I spend around ₹30,000 per month, and most of it goes towards online shopping—Amazon, Flipkart, Myntra, and food delivery apps. I want an SBI credit card that gives me maximum cashback or rewards on these spends. Which one should I get?
The best choice for you would be the SBI Cashback Credit Card. It offers a flat 5% cashback on all online transactions (except certain excluded categories like rent and wallet loads), making it one of the best cashback cards in India right now. There’s no merchant restriction, meaning you get 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, and even travel bookings, which is rare. Given your ₹30,000 online spend, you’d earn around ₹1,500 cashback per month—which is solid. The only downside is the ₹5,000 monthly cashback cap, but unless you’re spending over ₹1 lakh online in a month, you won’t hit that limit.
The annual fee is ₹999, but it’s waived if you spend ₹2 lakh in a year—which, at ₹30,000 per month, you’ll easily hit. The only catch? Cashback is auto-credited after 2 months, so you’ll have to wait a bit to see the benefits.
I personally use the SBI Cashback Card for online purchases, and it’s honestly one of the easiest ways to save without dealing with reward points or redemption hassles. If your spending is almost entirely online, this is hands-down the best SBI card for you!