SBI Cashback Card is unique because it offers 5% cashback on ALL online transactions — not just specific merchants like Amazon or Flipkart. This means you earn 5% whether you're buying on Nykaa, Ajio, Tata Cliq, or any other online store. The cashback is credited directly as a statement credit.
Frequently called "the best card you're not using" on r/personalfinanceindia. Praised for merchant-agnostic 5% cashback. Users love that it works on travel sites. Main complaint: monthly cashback cap and no UPI benefits.