewellery, education, utilities, insurance and railways SourceCASHBACK SBI Card terms bookletPDF (opens in a new tab) , page 35 Checked16 Oct 2026 HistoryNo changes since we started tracking this figure.
Fees and charges
Joining feeNot available
Annual fee
Annual fee
₹999 + GSTJoining and renewal fee
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Fees and charges, A. Annual fees and renewal fees
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Joining and renewal fee
Welcome benefitNot available
Foreign currency markup
Foreign currency markup
3.5%
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Other charges and fees, foreign currency transaction fee
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Interest
Interest
3.75% a month
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Extended credit, finance charges
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Late payment fee
Late payment fee
Nil up to ₹500 due, then ₹400, ₹750, ₹950, ₹1,100 and ₹1,300 as the amount due rises above ₹50,000
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Cash withdrawal fee
Cash withdrawal fee
2.5% of the amount, minimum ₹500
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Fuel surcharge waiver
Fuel surcharge waiver
1% on transactions of ₹500 to ₹3,000, up to ₹100 per statement cycle
SourceCASHBACK SBI Card terms bookletPDF (opens in a new tab)
, page 42
Checked16 Oct 2026
HistoryNo changes since we started tracking this figure.
Fee on rent paymentsNot available
Fee on utility paymentsNot available
Fee on wallet loadsNot available
Fee on education payments via appsNot available
Every credit card side by side: annual fees, waivers and markup
Eligibility
As published by the bank. Banks may ask for more.
Income neededNot available
AgeNot available
Other conditionsNot available
History
Every change recorded for this page since we started tracking it.
No changes recorded yet.
Sources
The documents behind every figure on this page.
- SBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) Checked 17 Sep 2026
- CASHBACK SBI Card terms bookletPDF (opens in a new tab) Checked 16 Oct 2026
Spotted something out of date?Tell us which figure changed and where you saw it.
Report an errorSimilar cards
Amazon Pay ICICI BankCredit card
Annual feeLifetime free
LoungesNo lounge access
Best forAmazon shopping with no annual fee
Eternal SBI CardCredit card · Mastercard, RuPay
Annual fee₹499 + GST
LoungesNo lounge access
Best forSpends on Zomato, Blinkit and District
Flipkart Axis Bank Credit CardCredit card
Annual fee₹500 + GST
LoungesNo lounge access
Best forCashback on Flipkart, Myntra and Cleartrip