{
  "id": "sbi-cashback",
  "locale": "en",
  "name": "CASHBACK SBI Card",
  "bank": "SBI Card",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹999 + GST",
  "loungeAccess": "No lounge access (discontinued)",
  "rewardsRate": "5% online cashback · 1% offline retail",
  "bestFor": "Online shopping across Amazon, Flipkart, Myntra, Swiggy, Zomato & all e-commerce",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/cashback-sbi-card.html",
  "affiliateId": "sbi-cashback",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": "2026-10-12T06:50:00Z",
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Essential costs and benefit conditions need accepted evidence; no complete savings estimate is available"
    }
  },
  "sources": [
    "SBI Card — CASHBACK SBI Card official schedule of charges",
    "SBI Card — Cashback terms and conditions schedule",
    "https://www.sbicard.com/en/personal/credit-cards/cashback-sbi-card.html",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf"
  ],
  "feeWaiver": "Waived at ₹2,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Online Cashback",
      "value": "5% (No merchant limits)"
    },
    {
      "key": "Monthly Cap",
      "value": "₹2,000 online + ₹2,000 offline / cycle (₹4,000 total)"
    },
    {
      "key": "Offline Rate",
      "value": "1% flat cashback"
    },
    {
      "key": "Fee Waiver",
      "value": "₹2 Lakh / year"
    },
    {
      "key": "Redemption",
      "value": "Auto-credited to bill"
    },
    {
      "key": "Lounge Visits",
      "value": "None"
    }
  ],
  "earnRates": [
    {
      "category": "Online Shopping & E-Commerce",
      "rate": "5.0%",
      "monthlyCap": "₹2,000 / statement cycle",
      "perLakhSpent": "Up to ₹2,000 Cashback (online sublimit)"
    },
    {
      "category": "Offline Retail Transactions",
      "rate": "1.0%",
      "monthlyCap": "₹2,000 / statement cycle",
      "perLakhSpent": "₹1,000 Cashback"
    },
    {
      "category": "Utilities, Insurance & Education",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    },
    {
      "category": "Rent & Fuel",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [
    {
      "route": "Auto Statement Credit (Cashback)",
      "value": "₹1.00 per ₹1.00 earned",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "₹4,000 combined / cycle",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments via third-party apps.",
    "Wallet loads and prepaid card top-ups.",
    "Utility bill payments (electricity, water, piped gas).",
    "Insurance premium payments and school/college education fees.",
    "Jewellery merchant transactions and railway counter purchases.",
    "EMI conversions and cash advance withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹999 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹999 + GST (Waived at ₹2 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges (Revolving Interest)",
      "value": "3.75% / month (52.86% / year)",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Refund",
      "value": "1% on ₹500–₹3,000 (max ₹100 / cycle)"
    },
    {
      "item": "Card Replacement",
      "value": "₹100 + GST"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.6 Lakhs per annum"
    },
    {
      "criteria": "CIBIL Score",
      "requirement": "730+ recommended"
    }
  ],
  "timelineEvents": [
    {
      "date": "01 May 2023",
      "event": "Lounge access removed and merchant exclusions added (utilities, insurance, education)",
      "impactDelta": "Lounge removed",
      "source": "SBI Card official notification",
      "isNegative": true
    }
  ],
  "pointsValuation": null
}