Best SBI Credit Cards and Their Types: Compare Benefits, Features, and Charges

Last Updated on July 22, 2026 by Muskan Sinha

SBI Credit Cards are the most popular and widely used credit cards in India. SBI offers a diverse range of credit cards to match the spending habits, lifestyle and financial needs of different types of cardholders. From entry level cards meant for first time users to premium cards meant for those who want luxurious services, SBI has a card for everyone. But the question is – which is the best card out of them all? 

Well, this entirely depends on your expenses, income level, reward expectations and other preferences. Almost every card has a different feature, whether in terms of reward points, cashbacks, joining fee, travel benefits, fuel surcharge waiver, milestone benefits and much more. To help you decide the best SBI credit card, we have listed the top credit cards that will perfectly meet your needs. You can compare them and choose the one that suits you the most. 

Top 10 SBI Credit Cards in India

Card Name	Category	Joining/Annual Fee
Cashback SBI Card	Cashback and rewards	Rs 999
SimplyClick SBI Card	Online Shopping	Rs 499
SimplySave SBI Card	Everyday Rewards	Rs 499
Flipkart SBI Card	Co-branded Shopping	Rs 500
PhonePe SBI Select Black Card	Online Shopping	Rs 1499
Tata Neu Infinity SBI Card	Co-branded Shopping	Rs 1499
SBI Card Elite	Premium Lifestyle and Travel	Rs 4999
SBI Card Prime	Shopping and Travel	Rs 2999
Indigo SBI Card	Travel	Rs 1499
SBI Card Miles Elite	Travel	Rs 1499

1. Cashback SBI Card 

The Cashback SBI credit card is designed for people who look forward to earning cashback on their everyday purchases, whether it is buying groceries, paying bills, doing online shopping or anything else. With this card, your regular expenses can be rewarding, helping you maximise your savings on both offline and online spends. The cashback amount is automatically credited to your account within 2 days of the transaction.

Key Features 

• Cashback – 5% cashback on online spends without merchant restriction and 1% cashback on offline spends. 
• Fuel Surcharge Waiver – 1% across all petrol pumps in India
• Automatic Credit Transfer – Cashback gets credited to your account within 2 days of the transaction
• Worldwide Acceptance – This card is accepted at 24 million outlets across the globe, with over 3 lakh outlets in India. 
• Balance Transfer on EMI – You can transfer the balance on other banks’ credit cards to the Cashback SBI card and repay the amount in EMI at a lower interest rate of 3.5%. 
• Annual Fee Waiver – Your renewal fee/annual fee will be waived if your yearly spending is Rs 2 lakh. 

Fees and Charges 

• Joining Fee – Rs 999
• Annual Fee – Rs 999(which is waived on annual spending of Rs 2 lakh)

2. SimplyClick SBI Card

The SimplyClick SBI credit card is an entry-level card designed for frequent online shoppers. This credit card offers 10x rewards on your online purchases across brands like Apollo, Domino’s, Myntra, Swiggy, Yatra, BookMyShow and much more. You can maximize your savings with this credit card and enjoy unlimited privileges in form of welcome benefits, travel perks, dining, fuel surcharge waiver or milestone benefits. 

Key Features 

• Log in Benefit – Get an Amazon gift card worth Rs 500 on paying the annual fee
• E-Shopping Rewards – Get 10x reward points on online spends with exclusive partners. An additional 5x reward points on other online spends. 
• Milestone benefits – Get a voucher from Cleartrip/Yatra worth Rs 2000 each on reaching annual online spends of Rs 1 lakh and 2 lakh respectively. 
• Fuel Surcharge Waiver – 1% on each transaction between Rs 500 and Rs 3000.
• Annual Fee Reversal – Your annual fee is waived on spending above Rs 1 lakh. 

Fees and Charges 

• Joining Fee – Rs 499
• Annual Fee – Rs 499(which is waived on spending above Rs 1 lakh)

3. SimplySave SBI Card 

People looking for a credit card that helps them save big on everyday expenses can opt for the SimplySave SBI card. This entry-level card offers rewards on daily purchases like groceries, departmental store payments, bills, shopping, dining and much more. Perfect for beginners, this credit card makes everyday shopping rewarding with its multiple benefits. 

Key Features 

• Welcome Benefits – Users can get 2000 bonus points which are worth Rs 500,if they make a transaction of Rs 2000 in the first 60 days. 
• Reward Points – Get 10x reward points per Rs 150 spent on dining, movies, department stores and groceries. On other spends, earn 1 reward point for every Rs 150 spent. 
• Annual Fee Reversal – Get an annual membership fee reversal from the second year on spending over Rs 1 lakh in the previous year. 
• Fuel Surcharge Waiver – 1% on each transaction between Rs 500 and Rs 3000 at any petrol pump in India. 

Fees and Charges

• Joining Fee – Rs 499
• Annual Fee – Rs 499(which is waived on spending of Rs 1 lakh)

4. Flipkart SBI Card

Are you someone who purchases products from Flipkart quite often or do online shopping in general? If so, then this credit card might be the best fit for you. Flipkart and SBI partnered with each other to launch the Flipkart SBI card, a credit card that offers exciting rewards when people shop on Flipkart or its partner brands. From cashback to gift vouchers, cardholders get rewarded on all their online transactions especially on brands such as Myntra and Cleartrip.

Key Features 

• Welcome Benefits – A Flipkart gift card worth Rs 250. An additional benefit worth Rs 1000 for making the first payment on Flipkart using this credit card. 
• Cashback and Rewards – A 5% cashback on Flipkart purchases, 7.5 % cashback on Myntra purchases, 4% cashback on selected merchants and 1% cashback on offline spend. 
• Cleartrip Offer – A 7% discount + 5% cashback on Cleartrip for booking flights. An additional 20% discount + 5% cashback on hotels. You also get 10% discount + 5% cashback on booking bus tickets. 
• Fuel Surcharge Waiver – 1% fuel surcharge waiver on each transaction between Rs 500 and Rs 4000 across all petrol pumps in India. You can get a maximum fuel surcharge waiver of Rs 400 per statement cycle. 
• Annual Fee Reversal – The annual fee can be waived if you spend over 3.5 lakh in the previous year. 

Fee and Charges

• Joining Fee – Rs 500
• Annual Fee – Rs 500(which is waived on spending over 3.5 lakh)

5. PhonePe SBI Select Black Card 

The PhonePe SBI Select Black card is a premium card launched by PhonePe and SBI that offers exclusive benefits to its users. PhonePe users can benefit from using this credit card as they receive vashbacks on all spending, especially through the PhonePe app and all digital transactions. This credit card offers premium services to its users such as lounge access, travel perks and milestone benefits. 

Key Features 

• Welcome Benefits – You receive a PhonePe gift card worth Rs 1500 on the realisation of the joining fee. 
• Reward Points – Using this credit card, you can get 10 reward points on every purchase of Rs 100 on eligible PhonePe and Pincode spends. You also get 5 reward points on all eligible online spend above Rs 100. Other than this, you also get 1 Reward point on other spends above Rs 100.
• Milestone Benefit –  With this card, a cardholder gets a Yatra voucher worth Rs 5000 if they spend over Rs 5 lakh in the membership year.
• Fuel Surcharge Waiver – With this card, you can enjoy 1% fuel surcharge waiver for transactions between Rs 500 and Rs 4000. 
• Annual Fee Reversal – You can be spared from paying the annual fee worth Rs 1499 if you have spent over Rs 3 lakh in the previous year. 

Fees and Charges

• Joining Fee – Rs 1499
• Annual Fee – Rs 1499(which is waived over spending of Rs 3 lakh)

6. Tata Neu Infinity SBI Card 

The Tata Neu Infinity SBI card is a credit card launched by SBI in collaboration with Tata Neu. With this card, individuals enjoy rewards and benefits across all Tata brands such as BigBasket, TataCliq, Croma, etc. Cardholders receive Neucoins as rewards when they make a transaction in the Tata Neu app or elsewhere. This card is a premium card and offers exclusive services such as airport lounge access for both domestic and international travel. 

Key Features 

• Welcome Benefit – You receive 1499 NeuCoins as a welcome bonus on your Tata Neu account. 
• Cashback – You get 5% cashback as Neucoins on the Tata Neu app and Tata brands. You also receive an additional 5% cashback as Neucoins on select categories on the Tata Neu app. 
• Lounge Access – With this credit card, you receive 8 domestic airport lounge access if you spend over Rs 75000 in the previous quarter. You also get 4 complimentary international airport lounge access and a complimentary membership to the Priority Pass Program worth $99. 
• Fuel Surcharge Waiver – You get 1% fuel surcharge waiver on transactions between Rs 500 and Rs 4000. 
• Annual Fee Reversal – You do not need to pay the annual fee if you spent Rs 3 lakh in the previous year. 
• Lowest Forex Markup – You are offered the lowest foreign currency mark up charge of 1.99% on international usage. 

Fees and Charges 

• Joining Fee – Rs 1499
• Annual Fee – Rs 1499(waived on spending over Rs 3 lakh)

7. SBI Card Elite 

The SBI Card Elite is a premium credit card offered by SBI for people seeking luxurious services. Other than that, this card also offers lifetstyle oriented reward points on categories like online shopping, travel, movie offers, concierge services and much more. This card is suitable for people with a higher net worth who want to maximize value from rewards and privileges. 

Key Features 

• Welcome Gift – You get a welcome e-gift voucher worth Rs 5000 and you can choose the brand from which you want to avail this voucher. The brands include Yatra, Hush Puppies/Bata, Pantaloon, Shoppers’ Stop and Aditya Birla Fashion.
• Complimentary Movie Offers – Movie lovers can enjoy a free movie ticket worth Rs 6000 every year. 
• Milestone Benefits – Earn up to 50,000 bonus points which are worth Rs 12,500 every year. Also earn up to Rs 10,000 bonus reward points on annual spends of Rs 3 lakh and Rs 4 lakh.
• ELITE Rewards – You can get 5x reward points on dining, department stores and grocery spend. You can also get 2x reward points on all transactions above Rs 100 on other spends. 
• Lounge Access – You can get 6 complimentary international airport lounge access every calendar year along with complimentary membership to the Priority Partner Program. You also get 2 complimentary domestic airport lounge access every calendar year. 
• Lowest Forex Markup – You are charged only 1.99% currency mark up on international use. 
• ITC Silver Tier Membership – You can enjoy a complimentary 1 year club ITC Silver membership.
• Concierge Services – You will be provided with dedicated assistance on flower delivery, gift delivery and online doctor consultations. 

Fee and Charges 

• Joining Fee – Rs 4999
• Annual Fee – Rs 4999

8. SBI Card Prime 

The SBI Card Prime is one of the most popular credit cards by SBI for all the right reasons. SBI issued this card in Amex, Visa and Mastercard variants as well. This card offers rewards on everyday expenses like dining, groceries, movies and much more. What’s so special about this card is that it rains rewards on users in the form of vouchers, birthday gift cards, lounge access, welcome bonuses and other premium services. 

Key Features 

• Welcome Gift – You are rewarded with an e-gift voucher worth Rs 3000 of brands such as Hush Puppies, Bata, Pantaloons, Shoppers’ Stop, Aditya Birla Fashion and Yatra. 
• PRIME Rewards – For every Rs 100 you spend on dining, movies or groceries, you get 10x reward points. 
• Milestone Benefits – When you achieve a milestone of spending Rs 50,000 in a calendar year, you get a Pizza Hut voucher worth Rs 1000. If you are a Prime Pro cardholder, then you will receive a Pizza Hut voucher worth Rs 500 when you spend Rs 50,000 in a calendar year. Moreover, if you spend Rs 5 lakh in a calendar year, you will receive an e-gift voucher worth Rs 7000 from either Yatra or Pantaloon. 
• Lounge Access – You will get 4 complimentary international Priority Pass Lounge visits in a calendar year and 8 complimentary domestic lounge access. If you are a Prime Pro cardholder, then you will receive a Priority Pass membership worth $99. 
• ITC Silver Tier Membership – Cardholder can enjoy 1 year club ITC Silver Tier membership. 
• Birthday Gift – On your birthday, every time you spend Rs 100, you will receive 20 reward points on each transaction. 

Fee and Charges 

• Joining Fee – Rs 2999
• Annual Fee – Rs 2999

9. Indigo SBI Card 

The Indigo SBI Card is a perfect credit card for people who use the Indigo airlines for their frequent travel. The card launched in a partnership with Indigo and SBI aimed at providing comfortable travel experience to its customers along with saving on expenses like hotel bookings, flight tickets, travel spends and more. Interestingly, this card helps people earn Indigo Bluechips as reward points whenever they make a purchase using this credit card. For travel enthusiasts who want to make their travel expenses rewarding, can definitely go for the Indigo SBI card. 

Key Features

• Welcome Bonus – You get 2500 Indigo Bluechip points when you make a transaction in the first 60 days after account opening. 
• Reward Points – You get 3 Indigo Bluechip points when you spend Rs 100 on the Indigo app or website. If you spend Rs 100 on booking hotel/lodge and travel MCCs, you get 2 Indigo Bluechips and you get 1 Indigo Bluechip on any other spend of Rs 100. 
• Lounge Benefit – You get 4 domestic airport lounge access in a year if you spend Rs 50,000 in the last quarter.
• Milestone Benefits – If you spend Rs 2 lakh, Rs 4 lakh or Rs 6 lakh, then you will receive 2500 Indigo Bluechips. 
• Renewal Benefit – You receive 2500 bluechip when you make your annual fee payment.
• Fuel Surcharge Waiver – 1% fuel surcharge waiver on transaction between Rs 500 and Rs 4000 across all petrol pumps. 

Fee and Charges 

• Joining Fee – Rs 1499
• Annual Fee – Rs 1499

10. SBI Card Miles Elite 

The SBI Card Miles is another credit card meant for frequent travellers who spend most on travel expenses, whether it is wanting air miles, booking flights, hotels and want premium benefits for the same. This credit card offers points which can be used for all your travel relate expenses including forex markup charges, insurance cover, milestone benefits and all other travel benefits. 

Key Features 

• Welcome Gift – You get 5000 travel credits as a welcome gift.
• Miles Reward – When you spend Rs 200 on travel, you get 6 travel credit and if you spend Rs 100 on other expenses, you get 2 travel credit. These credits can be converted airmiles, hotel points, travel bookings and more. 
• Milestone Benefit – You get domestic lounge visit everytime you spend Rs 1 lakh. You will also get 20,000 travel credits if you spend Rs 12 lakh annually. 
• Annual Fee Reversal – When you spend Rs 15 lakh in a membership year, you can enjoy annual fee reversal. 
• Lounge Access – You get 8 complimentary domestic lounge access and 6 international lounge access along with a Priority Pass membership worth $99. 
• Insurance Cover – You get insurance cover upto 6 flight cancellation with a limit of Rs 3500, lost card liability up to Rs 1 lakh and air accident cover up to Rs 1 crore. 
• Other Benefits – Forex markup charge of 1.99% and 1% fuel surcharge waiver across all petrol pumps in India. 

Fee and Charges 

• Joining Fee – Rs 1499
• Annual Fee – Rs 1499

How to Apply for SBI Credit Card Easily and Get Rs 2100 Cashback?

You can follow the simple steps below to issue an SBI credit card as per your preference:

Step 1: You have to log in to your Monetizedeal account first. If you do not have an account, you can sign up on the website and create an account by filling in basic sign up detail. 

Step 2: After creating your account, navigate to the affiliate dashboard and go to the ‘Offers’ section. Search for the SBI credit card on the search bar and click on it. 

Step 3: As you click on it, you will find a link that will lead you to the official SBI website. Copy that link and go to the official website where you can find the ‘credit cards’ tabs. 

Step 4: Choose the credit card you want and apply for it. Fill in all the necessary information and perform the KYC process to activate the card. 

Step 5: Once verified, you can get your preferred credit card along with the additional Rs 2100 cashback promised. 

SBI Credit Card Eligibility 

While it is no surprise that each credit card has a specific requirement to be fulfilled, there are some common criteria that is required to be met by all credit card holders regardless of the type. These conditions are as follows:

• Age – The person should be between 21-70 years of age to be able to issue a SBI credit card.
• Nationality – The person should be the resident of India or NRI.
• Occupation – The person should either be a salaried employee or self employed. 
• Credit Score – The person shoul have a good credit score of about 650 or above. 

Documents Required for SBI Credit Card 

There is requirement of basic documents when you apply for the SBI credit card and these are as follows:

• Identify Proof – This can include copy of an Aadhaar card, PAN card, voter ID, driving license, etc. 
• Address Proof – This can include recent utility bill, rental agreement, Aadhaar card, PAN card,etc.
• Income Proof – Bank statement, salary slip and IRT for self employe. 
• Photographs – You can keep at least 2-3 passport size photographs.

Conclusion

SBI offers credit cards tailored to every type of customer based on their goals, needs and lifestyle. SBI remains the perfect choice for people who want maximum rewards on their savings, whether it is for travel expenses, online shopping, hotel bookings, utility bill payments and much more.

Most of these credit cards offer exclusive welcome benefits, lounge access, reward points, fuel surcharge waiver and other premium benefits to make the experience of using a credit card convenient and extremely rewarding. You can choose any SBI credit card that you prefer based on the fees, charges and other benefits you look up to. 

FAQs