Cashback
Cashback SBI Card
SBI Card
5% back on any online spend and 1% offline, for ₹999 a year waived above ₹2 lakh. Utilities, insurance, fuel, rent and education earn nothing.
- Joining
- ₹999
- Annual
- ₹999
- Base reward
- 5% other online
- Forex
- 3.5%
SBI Card
3 points per ₹100 across Apollo services, up to 10% instant discount there, and a OneApollo Gold membership. ₹499 a year, waived above ₹1 lakh.
Reward points
Milestone rewards
Also states "Up to 10% Instant Discount at Select Apollo Services" — a discount, not a reward-points earn rate, and not forced into an EarnRule. A complimentary OneApollo Gold Tier Membership is also included, with no rupee value stated.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Taken from SBI Card's own published terms. Last verified 26 August 2026
SBI Card
5% back on any online spend and 1% offline, for ₹999 a year waived above ₹2 lakh. Utilities, insurance, fuel, rent and education earn nothing.
SBI Card
10 points per ₹100 at Swiggy, Myntra, BookMyShow and eight other partners — about 2.5% back — and 5 points elsewhere online. ₹499 a year, waived above ₹1 lakh.
SBI Card
10 points per ₹150 on dining, movies, groceries and departmental stores, worth about 2.5% back. ₹499 a year, waived above ₹1 lakh of spend.