
Best for heavy online shoppers wanting straightforward flat cashback without category restrictions.
India's most popular cashback card offering a flat 5% cashback on all online spends and 1% on offline purchases. No merchant restrictions — cashback is auto-credited as statement credit.
"The Cashback SBI Card is the gold standard for no-nonsense cashback in India. A flat 5% on all online spends with zero merchant restrictions makes it ideal for anyone who shops online. The ₹5,000 monthly cap means you need ₹1 lakh online spend to max out. Annual fee is easily waivable at ₹2L annual spend. Verdict: A must-have for online-first spenders."
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.