Head-to-head · 🇮🇳 India
SBI Cashback vs SBI Cashback
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Cashback
VISA
Wins 0 of 10
IN
SBI Card
SBI Cashback
VISA
Wins 0 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | SBI Cashback | SBI Cashback |
|---|---|---|
| Annual fee | = ₹999 | = ₹999 |
| Joining fee | = ₹999 | = ₹999 |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Cashback offsets joining fee on first ₹999+ spend | = Cashback offsets joining fee on first ₹999+ spend |
| Fee waiver threshold | = ₹200,000 / yr | = ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
Benefits compared
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
FAQ
›SBI Cashback vs SBI Cashback: which is better?
It's a true tie — pick the one whose boost categories match your spend. SBI Cashback wins on 0 criteria, SBI Cashback on 0.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI Cashback for online shopping, SBI Cashback for online shopping. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Cashback: Cashback offsets joining fee on first ₹999+ spend. SBI Cashback: Cashback offsets joining fee on first ₹999+ spend.