The SBI Cashback Credit Card is a straightforward cashback card catering to online shoppers. Its primary attraction is the 5% cashback on online purchases, which significantly outperforms many competitors. This makes it a valuable addition to your wallet for maximizing returns on online expenses. The card also offers 1% cashback on offline transactions, providing a small but consistent return on everyday spending. However, the card has undergone some changes, including the introduction of a joining and annual fee of ₹999 and the removal of complimentary lounge access. Additionally, several categories are excluded from earning cashback, including fuel, rent, utilities, insurance, and more. These exclusions limit the card's versatility and may require you to use other cards for these specific expenses. The monthly cashback cap is set at ₹5,000, meaning online spends up to ₹1 lakh per month will earn the full 5% cashback. While the SBI Cashback Card remains a strong contender for online spending, the recent changes and exclusions are worth considering. It's essential to evaluate your spending habits and compare the card with other cashback options to determine if it's the best fit for your needs. If your online spending is substantial and you're comfortable with the exclusions, the 5% cashback can still provide significant savings.