SBI CardVisa
CASHBACK SBI Card
Net savings₹8,834/yr
Savings rate2.7%
Annual feeWaived ₹1,179
Lounge✈ none
✓ 5% on all online spends (₹2,000/month cap from 1 Apr 2026) earns you about ₹7,560 a year…
Issuer · 13 cards · updated 2026-09-19
SBI Card credit cards, ranked
Every SBI Card card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.
Best SBI Card credit card (Sept 2026): CASHBACK SBI Card – score 60/100, ₹8,834 net a year for the standard profile; BPCL SBI Card OCTANE is next. 13 SBI Card cards on CardLens: 0 lifetime free, 7 with lounge access, 1 on RuPay UPI.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 SBI Card cards
SBI Card× BPCLVisa
BPCL SBI Card OCTANE
Net savings₹5,355/yr
Savings rate1.6%
Annual feeWaived ₹1,769
Lounge✈4 dom
✓ 10 RP/₹100 on dining, grocery, departmental stores, movies earns you about ₹2,376 a year…
SBI CardVisa
SBI Card PRIME
Net savings₹3,474/yr
Savings rate1.1%
Annual feeWaived ₹3,539
Lounge✈8 dom🌏4 intl
✓ 10 RP/₹100 on dining, grocery, departmental stores, movies earns you about ₹2,376 a year…
All 13 SBI Card cards
| # | Card | Score | Net savings / yr | Type | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | CASHBACK SBI CardSBI Card | 60/100 | ₹8,834 2.7% rate | Cashback · 3.5% forex | Waived | No lounge access |
| 2 | BPCL SBI Card OCTANESBI Card | 57/100 | ₹5,355 1.6% rate | Fuel · 3.5% forex | Waived | 4 domestic/yr |
| 3 | SBI Card PRIMESBI Card | 50/100 | ₹3,474 1.1% rate | Premium · 3.5% forex | Waived | 8 domestic + 4 international/yr |
| 4 |  SBI Card PULSESBI Card | 48/100 | ₹2,610 0.8% rate | Lifestyle · 3.5% forex | Waived | 8 domestic/yr |
| 5 |  SimplyCLICK SBI CardSBI Card | 46/100 | ₹6,394 2.0% rate | Entry-level · 3.5% forex | Waived | No lounge access |
| 6 |  Paytm SBI CardSBI Card | 41/100 | ₹3,146 1.0% rate | Shopping · 3.5% forex | Waived | No lounge access |
| 7 |  SimplySAVE SBI CardSBI Card | 36/100 | ₹3,105 1.0% rate | Entry-level · 3.5% forex | Waived | No lounge access |
| 8 |  SBI Card MILES ELITESBI Card | 35/100 | −₹3,651 -1.1% rate | Travel · 1.99% forex | You pay ₹5,899 | 8 domestic + 6 international/yr |
| 9 |  Yatra SBI CardSBI Card | 34/100 | ₹3,505 1.1% rate | Travel · 3.5% forex | Waived | No lounge access |
| 10 |  SBI Card ELITESBI Card | 34/100 | −₹117 -0.0% rate | Premium · 1.99% forex | You pay ₹5,899 | 8 domestic + 6 international/yr |
| 11 |  Air India SBI SignatureSBI Card | 32/100 | −₹686 -0.2% rate | Travel · 3.5% forex | You pay ₹5,899 | 8 domestic/yr |
| 12 |  IRCTC SBI PlatinumSBI Card | 25/100 | ₹1,818 0.5% rate | Travel · UPI · 3.5% forex | You pay ₹354 | No lounge access |
| 13 |  AURUMSBI Card | 25/100 | −₹9,012 -2.8% rate | Super-premium · 1.99% forex | You pay ₹11,799 | unlimited domestic + 16 international/yr |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Recent SBI Card changes
- DevaluationSBI Card
CASHBACK SBI Card: 5% online cashback capped at ₹2,000 a month, new exclusions
From 1 April 2026 the 5% on online spends is capped at ₹2,000 per statement cycle (down from ₹5,000), the 1% on offline spends at ₹2,000, and total cashback at ₹4,000 a cycle. Digital gaming platforms (MCC 7993, 7994, 5816), tolls (4784) and government transactions (9222, 9311, 9402) no longer earn cashback, on top of the existing rent, fuel, utility, insurance and education exclusions.
- Policy changeSBI Card
SBI Card reward points: statement-credit redemption in blocks of 4,000, max 60,000 a month
Reward points on SBI cards can be redeemed as statement credit only in multiples of 4,000 points and up to 60,000 points per card per calendar month. Small balances therefore sit unredeemed for longer; the realistic point value CardLens uses is unchanged.
Compare SBI Card cards
Other banks
Frequently asked questions
Which SBI Card credit card is best?
For the standard ₹32k/month profile, CASHBACK SBI Card scores highest (60/100, ₹8,834 recurring net savings), ahead of BPCL SBI Card OCTANE (57). Your own spend can change the order – use Find My Card.
Which SBI Card credit card is lifetime free?
None of the SBI Card cards on CardLens is lifetime free; the cheapest renewal fee is ₹354 incl. GST.
Which SBI Card credit card gives airport lounge access?
BPCL SBI Card OCTANE (4 domestic); SBI Card PRIME (8 domestic); SBI Card PULSE (8 domestic); SBI Card MILES ELITE (8 domestic); SBI Card ELITE (8 domestic); Air India SBI Signature (8 domestic) and 1 more.