SBI Card Paytm SBI Card credit card
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Paytm SBI Card credit card

3% cashback on Paytm app purchases, 2% at Paytm partners, 1% elsewhere.

41
Personal score41/100● Weak fit
Recurring net savings₹3,146/yrafter fee, GST and caps · bills paid in full
First-year value₹2,558no welcome offer, ₹589 joining fee
Effective savings rate1.0%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹1,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: SBI Card – Paytm SBI Card product page · last reviewed 2026-09-12

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

Why it fits – and what to watch

hover any tile for the detail
₹2,162/yrBase rate 1% on other spends
Waived₹589 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹3,146/yr · 1.0%
Base rate 1% on other spendson ₹2,16,240₹2,162
2% at Paytm partner merchantson ₹16,800₹336
3% on Paytm Mall, movies, travel via Paytmon ₹9,600₹288
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹3,146/yr is calculated
Paytm SBI Card
+ Reward value on your spendat ₹1/Cashback realistic value
₹2,786
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹589 at ₹1,00,000 spend
₹0
= Recurring net savings
₹3,146/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.0%

How the score of 41 is built

weights total 100% · methodology
Net savings rate20/100 × 55%10.7
Usable lounge access0/100 × 15%0.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. 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.

    Cards: SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI Card PRIME, SBI Card ELITE, SBI Card PULSE, SBI Card MILES ELITE, Air India SBI Signature, AURUM +4 more · Source: SaveSage – Credit card devaluations in 2026 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated3% 3% on Paytm Mall, movies,…2% 2% at Paytm partner…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹499
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Credited as statement cashback.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Plain cashback
  • Cheap fee
  • Paytm-first shoppers
  • Low caps in practice
  • No lounge
  • Better cashback cards exist

Community Q&A on the Paytm SBI Card

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Paytm SBI Card?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the Paytm SBI Card give airport lounge access?

No lounge access. None.

How much can I save with the Paytm SBI Card?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹3,146 a year, an effective savings rate of 1.0% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Paytm SBI Card's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Paytm SBI Card lounge access by airport · all SBI Card cards · change log.