SBI Card · Entry
SBI Cashback Card
Where it ranks across all 187 cards
#3 Mobile / broadband
5.0%
direct
#3 Health & pharmacy
5.0%
direct
#5 Electronics
5.0%
direct
#6 Hotels
5.0%
direct
#6 Cabs & transit
5.0%
direct
#6 Movies & events
5.0%
direct
#7 Groceries
5.0%
direct
#7 Food delivery
5.0%
direct
#7 Flights
5.0%
direct
#8 Online shopping
5.0%
direct
#11 Fashion
5.0%
direct
#55 Other
1.0%
direct
#76 Dining out
1.0%
direct
1 Apr 2026
Combined cap cut ₹5,000→₹4,000/cycle. Gaming, tolls, jewellery newly excluded.
Get an email if this card changes - sign in.
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: SBI Cashback MITC - sbicard.com - read 20 Aug 2026
5% all online spends
5.00%this rule
5% cashback
how it works & source
No merchant restriction. Combined cap with offline: ₹4,000/cycle from Apr 2026 (was ₹5,000). Cashback rounds DOWN per transaction; txns under ₹100 earn nothing.
Source: SBI Cashback MITC - sbicard.com - read 20 Aug 2026
Base rate, but capped1
1% offline spends
base rate
source
Source: SBI Cashback MITC - sbicard.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on14 exclusions
Utility bills
earns nothing
Utilities excluded from cashback (bank table puts 9399 under Utility here).
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900, 4814, 4816, 4899, 9399
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Insurance
earns nothing
Insurance excluded.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300, 6381
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Fuel
earns nothing
Fuel excluded (surcharge waiver only).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rental excluded.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513, 7349
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded + 1% fee (Nov 2025).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Education
earns nothing
School and educational services excluded; 1% fee via third-party apps.
→ use FIRST Private here (6.6%)
detail & source
categories: Education · MCCs: 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Jewellery & watches
earns nothing
Jewellery excluded.
→ use FIRST Private here (6.6%)
detail & source
categories: Jewellery & watches · MCCs: 5051, 5094, 7631, 5944
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Train tickets
earns nothing
Railways excluded.
→ use IRCTC SBI Card here (10.0%)
detail & source
categories: Train tickets · MCCs: 4011, 4112
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
FASTag recharge
earns nothing
Tolls excluded from Apr 2026.
→ use FIRST Private here (6.6%)
detail & source
merchants: FASTag recharge · MCCs: 4784
Source: CASHBACK SBI Card revision w.e.f. 1 Apr 2026 (bank PDF) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government transactions excluded from Apr 2026.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9222, 9311, 9402
Source: CASHBACK SBI Card revision w.e.f. 1 Apr 2026 (bank PDF) - sbicard.com - read 22 Aug 2026
Gaming
earns nothing
Digital gaming excluded from Apr 2026.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 7993, 7994, 5816
Source: CASHBACK SBI Card revision w.e.f. 1 Apr 2026 (bank PDF) - sbicard.com - read 22 Aug 2026
Automated cash disbursement (ATM), Financial institutions - merchandise and services +1 more
earns nothing
Quasi-cash / financial institutions excluded.
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6011, 6012, 6051
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Gift, card, novelty and souvenir shops
earns nothing
Card, gift, novelty and souvenir shops excluded.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 5947
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
Merchant EMI and Flexipay excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: CASHBACK SBI Card T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026