The Best Cashback SBI Credit Card: A Comprehensive Guide

Cashback credit cards are a popular choice among consumers seeking to maximize their savings on everyday purchases. State Bank of India (SBI), one of the leading banks in India, offers a variety of credit cards tailored to meet different financial needs. In this comprehensive guide, we will delve into the best cashback SBI credit card, its features, benefits, and how it compares to other options in the market.

The Best Cashback SBI Credit Card

Why Choose an SBI Cashback Credit Card?

SBI credit cards are renowned for their wide range of benefits, from reward points and discounts to exclusive offers and, of course, cashback. Here’s why an SBI cashback credit card might be the perfect addition to your wallet:

1. Wide Acceptance: SBI credit cards are widely accepted across numerous merchants and platforms, both online and offline.

2. Variety of Options: SBI offers a diverse range of credit cards, ensuring that there is a card for every type of spender.

3. Customer Service: SBI provides excellent customer service, ensuring that your concerns and issues are promptly addressed.

The Best Cashback SBI Credit Card: SBI Card Prime

Among the various cashback credit cards offered by SBI, the SBI Card Prime stands out as the best choice for several reasons. Let’s explore the features and benefits that make it the top cashback card from SBI.

Key Features of the SBI Card Prime

1. Welcome Gift: New cardholders receive an e-gift voucher worth INR 3,000 from brands like Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Yatra.

2. Annual Fee Waiver: Spend INR 3 lakh in a year and get the next year’s annual fee waived.

3. Milestone Benefits: On spending INR 50,000 in a calendar quarter, cardholders receive a Pizza Hut e-voucher worth INR 1,000.

4. Lounge Access: Complimentary access to airport lounges within India, making travel more comfortable.

5. Renewal Benefits: Receive an e-gift voucher worth INR 3,000 from popular brands upon card renewal.

Cashback and Reward Structure

The SBI Card Prime offers a lucrative cashback and reward points structure:

1. Cashback on Utility Bills: Earn 5% cashback on utility bill payments made through the SBI Card Prime.

2. Reward Points: Earn 10 reward points per INR 100 spent on dining, groceries, movies, and departmental stores.

3. Milestone Rewards: Earn e-gift vouchers worth INR 7,000 on achieving annual spends of INR 5 lakh.

Additional Benefits

1. Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions of INR 500 to INR 4,000 across all petrol pumps in India.

2. Balance Transfer on EMI: Transfer the outstanding balance of other credit cards to the SBI Card Prime at lower interest rates and pay in easy EMIs.

3. Flexipay: Convert your transactions of INR 2,500 and above into easy monthly installments.

How to Apply for the SBI Card Prime

Applying for the SBI Card Prime is a straightforward process:

1. Eligibility Criteria: Ensure you meet the eligibility criteria, which generally includes age, income, and credit score requirements.

2. Required Documents: Keep the necessary documents ready, such as proof of identity, proof of address, and proof of income.

3. Application Process: Visit the SBI Card website or your nearest SBI branch to apply. You can also apply through various third-party financial service platforms.

Comparing the SBI Card Prime with Other Cashback Cards

While the SBI Card Prime is a strong contender, it’s essential to compare it with other cashback cards to ensure it meets your specific needs.

SBI SimplySAVE Card

Annual Fee: INR 499 (reversed on annual spends of INR 1 lakh)
Key Benefit: Earn 10 reward points per INR 100 spent on dining, movies, groceries, and departmental stores.
Cashback: Not as comprehensive as the SBI Card Prime.

SBI Card Elite

Annual Fee: INR 4,999
Key Benefit: Complimentary membership to Club Vistara and Trident Privilege Red Tier.
Cashback: Focuses more on luxury and lifestyle benefits rather than direct cashback.

SBI Cashback Card

Annual Fee: INR 999 (reversed on annual spends of INR 1 lakh)
Key Benefit: 5% cashback on online spends without any merchant restrictions.
Cashback: Ideal for online shoppers but less beneficial for other categories.

Maximizing Benefits with the SBI Card Prime

To get the most out of your SBI Card Prime, consider these tips:

1. Use for High-Spend Categories: Utilize the card for dining, groceries, and utility bills to maximize your cashback and reward points.

2. Achieve Milestone Benefits: Plan your expenses to meet quarterly and annual milestones to earn e-vouchers and fee waivers.

3. Take Advantage of Lounge Access: Make use of the complimentary lounge access during your travels to save on travel-related expenses.

Also Read: Introducing Most Popular HDFC Credit Card in 2024


The SBI Card Prime is an excellent choice for anyone looking to maximize their cashback and rewards on everyday expenses. With its comprehensive benefits, including cashback on utility bills, reward points on popular spending categories, and travel perks, it stands out as the best cashback SBI credit card. Whether you’re a frequent traveler, a movie buff, or someone who enjoys dining out, the SBI Card Prime offers something for everyone. Consider your spending habits and financial needs to determine if this card is the perfect fit for you.

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