SBI Cards Credit Cards 2025
Explore all credit cards from SBI Cards. 27 cards ranked by our experts.
Visit Official WebsiteShowing 27 cards
Best for: Online shoppers, e-commerce enthusiasts, simple cashback seekers
SBI Cashback
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on SBI Cards's website
Annual fee
₹999
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
₹999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Cashback, Shopping
CardNitty's take
Pros
- 5% cashback on ALL online purchases. No merchant restrictions. 1% on offline. Simple auto-credited cashback. Free add-on cards
Cons
- No lounge access. No fuel cashback. Rs 5K monthly cap. 3.5% forex markup
Best for: Grocery, dining, entertainment savings
SBI SimplySAVE
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on SBI Cards's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹1.25/₹100
Joining fee
₹499
Interest rate
40.80%
Card details
Forex Markup
3.50%
Categories Dining, Entry Level
CardNitty's take
Pros
- Low fee, bonus points on grocery/dining/entertainment, easy approval
Cons
- Low base reward rate, no premium benefits
Best for: Online shoppers, e-commerce enthusiasts, beginners
SBI SimplyCLICK
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on SBI Cards's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹2.50/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- 10X on Amazon/partner brands, 5X on all online, Rs 500 Amazon welcome voucher, Low annual fee, Rs 4K Cleartrip milestones
Cons
- No lounge access, 0.25 per point value is low, 10K points monthly cap, Offline earn rate only 1%
Best for: HNIs, luxury lifestyle seekers, frequent international travelers, high spenders
SBI Aurum
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on SBI Cards's website
Annual fee
₹9,999
Rewards rate
₹1.00/₹100
Joining fee
₹9,999
Interest rate
42.00%
Card details
Forex Markup
1.99%
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited international lounge access. Up to Rs 35,000 in milestone vouchers. 16 golf rounds + 12 lessons annually. Low 1.99% forex markup. 4 BookMyShow tickets monthly. Club Marriott and WSJ memberships
Cons
- Only 1% base reward rate. High Rs 12L spend for fee waiver. Invite-only availability. No rewards on fuel and utilities. Annual fee of Rs 9,999
Best for: Fashion enthusiasts seeking rewards on apparel and lifestyle shopping
SBI StyleUp
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on SBI Cards's website
Annual fee
₹499
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹499
Interest rate
N/A
Card details
Categories Lifestyle, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹100000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹300K per month
Best for: Frequent Ola cab users and food delivery users
Ola Money SBI
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on SBI Cards's website
Annual fee
₹499
Rewards rate
₹1.00 - ₹6.00/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifestyle
CardNitty's take
Pros
- 7% cashback on Ola rides (up to Rs 500/month). 5% cashback on dining. 1% fuel surcharge waiver. Low annual fee of Rs 499.
Cons
- Cashback caps are relatively low. Benefits tied to Ola ecosystem. Low credit limits.
Best for: Frequent train travelers booking AC tickets
IRCTC SBI Platinum
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on SBI Cards's website
Annual fee
₹300
Rewards rate
₹0.80 - ₹7.50/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- ['10% value back on AC1, AC2, AC3 and AC Chair Car train tickets', '1.8% transaction charge waiver on IRCTC bookings', '4 complimentary railway lounge visits per year', 'Very low annual fee of just Rs 500 + GST', '1% fuel surcharge waiver across all petrol pumps']
Cons
- ['Very low base rewards (1 point per Rs 125 = 0.8%)', 'No airport lounge access', 'No value on non-train travel or daily spends', 'Railway lounge network is limited']
Best for: PhonePe power users and online shoppers
PhonePe SBI Card SELECT BLACK
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on SBI Cards's website
Annual fee
₹1,499
Rewards rate
₹1.00 - ₹7.50/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Cashback, Lounge Access, Rewards, Shopping
CardNitty's take
Pros
- 10% rewards on PhonePe transactions - industry leading for UPI payments
- 5% rewards on online spends - excellent for e-commerce
- Priority Pass membership included for 2 years
- 4 domestic airport lounge visits per year
- Rs 5,000 Yatra voucher on Rs 5 lakh annual spend
Cons
- 3.5% forex markup is higher than premium cards
- Rs 3 lakh spend required to waive annual fee is significant
- Reward caps limit earning potential for heavy spenders
- No international lounge access beyond Priority Pass membership
Best for: Frequent railway travelers who book via IRCTC
IRCTC SBI Card Premier
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on SBI Cards's website
Annual fee
₹1,499
Rewards rate
₹0.80 - ₹7.50/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Rewards, Travel
CardNitty's take
Pros
- Up to 10% value back on IRCTC railway bookings
- 8 complimentary railway lounge visits per year
- 1.8% transaction charge waiver on IRCTC bookings
- 1 Reward Point = Rs 1 value
- Fee waiver on Rs 2 lakh annual spend
Cons
- Limited to railway travel benefits
- Insurance coverage discontinued from July 2025
- No international lounge access
- Not suitable for non-train travelers
Best for: BPCL fuel users, daily commuters, petrol spenders
BPCL SBI
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on SBI Cards's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹1.75/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Fuel, Rewards
CardNitty's take
Pros
- 4.25% value-back on BPCL fuel (13X points + 1% surcharge waiver)
- 5X rewards on dining, departmental stores, grocery, movies
- 2,000 welcome bonus points (Rs 500 value)
- Instant redemption at 1,200+ BPCL outlets
- No minimum points for redemption
- Low fee of Rs 499, waiver at Rs 50K
- 1% fuel surcharge waiver up to Rs 4,000
- Flexipay EMI conversion available
Cons
- Fuel rewards capped at 1,300 points/cycle
- Dining/grocery rewards capped at 5,000 points/month
- Lower point value (Rs 0.25)
- No airport lounge access
- Best value only at BPCL pumps
- Higher forex markup of 3.5%
Fabindia SBI
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on SBI Cards's website
Annual fee
₹499
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Ola SBI Prime
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on SBI Cards's website
Annual fee
₹2,999
Rewards rate
₹1.00 - ₹7.50/₹100
Joining fee
₹2,999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Cashback, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Direct cashback instead of points - no redemption hassle
- Good insurance coverage up to ₹50 lakh
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Big Bazaar shoppers, Fbb customers, dining enthusiasts
SBI FBB STYLEUP
APPLY NOW
on SBI Cards's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹1.38/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Shopping
CardNitty's take
Pros
- 10X rewards at Big Bazaar, Fbb, Food Bazaar, and all dining
- Flat 10% off on apparel at Fbb and Big Bazaar year-round
- Rs 500 gift voucher on joining fee payment
- 2,000 bonus points on annual fee payment
- 1% fuel surcharge waiver (Rs 500-3000)
- Flexipay EMI conversion
- Contactless Visa payWave
- Low annual fee of Rs 499
Cons
- Lower point value (Rs 0.25)
- Rs 99 redemption fee on products/vouchers
- No airport lounge access
- Best value limited to Future Group stores
- Higher forex markup of 3.5%
Best for: Regular Apollo Pharmacy and Hospital users
Apollo SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹499
Rewards rate
₹1.00/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- 10% discount at Apollo Pharmacy up to Rs 100/month. 5% discount at Apollo hospitals. 1% fuel surcharge waiver. Free annual fee on Rs 50K spend.
Cons
- Low reward rate of 1% on general spend. Benefits limited to Apollo ecosystem. Low credit limit range.
Best for: Existing cardholders who still fly Vistara routes
Club Vistara SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹2,999
Rewards rate
₹1.50/₹100
Joining fee
₹2,999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Earn 4 CV Points per Rs 200 spent on all purchases
- Complimentary Premium Economy ticket voucher on joining
- Club Vistara Gold membership status with priority boarding
- 8 domestic + 4 international lounge visits per year
- Rs 1 Crore air accident insurance coverage
Cons
- Card no longer accepting new applications (Vistara-Air India merger)
- Milestone benefits discontinued from April 2025
- Annual fee of Rs 2,999 with no waiver option
- CV Points only useful for Vistara flights (limited redemption)
Max SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹999
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Budget-conscious PhonePe users and online shoppers
PhonePe SBI Card PURPLE
APPLY NOW
on SBI Cards's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Cashback, Entry Level, Rewards, Shopping
CardNitty's take
Pros
- 3X rewards on PhonePe and Pincode transactions
- 2X rewards on all online spends
- Low annual fee of Rs 499, easy to waive with Rs 1 lakh spend
- Rs 500 PhonePe Gift Card as welcome benefit
- Rs 3,000 Yatra voucher on Rs 3 lakh annual spend
Cons
- Lower rewards compared to SELECT BLACK variant
- No lounge access benefits
- No Priority Pass membership
- 3.5% forex markup is high for entry-level card
Best for: Dining enthusiasts, grocery shoppers, frequent domestic travelers
SBI Card PRIME
APPLY NOW
on SBI Cards's website
Annual fee
₹2,999
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹2,999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Dining, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- 10X rewards on dining, groceries & department stores. Up to Rs 11,000 in milestone vouchers annually. 8 domestic + 4 international lounge visits. Club Vistara Silver membership. Good reward rate of 2.5% on bonus categories
Cons
- Annual fee of Rs 2,999 (waivable on 3L spend). Reward points capped at 7,500/month on bonus categories. Air accident insurance discontinued from July 2025. Lower international lounge access compared to competitors. Rs 99 fee for rewards redemption
Best for: International travelers, frequent diners, movie enthusiasts
SBI Elite
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on SBI Cards's website
Annual fee
₹4,999
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹4,999
Interest rate
45.00%
Card details
Forex Markup
1.99%
Categories Dining, Entertainment, Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Lowest forex markup at 1.99%
- Rs 5,000 welcome voucher on joining
- 6 international lounge visits (Priority Pass)
- 8 domestic lounge visits per year
- 5X rewards on dining, grocery, departmental stores
- BookMyShow 2 free tickets/month (Rs 6K/year)
- Up to 50,000 milestone bonus points (Rs 12,500)
- 4 complimentary golf rounds
- ITC Silver membership (from Sept 2025)
Cons
- High annual fee of Rs 4,999
- Rs 10 Lakh spend needed for fee waiver
- Low base reward rate (0.5%)
- Air accident insurance discontinued from July 2025
- 10,000 points cap on bonus categories per month
Best for: Existing cardholders who fly Air India frequently
Air India SBI Signature
APPLY NOW
on SBI Cards's website
Annual fee
₹4,999
Rewards rate
₹1.00 - ₹2.50/₹100
Joining fee
₹4,999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 20,000 reward points as welcome bonus
- 10 reward points per Rs 100 on Air India bookings
- Up to 1 lakh bonus reward points annually
- 8 domestic lounge visits per year
- Priority Pass global lounge membership
Cons
- Card no longer accepting new applications
- Air accident and rail accident insurance discontinued from July 2025
- Priority Pass visits charged at dollar 27 per use
- Annual fee of Rs 4,999 with no waiver option
Lifestyle SBI Prime
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on SBI Cards's website
Annual fee
₹1,499
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹90000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Reliance SBI Prime
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Fuel, Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: High fuel spenders, BPCL loyalists, frequent travelers
BPCL SBI Octane
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
Rewards rate
₹0.25 - ₹3.25/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Fuel, Lounge Access
CardNitty's take
Pros
- 7.25% value back on BPCL fuel (25X points + 1% surcharge waiver)
- 25X rewards on BPCL Lubricants and Bharat Gas
- 10X rewards on dining, departmental stores, grocery, movies
- 6,000 welcome bonus points (Rs 1,500 value)
- 4 domestic airport lounge visits per year
- Rs 2,000 voucher on Rs 3L annual spend
- 1% fuel surcharge waiver up to Rs 4,000
- RuPay variant for UPI rewards
- Fraud liability cover Rs 1 lakh
Cons
- Higher annual fee of Rs 1,499
- Fuel rewards capped at 2,500 points/cycle
- Fee waiver requires Rs 2L spend
- Rs 99 redemption fee
- Best value only at BPCL pumps
- No rewards on non-BPCL fuel
Doctor SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹999
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Good insurance coverage up to ₹10 lakh
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Frequent travelers seeking air miles and premium travel benefits
SBI Miles
APPLY NOW
on SBI Cards's website
Annual fee
₹4,999
Rewards rate
₹0.50 - ₹1.00/₹100
Joining fee
₹4,999
Interest rate
N/A
Card details
Forex Markup
1.99%
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good insurance coverage up to ₹50 lakh
- Low forex markup of 1.99% - great for international spends
Cons
- No complimentary lounge access
- High income requirement of ₹1200K per month
Best for: Healthcare and wellness spending, pharmacy rewards
SBI Pulse
APPLY NOW
on SBI Cards's website
Annual fee
₹1,499
Rewards rate
₹0.25 - ₹1.25/₹100
Joining fee
₹1,499
Interest rate
40.80%
Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access
CardNitty's take
Pros
- Bonus points on healthcare, OTT subscriptions, lounge access
Cons
- Higher fee than basic cards, specific category focus
Best for: Flipkart and Myntra shoppers seeking high cashback on purchases
Flipkart SBI
APPLY NOW
on SBI Cards's website
Annual fee
₹500
Rewards rate
₹1.00 - ₹6.25/₹100
Joining fee
₹500
Interest rate
N/A
Card details
Forex Markup
3.50%
Categories Cashback, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹350000
- Good reward rate of up to ₹7.50 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹300K per month
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Compare 27 credit cards and choose the one that fits your lifestyle.
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