1. Cashback SBI Card
Annual fee ₹999 · Rewards up to 5% · You keep ₹6,720* a year
The Cashback SBI Card gives 5% cashback on online spends and 1% on offline spends, credited straight to the card account. Total cashback is limited to ₹4,000 per statement cycle.
- 5% on online shopping
- 1% on other spends
2. PhonePe SBI Card SELECT BLACK
Annual fee ₹1,499 · Rewards up to 10% · You keep ₹6,720* a year
PhonePe SBI Card SELECT BLACK is the higher variant: it gives 10 points per ₹100 on PhonePe app bills and travel (PURPLE gives 3) and 5 points on other online spends, where 1 point equals ₹1. It costs ₹1,499 a year, waived on ₹3 lakh of spends, and adds 4 domestic lounge visits that PURPLE does not have.
- 10% on PhonePe
- 5% on online shopping
- 1% on other spends
- SBI CardTata Neu Infinity SBIVISA
3. Tata Neu Infinity SBI Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹4,860* a year
The Tata Neu Infinity SBI Credit Card gives 5% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1.5% on other eligible spends. 1 NeuCoin equals ₹1 of savings.
- 5% on Tata Neu brands
- 5% on BigBasket
- 1.5% on bills and utilities
- 1.5% on other spends
4. Titan SBI Card
Annual fee ₹2,999 · Rewards up to 7.5% · You keep ₹4,320* a year
The Titan SBI Card pays back 7.5% at Titan watch, eyewear and fashion stores, 5% at Mia, CaratLane and Zoya, and 3% as vouchers at Tanishq, all as points worth ₹0.25 each. It suits families who buy jewellery and watches from Titan brands, since points can only become Titan vouchers.
- 7.5% on Titan
- 5% on CaratLane, Mia, Zoya
- 3% on Tanishq
- 1.5% on other spends
5. PhonePe SBI Card PURPLE
Annual fee ₹499 · Rewards up to 3% · You keep ₹3,840* a year
PhonePe SBI Card PURPLE is the low-fee variant at ₹499 a year, waived on just ₹1 lakh of spends, against ₹1,499 and ₹3 lakh for SELECT BLACK. In return it earns less: 3 points per ₹100 on PhonePe app bills and travel and 2 points on online shopping, worth ₹1 a point, with no lounge access.
- 3% on PhonePe
- 2% on online shopping
- 1% on other spends
6. SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹3,780* a year
SBI Card PRIME gives 10 reward points per ₹100 (about 2.5% back) on dining, groceries, departmental stores and movies, with milestone vouchers and 4 international lounge visits. The ₹2,999 fee is waived on ₹3 lakh of yearly spends.
- 2.5% on dining and food delivery
- 2.5% on groceries
- 0.5% on other spends
7. BPCL SBI Card OCTANE
Annual fee ₹1,499 · Rewards up to 6.25% · You keep ₹3,240* a year
The BPCL SBI Card OCTANE gives 25 reward points per ₹100 on BPCL fuel and 10 points per ₹100 on groceries, department stores, dining and movies. Reward points can be used for free fuel at BPCL outlets.
- 6.25% on BPCL pumps
- 6.25% on Bharat Gas
- 2.5% on groceries
- 2.5% on dining and food delivery
- SBI CardFlipkart SBIVISA
8. Flipkart SBI Credit Card
Annual fee ₹500 · Rewards up to 7.5% · You keep ₹3,240* a year
The Flipkart SBI Credit Card gives 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each up to ₹4,000 per quarter. Other eligible spends earn 1% with no limit.
- 7.5% on Myntra
- 5% on Flipkart
- 5% on Cleartrip
- 1% on other spends
- SBI CardTata Neu Plus SBIVISA
9. Tata Neu Plus SBI Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹3,240* a year
The Tata Neu Plus SBI Credit Card gives 2% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1% on other eligible spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2% on Tata Neu brands
- 2% on BigBasket
- 1% on bills and utilities
- 1% on other spends
10. SBI Card PULSE
Annual fee ₹1,499 · Rewards up to 2.5% · You keep ₹2,340* a year
SBI Card PULSE gives 10 reward points per ₹100 (about 2.5% back) on dining, movies, pharmacy and sports, with Netmeds First and FITPASS PRO memberships. The ₹1,499 fee is waived on ₹2 lakh of yearly spends.
- 2.5% on dining and food delivery
- 0.5% on other spends
- SBI CardSimplySAVE SBI CardVISA
11. SimplySAVE SBI Card
Annual fee ₹499 · Rewards up to 1.67% · You keep ₹2,163* a year
The SimplySAVE SBI Card gives 10 reward points per ₹150 (about 1.67% back) on dining, groceries, department stores and movies. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 1.67% on dining and food delivery
- 1.67% on groceries
- 0.17% on other spends
12. Apollo SBI Card
Annual fee ₹499 · Rewards up to 3% · You keep ₹2,160* a year
The Apollo SBI Card earns 3 reward points per ₹100 at Apollo pharmacies and services, and each point is worth ₹1 at Apollo. It suits families who spend regularly at Apollo, with a ₹499 fee waived on ₹1 lakh of yearly spends.
- 3% on Apollo
- 2% on dining and food delivery
- 0.5% on other spends
13. Reliance SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹2,160* a year
Reliance SBI Card PRIME pays 20 points per ₹100 (5% back) at AJIO and JioMart and 10 points (2.5%) at Reliance Retail stores, but points turn only into Reliance Retail vouchers. It suits families who shop mostly in the Reliance group and spend ₹3 lakh a year to waive the ₹2,999 fee.
- 5% on Reliance Retail
- 2.5% on Reliance Retail
- 1.25% on dining and food delivery
- 1.25% on travel
14. IRCTC SBI Platinum Card (RuPay)
Annual fee ₹500 · Rewards up to 10% · You keep ₹2,002* a year
The IRCTC SBI Platinum Card on RuPay gives up to 10% value back as reward points on AC class train tickets booked through IRCTC. Points can be used to pay for train tickets, and 1 point equals ₹1 of fare.
- 4% on IRCTC
- 0.8% on other spends
15. BPCL SBI Credit Card
Annual fee ₹499 · Rewards up to 3.25% · You keep ₹1,890* a year
The BPCL SBI Credit Card gives 13 reward points per ₹100 on BPCL fuel and 5 points per ₹100 on groceries, department stores, dining and movies. It suits people who fill fuel at BPCL pumps and want a low fee.
- 3.25% on BPCL pumps
- 1.25% on groceries
- 1.25% on dining and food delivery
- 0.25% on other spends
16. Shaurya SBI Card
Annual fee ₹250 · Rewards up to 1.25% · You keep ₹1,890* a year
The Shaurya SBI Card is SBI Card's low-fee RuPay card for defence and paramilitary staff, with 5 reward points per ₹100 at CSD canteens, grocery stores, restaurants and cinemas. Its ₹250 fee is waived on ₹50,000 of yearly spends, and interest is lower than on SBI Card's regular cards.
- 1.25% on groceries
- 1.25% on dining and food delivery
- 0.25% on other spends
17. SimplyCLICK SBI Card
Annual fee ₹499 · Rewards up to 2.5% · You keep ₹1,770* a year
The SimplyCLICK SBI Card gives 10X reward points (2.5% back) at partner brands such as Myntra, BookMyShow and Cleartrip, and 5X points (1.25%) on other online spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2.5% on Myntra, BookMyShow, Cleartrip
- 2.5% on Cleartrip
- 1.25% on online shopping
- 0.25% on other spends
18. SBI Card Unnati
Annual fee ₹499 · Rewards up to 0.25% · You keep ₹221* a year
SBI Card Unnati is a simple starter credit card for SBI customers, including Jan Dhan account holders and people with no credit history, and it charges no fee for the first 4 years. It earns 1 reward point per ₹100, worth ₹0.25, and has a ₹499 yearly fee from the 5th year.
- 0.25% on other spends
19. SBI MILES Credit Card
Annual fee ₹1,499 · Rewards up to 0.5%
The SBI MILES Credit Card earns Travel Credits that you can move to airline miles and hotel points. It gives 1 Travel Credit per ₹100 on travel spends and 0.5 on other spends.
- 0.5% on travel
- 0.25% on other spends
- SBI CardSBI MILES PRIMEmastercard
20. SBI MILES PRIME Credit Card
Annual fee ₹2,999 · Rewards up to 1%
The SBI MILES PRIME Credit Card gives 2 Travel Credits per ₹100 on travel spends and 1 on other spends, which you can move to airline miles and hotel points. It also gives spend-based domestic lounge visits and 4 visits outside India.
- 1% on travel
- 0.5% on other spends
21. SBI ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 2.5%
The SBI ELITE Credit Card is a premium card that gives 10 reward points per ₹100 on dining, groceries and department stores and 2 points on other spends. It also comes with a ₹5,000 welcome voucher, movie tickets and lounge access.
- 2.5% on groceries
- 2.5% on dining and food delivery
- 0.5% on other spends
22. SBI MILES ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 1.5%
The SBI MILES ELITE Credit Card gives 3 Travel Credits per ₹100 on travel spends and 1 on other spends, which you can move to airline miles and hotel points. It also gives spend-based domestic lounge visits and 6 visits outside India.
- 1.5% on travel
- 0.5% on other spends
23. SBI Card AURUM
Annual fee ₹9,999 · Rewards up to 1%
SBI Card AURUM is a premium card that earns 4 reward points per ₹100 (1% back) plus large milestone vouchers, with unlimited international lounge access and a 1.99% forex markup. The ₹9,999 fee is waived on ₹12 lakh of yearly spends.
- 1% on other spends
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| Cashback SBI Card | ₹999 | ₹999 | 5% | ₹6,720* |
| PhonePe SBI Card SELECT BLACK | ₹1,499 | ₹1,499 | 10% | ₹6,720* |
| Tata Neu Infinity SBI Credit Card | ₹1,499 | ₹1,499 | 5% | ₹4,860* |
| Titan SBI Card | ₹2,999 | ₹2,999 | 7.5% | ₹4,320* |
| PhonePe SBI Card PURPLE | ₹499 | ₹499 | 3% | ₹3,840* |
| SBI Card PRIME | ₹2,999 | ₹2,999 | 5% | ₹3,780* |
| BPCL SBI Card OCTANE | ₹1,499 | ₹1,499 | 6.25% | ₹3,240* |
| Flipkart SBI Credit Card | ₹500 | ₹500 | 7.5% | ₹3,240* |
| Tata Neu Plus SBI Credit Card | ₹499 | ₹499 | 2% | ₹3,240* |
| SBI Card PULSE | ₹1,499 | ₹1,499 | 2.5% | ₹2,340* |
| SimplySAVE SBI Card | ₹499 | ₹499 | 1.67% | ₹2,163* |
| Apollo SBI Card | ₹499 | ₹499 | 3% | ₹2,160* |
| Reliance SBI Card PRIME | ₹2,999 | ₹2,999 | 5% | ₹2,160* |
| IRCTC SBI Platinum Card (RuPay) | ₹500 | ₹500 | 10% | ₹2,002* |
| BPCL SBI Credit Card | ₹499 | ₹499 | 3.25% | ₹1,890* |
| Shaurya SBI Card | ₹250 | ₹250 | 1.25% | ₹1,890* |
| SimplyCLICK SBI Card | ₹499 | ₹499 | 2.5% | ₹1,770* |
| SBI Card Unnati | Free | ₹499 | 0.25% | ₹221* |
| SBI MILES Credit Card | ₹1,499 | ₹1,499 | 0.5% | -₹959* |
| SBI MILES PRIME Credit Card | ₹2,999 | ₹2,999 | 1% | -₹1,919* |
| SBI ELITE Credit Card | ₹4,999 | ₹4,999 | 2.5% | -₹2,119* |
| SBI MILES ELITE Credit Card | ₹4,999 | ₹4,999 | 1.5% | -₹4,099* |
| SBI Card AURUM | ₹9,999 | ₹9,999 | 1% | -₹8,559* |
How to choose a SBI credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which SBI credit card is the best?
It depends on how you spend. On our example spending, Cashback SBI Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which SBI credit card has the lowest annual fee?
Shaurya SBI Card has the lowest annual fee of the cards we have checked, at ₹250 before GST.
How many SBI credit cards have you checked?
We have checked 23 so far, against SBI Card's own terms: Apollo SBI Card, BPCL SBI Card OCTANE, BPCL SBI Credit Card, Cashback SBI Card, Flipkart SBI Credit Card, IRCTC SBI Platinum Card (RuPay), PhonePe SBI Card PURPLE, PhonePe SBI Card SELECT BLACK, Reliance SBI Card PRIME, SBI Card AURUM, SBI Card PRIME, SBI Card PULSE, SBI Card Unnati, SBI ELITE Credit Card, SBI MILES Credit Card, SBI MILES ELITE Credit Card, SBI MILES PRIME Credit Card, Shaurya SBI Card, SimplyCLICK SBI Card, SimplySAVE SBI Card, Tata Neu Infinity SBI Credit Card, Tata Neu Plus SBI Credit Card and Titan SBI Card.
Who decides if I get a SBI credit card?
SBI Card alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money