10 Must-Know Tips for Cashback SBI Credit Card Users

Are you a Cashback SBI Credit Card user? Do you want to increase the benefits of your credit card? If yes, then this article is for you. Here are the 10 must-know tips for Cashback SBI Credit Card users. Also, we’ve mentioned the features and benefits of this card and how easily you can apply for it.

Tips for Cashback SBI Credit Card

Features and Benefits of Cashback SBI Credit Card

Cashback Benefits

With a Cashback SBI Card, you can earn cashback on your everyday spends. You can get 5% cashback on every online transaction and 1% cashback on all other offline transactions.

Fuel Benefits

With Cashback SBI Credit Card, you can save money on fuel expenses. You can get 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India.

Spend-Based Waiver

With SBI Cashback Credit Card, you can get a renewal fee waiver on spending Rs. 2,00,000 or more in a year.

Other Benefits

Cashback SBI Credit Card also offers other benefits such as easy EMI options, balance transfer facility, contactless payments for transactions below Rs. 5,000, and you will get 2 add-ons for family members free for lifetime.

10 Tips to Know for Cashback SBI Credit Card

For those who have a Cashback Credit Card, here are 10 tips from which you can use your card effectively and make the most out of it:

  1. Use your card for everyday purchases: Use your Cashback SBI Credit Card for everyday purchases such as groceries, utilities, and dining to earn cashback.
  2. Pay your bills on time: Make sure to pay your credit card bills on time to reduce late payment charges and interest charges.
  3. Keep track of your spending: Keep tracking on what you spend for to avoid overspending and to manage your finances better.
  4. Redeem your cashback rewards: Redeem your cashback rewards on time to avoid expiry and to get the most out of your rewards.
  5. Use your card for fuel purchases: Use your Cashback Credit Card for fuel purchases to avail of the fuel surcharge waiver.
  6. Check for cashback offers: Check for cashback offers on your Cashback SBI Card to get more rewards on your purchases.
  7. Avail of balance transfer facility: If you have outstanding dues on other credit cards, avail of the balance transfer facility to transfer the remaining amount to your Cashback Credit Card and pay it off at a lower interest rate.
  8. Convert your purchases into easy EMIs: Convert your high-value purchases into easy EMIs to manage your finances better and avoid paying high interest charges.
  9. Use the contactless payment feature: Use the contactless payment feature of your Cashback SBI Card to make payments quickly and securely.
  10. Keep your card safe: Keep your Cashback SBI Card safe to avoid misuse and unauthorized transactions.

How to Apply for Cashback SBI Credit Card

To apply for Cashback SBI Credit Card, follow the steps below:

  • Go to the SBI Card website.
  • Click ‘Apply Now’ button under the Cashback SBI Credit Card section.
  • Fill in the application form with your personal and contact details.
  • Give the required documents, such as identity proof, address proof, and income proof.
  • Wait for the decision (approval or rejection) of your credit card application.

Also Read: Discovering the Best Credit Card for Complimentary Railway Lounge Access!


Cashback SBI Credit Card is a great credit card for everyday use. With its cashback benefits, fuel benefits, spend-based waiver, and other benefits, it offers great value to its users. By following the 10 must-know tips for Cashback Credit Card users, you can maximize the benefits of your credit card and manage your finances better. Apply for a Cashback SBI Credit Card today and start enjoying its benefits.

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