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SBI Cards Credit Cards 2026

Explore all credit cards from SBI Cards. 16 cards ranked by our experts.

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Best for: Frequent diners and grocery shoppers who spend Rs. 5-10 lakh annually and value movie tickets, lounge access, and low forex markup
SBI Card Elite

SBI Card Elite

3.1 CardNitty rating
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Annual fee

₹4,999

Rewards rate

₹0.50 - ₹1.00/₹100

Joining fee

₹4,999

Interest rate

45.00%

Card details
Forex Markup
1.99%
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards
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CardNitty's take

Pros

  • Free movie tickets worth Rs. 6,000/year
  • Up to 50,000 bonus milestone points/year worth Rs. 12,500
  • 5X rewards on dining, grocery and departmental stores
  • 6 international + 8 domestic lounge visits/year
  • Low 1.99% forex markup
  • Fee waiver on Rs. 10 lakh spend

Cons

  • Low base reward rate of 0.5%
  • 5X reward points capped at 10,000/month
  • High annual fee of Rs. 4,999
  • Air accident insurance discontinued
  • Reward redemption value only Rs. 0.25/point
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Best for: Frequent online shoppers who want simple, unrestricted 5% cashback on all online purchases without brand or merchant limitations.
Cashback SBI Card

Cashback SBI Card

3.3 CardNitty rating
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Annual fee

₹999

Rewards rate

₹1.00 - ₹5.00/₹100

Joining fee

₹999

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Entry Level, Shopping
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CardNitty's take

Pros

  • Flat 5% cashback on all online spends without any merchant restriction
  • High monthly cashback cap of Rs. 5,000 (Rs. 60,000 annually)
  • Cashback auto-credited to statement, no manual redemption needed
  • Low annual fee of Rs. 999 with easy waiver on Rs. 2L annual spend
  • 1% fuel surcharge waiver at all petrol pumps in India

Cons

  • No cashback on fuel, rent, utility, wallet, insurance, education, and jewellery
  • No airport lounge access or travel benefits
  • High forex markup of 3.5% makes it unsuitable for international use
  • No welcome bonus or milestone rewards beyond fee waiver
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Best for: Online shoppers who frequently buy from Myntra, BookMyShow, Cleartrip, and other partner brands seeking high reward rates at a low annual fee.
SimplyCLICK SBI Card

SimplyCLICK SBI Card

3.6 CardNitty rating
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Annual fee

₹499

Rewards rate

₹0.25 - ₹2.50/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Entry Level, Rewards, Shopping
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CardNitty's take

Pros

  • Excellent 10X rewards on 8+ partner brands covering shopping, travel, dining and entertainment
  • Low annual fee of Rs. 499 with easy waiver on Rs. 1L spend
  • 5X reward points on all online spends beyond partner brands
  • Up to Rs. 4,000 in milestone e-vouchers per year

Cons

  • No airport lounge access
  • High forex markup of 3.5% makes it unsuitable for international use
  • Reward point value of Rs. 0.25 is relatively low
  • No rewards on fuel, rent, government, and utility payments
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Best for: Individuals who spend frequently on dining, groceries, and departmental stores, and want domestic and international airport lounge access at a reasonable annual fee.
SBI Card Prime

SBI Card Prime

3.3 CardNitty rating
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Annual fee

₹2,999

Rewards rate

₹0.50 - ₹5.00/₹100

Joining fee

₹2,999

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Dining, Lounge Access, Rewards, Shopping
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CardNitty's take

Pros

  • Strong 2.5% reward rate on dining, groceries, departmental stores and movies
  • Generous lounge access: 8 domestic + 4 international visits annually
  • Multiple milestone vouchers up to Rs. 11,000 in value per year
  • Golf benefits with Mastercard variant
  • Complimentary Club Vistara Silver, Trident Privilege Red, and ITC Silver memberships

Cons

  • Low base reward rate of 0.5% on general spending
  • High forex markup of 3.5% makes it unsuitable for international transactions
  • Accelerated rewards capped at 7,500 RP per month
  • Rs. 3 lakh annual spend required for fee waiver is steep for the benefits offered
  • Air accident insurance being discontinued from July 2025
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Best for: Regular BPCL fuel users seeking 7.25% value-back, commuters wanting fuel surcharge waiver, and everyday spenders on dining, grocery and movies.
BPCL SBI Card OCTANE

BPCL SBI Card OCTANE

2.9 CardNitty rating
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Annual fee

₹1,499

Rewards rate

₹0.25 - ₹5.62/₹100

Joining fee

₹1,499

Interest rate

42.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Fuel, Lounge Access, Rewards
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CardNitty's take

Pros

  • Up to 7.25% value-back on BPCL fuel purchases
  • 10X rewards on dining, grocery, departmental stores and movies
  • 4 complimentary domestic airport lounge visits per year
  • Annual fee waived on Rs. 2 Lakh spend
  • Instant reward point redemption at BPCL pumps

Cons

  • Only 0.25% reward rate on non-category spends
  • Fuel rewards limited to BPCL stations only
  • 3.5% forex markup is on the higher side
  • No international lounge access
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Best for: Frequent Flipkart and Myntra shoppers seeking direct cashback on online purchases with a low annual fee card.
Flipkart SBI Card

Flipkart SBI Card

3.9 CardNitty rating
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Annual fee

₹500

Rewards rate

₹1.00 - ₹6.25/₹100

Joining fee

₹500

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Co-Branded, Entry Level, Shopping
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CardNitty's take

Pros

  • High 7.5% cashback on Myntra and 5% on Flipkart
  • Unlimited 1% cashback on all other eligible spends
  • Low annual fee of Rs. 500, easily waivable at Rs. 3.5L spend
  • Cleartrip integration with instant discounts plus cashback
  • 4% cashback on Netmeds, Uber, Zomato, and PVR

Cons

  • No complimentary airport lounge access
  • Quarterly caps of Rs. 4,000 on each accelerated cashback category
  • High 3.5% forex markup on international transactions
  • Many spending categories excluded from cashback
Read full review
Best for: Health-conscious individuals spending on pharmacy, dining, sports and movies. Ideal with FITPASS PRO, Netmeds First memberships and domestic lounge access.
SBI Card Pulse

SBI Card Pulse

3.2 CardNitty rating
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Annual fee

₹1,499

Rewards rate

₹0.25 - ₹2.50/₹100

Joining fee

₹1,499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Excellent 10X rewards (2.5%) on health, dining, sports and movies
  • Complimentary FITPASS PRO and Netmeds First memberships renewed annually
  • Welcome gift worth Rs. 7,999 (Noise smartwatch)
  • 4 domestic lounge visits per year
  • Comprehensive travel insurance coverage
  • Renewal fee waiver on Rs. 2L annual spend

Cons

  • High forex markup of 3.5%
  • Low base reward rate of only 0.5% on non-category spends
  • No complimentary international lounge visits
  • Reward points expire in 24 months
Read full review
Best for: Medical professionals (allopathy doctors) who travel frequently, make medical supply purchases, and want professional indemnity insurance coverage included with their credit card.
Doctor's SBI Card

Doctor's SBI Card

3.4 CardNitty rating
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Annual fee

₹1,499

Rewards rate

₹0.25 - ₹1.25/₹100

Joining fee

₹1,499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access, Rewards, Travel
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CardNitty's take

Pros

  • Unique Rs. 20 Lakh Professional Indemnity Insurance at no extra cost
  • 5X rewards on medical supplies, travel, and international spends (1.25% reward rate)
  • 12 airport lounge visits per year (8 domestic + 4 international Priority Pass)
  • Complimentary Priority Pass membership worth $99
  • Renewal fee waived on Rs. 2 Lakh annual spend
  • Visa Signature privileges including 24x7 concierge and luxury hotel benefits

Cons

  • Low base reward rate of 0.25% on general spends
  • High forex markup of 3.5% despite 5X on international spends
  • Reward points value is only Rs. 0.25 per point
  • 7,500 reward point monthly cap on accelerated categories
  • Not available for non-allopathy doctors
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Best for: Practicing doctors who travel frequently and want professional indemnity insurance coverage
Doctor's SBI Card (IMA)

Doctor's SBI Card (IMA)

3.2 CardNitty rating
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Annual fee

₹1,499

Rewards rate

₹0.25 - ₹1.25/₹100

Joining fee

₹1,499

Interest rate

42.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unique professional indemnity insurance of Rs. 20 Lakhs
  • 12 complimentary airport lounge visits per year (8 domestic + 4 international)
  • Complimentary Priority Pass membership worth $99
  • 5X rewards on medical supplies, travel and international spends
  • Renewal fee waiver on Rs. 2 Lakh annual spend

Cons

  • Low base reward rate of 0.25% (1 RP per Rs. 100)
  • High forex markup of 3.5% despite 5X international rewards
  • Only available to allopathic doctors with 3+ years experience
  • Reward point value is low at Rs. 0.25 per point
Read full review
Best for: Tata brand loyalists, frequent BigBasket/Croma/Tanishq shoppers, entry-level card seekers wanting rewards on everyday spending within the Tata ecosystem.
Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

3.4 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

Rewards rate

₹1.00 - ₹1.50/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 7% NeuCoins on select Tata Neu categories
  • 1% NeuCoins on all other spends including UPI (RuPay variant)
  • Low annual fee of Rs. 499 with easy waiver on Rs. 1 lakh spend
  • Welcome benefit of 499 NeuCoins effectively offsets joining fee
  • 4 complimentary domestic airport lounge visits per year
  • 1 NeuCoin = Re. 1 - simple and transparent redemption value

Cons

  • Rewards limited to Tata Neu ecosystem only
  • High forex markup of 3.5% makes it unsuitable for international use
  • Lounge access requires Rs. 50,000 quarterly spend threshold
  • No insurance or lifestyle perks - strictly an entry-level card
  • SBI Card known for delayed reward deductions during sales
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Best for: Frequent Tata Neu shoppers (BigBasket, Croma, Titan, Air India, Taj Hotels), UPI users with RuPay variant, and international travellers.
Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

3.8 CardNitty rating
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Annual fee

₹1,499

Rewards rate

₹1.50 - ₹7.50/₹100

Joining fee

₹1,499

Interest rate

45.00%

Card details
Forex Markup
1.99%
Categories Co-Branded, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Up to 10% NeuCoins on select Tata Neu categories
  • 5% NeuCoins on wide Tata brand ecosystem
  • 1.5% on all other spends including UPI
  • Low forex markup of 1.99%
  • Priority Pass with 4 intl lounge visits
  • Annual fee offset by welcome NeuCoins

Cons

  • Domestic lounge requires Rs. 75K quarterly spend
  • NeuCoins only redeemable in Tata ecosystem
  • No complimentary insurance
  • No fuel rewards
  • Monthly caps on grocery, utility, UPI NeuCoins
Read full review
Best for: Regular Apollo Hospitals/Pharmacy users seeking healthcare rewards and Gold Tier membership benefits with an affordable annual fee.
Apollo SBI Card

Apollo SBI Card

3.5 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

Rewards rate

₹0.50 - ₹3.00/₹100

Joining fee

₹499

Interest rate

42.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Rewards
View full details
CardNitty's take

Pros

  • Affordable Rs. 499 annual fee waivable on Rs. 1L spend
  • 3X reward points on all Apollo healthcare services
  • 2X rewards on dining, movies and entertainment
  • Complimentary Apollo Gold Tier Membership
  • 1 Reward Point = Rs. 1 with instant POS redemption

Cons

  • Reward points only redeemable within Apollo ecosystem
  • No lounge access or travel benefits
  • Low base reward rate of 0.5% on general spends
  • No insurance coverage
Read full review
Best for: PhonePe users, bill payment enthusiasts, UPI-first digital spenders seeking an affordable rewards card with up to 3% value-back on everyday expenses.
PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE

3.6 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

Rewards rate

₹1.00 - ₹3.00/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Entry Level, Rewards
View full details
CardNitty's take

Pros

  • Up to 3% rewards on PhonePe spends (1 RP = Re. 1)
  • Welcome gift offsets joining fee
  • RuPay variant enables UPI-linked rewards
  • Easy annual fee waiver at Rs. 1 lakh spend
  • Rewards on offline Scan & Pay transactions

Cons

  • No airport lounge access
  • Monthly reward caps of 1,000 per tier
  • High forex markup of 3.5%
  • No concierge or premium benefits
Read full review
Best for: Beginners and everyday spenders who shop at grocery stores, departmental stores, restaurants, and movie theaters regularly.
SimplySAVE SBI Card

SimplySAVE SBI Card

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

Rewards rate

₹1.67/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Dining, Entry Level, Grocery, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Affordable Rs. 499 annual fee with easy waiver on Rs. 1L spend
  • 10X reward points on 4 everyday categories (dining, movies, grocery, dept stores)
  • 1% fuel surcharge waiver on all petrol pumps
  • Free add-on cards for family members
  • Flexipay EMI conversion for purchases above Rs. 2,500
  • Available on Visa, Mastercard, and RuPay networks

Cons

  • No airport lounge access
  • No insurance coverage
  • Low base reward rate of 0.17% on non-accelerated spends
  • Redemption fee of Rs. 99 + GST on reward points
  • No reward points on fuel, rent, government, or wallet transactions
Read full review
Best for: Frequent Indian Railways travelers who book via IRCTC and want to maximize savings on train tickets with value back rewards and railway lounge access.
IRCTC SBI Card Premier

IRCTC SBI Card Premier

3.1 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

Rewards rate

₹0.80 - ₹2.40/₹100

Joining fee

₹1,499

Interest rate

42.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Fuel, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Up to 10% value back on IRCTC railway bookings
  • 1 Reward Point = Rs 1 (excellent point value)
  • Welcome bonus offsets joining fee entirely
  • 8 complimentary railway lounge visits per year
  • Milestone rewards up to Rs 7,500 annually
  • 1% fuel surcharge waiver
  • Annual fee waiver on Rs 2L spend

Cons

  • Low base reward rate of 0.8% on general spends
  • High forex markup of 3.5%
  • No airport lounge access
  • Air accident and rail accident insurance discontinued from July 2025
  • Reward Points tied to IRCTC loyalty account
  • No concierge or premium lifestyle benefits
Read full review
Best for: Frequent BPCL fuel users seeking 4.25% value back, everyday spenders on grocery and dining, budget-conscious users wanting low-fee fuel card with easy annual fee waiver.
BPCL SBI Card

BPCL SBI Card

3.5 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

Rewards rate

₹0.25 - ₹3.25/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Strong 4.25% value back on BPCL fuel
  • 5X rewards on dining, grocery, departmental stores and movies
  • Low annual fee of Rs. 499 with easy waiver at Rs. 50K spend
  • Instant reward redemption at 1200+ BPCL outlets
  • Welcome bonus covers the joining fee

Cons

  • No airport lounge access
  • No insurance or travel benefits
  • Low 0.25% reward rate on non-category spends
  • Benefits limited to BPCL fuel stations only
  • High forex markup of 3.5%
Read full review

About SBI Cards

Total Cards

16

Country

India

Website

www.sbicard.com

Support Email

care@sbicard.com

Card Categories

Dining Lifestyle Lounge Access Premium Rewards Cashback Entry Level Shopping Co-Branded Fuel Travel Grocery

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