Eligible online spending earns 5% cashback without a merchant restriction. Online transactions are identified using indicators provided by card networks and acquirers. Cashback is subject to category exclusions, transaction exclusions, a ₹2,000 online statement-cycle.

Cashback accrues according to the applicable structure when the transaction posts or settles. The card must remain active and not overdue, suspended, blocked, cancelled or terminated when cashback is posted.

Exclusions: Excluded categories include fuel, rent, wallets, jewellery, education, utilities, insurance, railways, tolls, gaming and government transactions, plus specified EMI and financial transactions.

Eligible offline Point-of-Sale spending earns 1% cashback. SBI defines online transactions through network and acquirer indicators; transactions not categorized as online are treated as offline, subject to exclusions and the ₹2,000 offline statement-cycle cashback cap.

Cashback is based on eligible transactions posted or settled during the applicable statement period. Returns, refunds, cancellations, reversals and later EMI conversions can result in cashback reversal.

Exclusions: The card excludes specified fuel, wallet, rent, jewellery, education, utility, insurance, railway, gaming, toll and government transactions, plus other listed non-eligible transactions.

A 1% fuel surcharge waiver is available on every eligible transaction between ₹500 and ₹3,000 at petrol pumps across India. The maximum waiver is ₹100 per statement cycle for each credit card account. Fuel purchases themselves do not earn cashback.

The transaction must fall within the stated ₹500–₹3,000 range and be made at a petrol pump in India. The maximum available fuel surcharge waiver is ₹100 per statement cycle per credit card account.

Exclusions: Fuel transactions do not earn card cashback. The fuel surcharge waiver is subject to the stated transaction amount range and ₹100 statement-cycle maximum.