SBI Card is India's second-largest issuer, with a wide range of co-branded cards (BPCL, IRCTC) and the popular SBI Cashback card. Here's how every SBI Card card we track compares on fees, rewards and yearly value.
| Best for | Card | Est. yearly value |
|---|---|---|
| Best overall (balanced spender) | SBI Card Cashback | ₹9,960 |
| Best for online shopping | SBI Card Cashback | ₹15,180 |
| Best for travel | SBI Card Cashback | ₹18,804 |
| Best for high spenders | SBI Card Cashback | ₹25,566 |
Estimated yearly value after caps, fees (with GST) and forex costs for our standard spending profiles. Use your own spends →
| Fee waiver | Lounge | Best for | Compare | ||||
|---|---|---|---|---|---|---|---|
SBI Card Cashback SBI Card · Visa |
₹999 | ₹2,00,000 spend | Up to 5% | 3.5% | None | Online shoppers spending up to ₹40,000 a month online | |
BPCL SBI Card OCTANE SBI Card · Visa |
₹1,499 | ₹2,00,000 spend | Up to 7.25% | 3.5% | 4 domestic visits a year | Daily commuters who fuel at BPCL | |
SBI Card SimplyCLICK SBI Card · Visa |
₹499 | ₹1,00,000 spend | Up to 2.5% | 3.5% | None | First-time card users who shop online | |
IRCTC SBI Card Premier SBI Card · Visa / Mastercard |
₹1,499 | ₹2,00,000 spend | Up to 2.4% | 3.5% | Railway lounge access (up to 8 visits a year) | Frequent AC train travellers who book on IRCTC | |
SBI Card PRIME SBI Card · Visa / Mastercard |
₹2,999 | ₹3,00,000 spend | Up to 2.5% | 3.5% | Domestic lounge access (SBI reduced visits in 2026) | Mid-range spenders on dining, groceries and movies | |
BPCL SBI Card SBI Card · Visa / Mastercard |
₹499 | ₹1,00,000 spend | Up to 4.25% | 3.5% | None | Budget fuel savings at BPCL pumps for a ₹499 fee | |
SBI Card ELITE SBI Card · Visa / Mastercard |
₹4,999 | ₹10,00,000 spend | Up to 2.5% | 1.99% | Priority Pass with 6 international visits a year | High spenders on dining and groceries who travel abroad |
Devaluation SBI Card
Accelerated fuel rewards now apply to about ₹7,000 of BPCL fuel a month. The BPCL SBI Card renewal fee is reversed on ₹1 lakh yearly spend.
Devaluation SBI Card
5% online and 1% offline cashback each capped at ₹2,000 per statement (₹4,000 total, down from ₹5,000). Gaming, tolls and government payments excluded.
Devaluation SBI Card
Complimentary domestic lounge visits cut from 8 to 4 a year on several cards.
For a typical balanced spender, SBI Card Cashback gives the highest estimated yearly value (₹9,960 after fees) among the 7 SBI Card cards we track. The best card for you depends on where you spend, so try our credit card finder.
Not among the SBI Card cards we track. The cheapest option is SBI Card SimplyCLICK (₹499 + GST).
Apply on SBI Card's official website or app. If you already bank with them, check the app for pre-approved offers first. Check your eligibility with our calculator before applying, since each application is a hard enquiry on your credit report.
Yes. 3 notable changes this year, including: BPCL SBI OCTANE: fuel rewards limited to ₹7,000 a month; SBI Cashback: online cashback capped at ₹2,000. See our changes log for details and sources.