SBI Credit Cards
Find the perfect SBI credit card with competitive rewards and exclusive lifestyle, travel and dining benefits.
SBI PULSE Credit Card
Annual Fee
₹1499
APR
42%
Joining Fee
₹1499
Cash Advance
500%
Why Choose This Card
The SBI PULSE Credit Card is ideal for health-conscious individuals and frequent shoppers. It offers a combination of health benefits, robust rewards, and milestone rewards, making it an excellent choice for those looking to save while staying fit and enjoying great rewards.
Reward Benefits
10 reward points for every ₹100 spent on Chemist, Pharmacy, Sports, Dining, and Movies.
2 reward points for every ₹100 spent on other purchases.
Redemption: 4 reward points = ₹1; points can be redeemed for outstanding balance or gifts from the Rewards Catalogue.
Pros
- Noise ColorFit Pulse 2 Max Smart Watch worth ₹5,999 on card issuance.
- 10 reward points per ₹100 on Chemist, Pharmacy, Sports, Dining, and Movies.
- 1-year complimentary FITPASS PRO and Netmeds First memberships.
- Waiver of renewal fee on annual spends of ₹2 Lakhs.
- Comprehensive insurance cover including fraud liability and air accident cover.
- 8 complimentary domestic lounge visits per year.
- Worldwide acceptance at 24 million outlets globally.
Cons
- Annual fee of ₹1,499 + taxes (waived on annual spends ≥ ₹2 Lakhs).
- Foreign currency transaction fee of 3.5%.
- Late payment fees for overdue amounts.
SBI Card ELITE
Annual Fee
₹4999
APR
42%
Joining Fee
₹4999
Cash Advance
500%
Why Choose This Card
SBI Card ELITE is ideal for high spenders who enjoy a premium lifestyle with benefits in movies, dining, travel, rewards, and more. The card provides milestone rewards, exclusive privileges, and a range of premium services.
Reward Benefits
5X Reward Points on Dining, Departmental Stores, and Grocery spends.
2 Reward Points for every ₹100 spent on all other purchases.
Milestone rewards: 10,000 bonus points for annual spends of ₹3 Lakhs, ₹4 Lakhs, and ₹5 Lakhs.
Pros
- Vouchers worth ₹5,000 from top brands on joining.
- 2 complimentary movie tickets every month on BookMyShow.
- Access to 2 domestic lounges per quarter and 6 international lounge visits annually.
- 5X Reward Points on Dining, Departmental Stores, and Grocery spends.
- 10,000 bonus Reward Points for annual spends of ₹3 Lakhs.
- Complimentary Mastercard, Visa, and Amex benefits.
- 1% surcharge waiver on fuel transactions.
Cons
- High joining and annual fee of ₹4,999 each.
- High APR of 42% p.a.
- Late payment fees for overdue amounts.
- Limited international lounge visits (6 per year).
CASHBACK SBI Card
Annual Fee
₹999
APR
42%
Joining Fee
₹999
Cash Advance
500%
Why Choose This Card
The Cashback SBI Card is a great option for frequent online shoppers, offering 5% cashback on online spends, and 1% cashback on offline spends. It is ideal for those who can meet the annual spend requirement to waive the annual fee and enjoy rewards without restrictions on merchants.
Reward Benefits
5% cashback on online spends (no merchant restriction).
1% cashback on offline spends.
Fuel surcharge waiver on transactions between ₹500 and ₹3,000.
Pros
- 5% cashback on online spends, no merchant restrictions.
- 1% cashback on offline spends.
- Annual fee reversed on spends of ₹2 lakh in a year.
- 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000.
- No fee for transactions less than ₹500.
- Worldwide acceptance at over 24 million outlets.
Cons
- No cashback on EMI transactions, utility, insurance, fuel, rent, wallet, school/education services, jewelry, or railways.
- Annual fee applies if spends do not meet ₹2 lakh.
- Cashback exclusions may limit rewards in certain categories.
SBI Card PRIME
Annual Fee
₹2999
APR
42%
Joining Fee
₹2999
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking rewards on movies, dining, and grocery spends along with milestone benefits and lounge access.
Reward Benefits
Earn 20 Reward Points per Rs. 100 spent on your birthday (up to 2,000 Reward Points annually).
10 Reward Points per Rs. 100 spent on dining, groceries, departmental stores, and movies.
2 Reward Points per Rs. 100 spent on other retail purchases (except fuel).
Milestone Rewards: Pizza Hut voucher worth Rs. 1,000 on Rs. 50,000 quarterly spends; Annual gift voucher worth Rs. 7,000 on Rs. 5 Lakhs annual spends.
4 Reward Points = Rs. 1.
Pros
- 10 Reward Points per Rs. 100 spent on dining, groceries, departmental stores, and movies.
- Milestone benefits worth up to Rs. 11,000 annually on achieving spend milestones.
- Complimentary domestic (8) and international (4) lounge visits per year.
- Contactless advantage for quick and secure payments.
- Complimentary Air Accident Liability Cover of Rs. 50 lakhs.
Cons
- Annual fee of Rs. 2,999 is relatively high compared to benefits.
- Limited travel benefits aside from lounge access.
- Reward redemption value is only Rs. 0.25 per point.
SBI SimplySAVE Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹499
Cash Advance
2.5%
Why Choose This Card
This card offers great rewards for everyday spending categories such as groceries, dining, and movies, making it a practical choice for basic spenders.
Reward Benefits
10 reward points per Rs. 150 spent on dining, movies, groceries, and departmental stores.
1 reward point per Rs. 150 spent on other categories.
Pros
- 10X reward points on dining, movies, grocery, and departmental store spends.
- Entry-level credit card with low annual fee and easier eligibility terms.
- Annual fee waiver condition of Rs. 1 Lakh in a year.
Cons
- Reward redemption options are limited to select brand vouchers only.
- No significant benefits other than the rewards program.
- Low reward rate as compared to some entry-level cashback cards.
SBI Unnati Credit Card
Annual Fee
₹0
APR
45%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
An ideal choice for individuals new to credit or with a poor credit score, offering benefits without an income prerequisite.
Reward Benefits
Earn 1 reward point per Rs. 100 spent.
Milestone cashback of Rs. 500 for annual spends of Rs. 50,000.
Pros
- No annual fee for the first 4 years.
- Secured credit card against FD, making it accessible for low credit scores.
- 1% fuel surcharge waiver on eligible transactions.
- Simple rewards program and milestone cashback benefits.
Cons
- Limited rewards rate (1 point per Rs. 100 spent).
- Milestone reward capped at Rs. 500 annually.
- Relies on a fixed deposit, restricting accessibility to non-FD holders.
SimplyCLICK SBI Card
Annual Fee
₹499
APR
3.5%
Joining Fee
₹499
Cash Advance
2.25%
Why Choose This Card
5X Reward Points on Amazon, BookMyShow & other partner merchants | 10X Reward Points on exclusive partner categories
Reward Benefits
5X points on Amazon, BookMyShow, Cleartrip, Foyer Healthcare
10X points on exclusive categories (Dineout, Swiggy, etc)
1 point = ₹0.25 redemption value
Pros
- 10X rewards on partner merchants
- No fuel surcharge
- Accelerated reward points
- Easy redemption options
Cons
- Joining fee not waived
- Limited benefits for offline spends
- High APR for revolving credit
Doctor’s SBI Card
Annual Fee
₹1499
APR
3.5%
Joining Fee
₹1499
Cash Advance
2.5%
Why Choose This Card
Tailored benefits for medical professionals, including insurance, lounge access, and accelerated rewards on medical expenses
Reward Benefits
5X points on medical supplies, travel bookings, and international spends :cite[5]:cite[8]
5X points on all spends during Doctor’s Day (1st July) :cite[8]
1 point per ₹100 on other categories
Milestone rewards on ₹5 lakh annual spends (₹5,000 e-voucher) :cite[5]
Pros
- Professional indemnity insurance up to ₹20 lakh
- Complimentary Priority Pass membership for lounge access
- 5X reward points on medical supplies and travel bookings
- Renewal fee waiver on spends
- Fuel surcharge waiver
Cons
- High annual fee (₹1,499) if spends not met
- Limited rewards on non-medical categories
- Foreign transaction fees (3.5% + GST)
SBI Tata Platinum Card
Annual Fee
₹3000
APR
3.5%
Joining Fee
₹3000
Cash Advance
2.5%
Why Choose This Card
Tailored rewards for Tata Group spends, accelerated points on groceries/dining, and domestic lounge access
Reward Benefits
Up to 3 Empower Points per ₹100 on dining, grocery, departmental stores, and international spends :cite[10]
1 Empower Point per ₹100 on other retail categories :cite[10]
5% value back at select Tata outlets (e.g., Westside, Tanishq) :cite[3]
3.5% value back at STAR Outlets (e.g., Star Bazaar) :cite[3]
Pros
- High rewards on Tata Group outlets (up to 5% value back) :cite[3]
- 8 complimentary domestic lounge visits/year :cite[10]
- No fuel surcharge on transactions ₹500–₹3,000 :cite[10]
- Flexible balance transfer options at lower interest rates :cite[2]
Cons
- High joining/renewal fee (₹3,000 + GST) :cite[10]
- No international lounge access :cite[10]
- 3.5% foreign currency markup fee :cite[10]
- Reward redemption fee of ₹99 per request :cite[10]
Reliance SBI Card PRIME
Annual Fee
₹2999
APR
3.5%
Joining Fee
₹2999
Cash Advance
2.5%
Why Choose This Card
Enhanced rewards for high spenders at Reliance brands with travel perks
Reward Benefits
10 RP/₹100 at Reliance Retail (2 RP/₹100 via UPI)
5 RP/₹100 on dining, movies, travel
2 RP/₹100 on other spends
Pros
- 10X Reward Points (2.5% value) on Reliance Retail
- 8 domestic + 4 international lounge visits/year
- Milestone vouchers up to ₹5,500 on ₹3 lakh spends
- Free movie ticket (₹250/month)
Cons
- High annual fee (₹2,999 + GST)
- Reward caps on UPI transactions
- Foreign transaction fees (3.5% + GST)
Reliance SBI Card
Annual Fee
₹499
APR
3.5%
Joining Fee
₹499
Cash Advance
2.5%
Why Choose This Card
Tailored for Reliance Retail shoppers with accelerated rewards and low fees
Reward Benefits
5 RP/₹100 at Reliance Retail, dining, movies
1 RP/₹100 on other spends
Milestone vouchers up to ₹1,000 on ₹80k spends
Pros
- 5X Reward Points (1.25% value) on Reliance Retail, dining, and movies
- Low joining/annual fee (₹499 + GST)
- Annual fee waiver on ₹1 lakh spends
- UPI integration (RuPay variant)
Cons
- No lounge access
- Limited discounts outside Reliance brands
- Low base reward rate (1.25%)