Compare annual fees, lounge access, reward rates, RuPay UPI features, and welcome benefits across SBI Bank's official card lineup. Apply online with instant eligibility check and zero impact on your CIBIL score.
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Showing 1–6 of 21 SBI Bank cards • Page 1 of 4
Compare fees, maximum reward yields, airport lounge perks, and waiver milestones across flagship SBI Bank cards side by side.
| Card SpecsComparison | BPCL SBI Card OctaneFuel & Commute |  Tata Neu Plus SBI CardTata Ecosystem & Rewards |  IRCTC SBI Card (RuPay)Rail Travel & UPI |  Air India SBI Signature CardAviation & Travel |  AURUM Credit CardSuper-Premium |  Yatra SBI CardTravel & Holidays | CASHBACK SBI CardCashback & Shopping | SimplyCLICK SBI CardOnline Rewards | SimplySAVE SBI Card (RuPay Variant)Offline Spends & UPI | Tata Neu Infinity SBI CardTata Ecosystem & Rewards | SBI Card PRIMELifestyle & Travel |  SBI Card ELITEPremium Lifestyle |  BPCL SBI Card (Standard)Fuel & Commute |  SBI Card Miles EliteAviation & Travel |  SBI Card PULSEHealth & Wellness |  SBI Card Miles PrimeAviation & Travel |  Reliance SBI Card PRIMERetail & Grocery |  IndiGo SBI Card ELITEAviation & Travel |  IRCTC SBI Card PremierRail Travel & Transit |  IndiGo SBI Card (Standard)Aviation & Travel |  SBI Card PRIME BusinessCorporate & MSME |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Annual Fee | ₹1,499 + GST | ₹499 + GST | ₹500 + GST | ₹4,999 + GST | ₹9,999 + GST | ₹499 + GST | ₹999 + GST | ₹499 + GST | ₹499 + GST | ₹1,499 + GST | ₹2,999 + GST | ₹4,999 + GST | ₹499 + GST | ₹4,999 + GST | ₹1,499 + GST | ₹2,999 + GST | ₹2,999 + GST | ₹4,999 + GST | ₹1,499 + GST | ₹1,499 + GST | ₹2,999 + GST |
Joining Fee | ₹1,499 + GST | ₹499 + GST | ₹500 + GST | ₹4,999 + GST | ₹9,999 + GST | ₹499 + GST | ₹999 + GST | ₹499 + GST | ₹499 + GST | ₹1,499 + GST | ₹2,999 + GST | ₹4,999 + GST | ₹499 + GST | ₹4,999 + GST | ₹1,499 + GST | ₹2,999 + GST | ₹2,999 + GST | ₹4,999 + GST | ₹1,499 + GST | ₹1,499 + GST | ₹2,999 + GST |
Waiver Spend | Waived on annual spends of ₹2,00,000 or more | Waived on annual spends of ₹1,00,000 or more | No standard spend waiver; renewal fee is ₹500 + GST | No standard spend waiver; 5,000 bonus points as an anniversary gift | Waived on annual spends of ₹12,00,000 or more | No spend-based waiver listed in SBI’s Key Fact Statement (Apr 2026); fee is ₹499 + GST | Waived on annual spends of ₹2,00,000 or more | Waived on annual spends of ₹1,00,000 or more | Waived on annual spends of ₹1,00,000 or more | Waived on annual spends of ₹3,00,000 or more | Waived on annual spends of ₹3,00,000 or more | Waived on annual spends of ₹10,00,000 or more | Waived on annual spends of ₹1,00,000 or more (raised from ₹50,000 w.e.f. 1 May 2026) | Waived on annual spends of ₹15,00,000 or more | Waived on annual spends of ₹2,00,000 or more | Waived on annual spends of ₹10,00,000 or more | Waived on annual spends of ₹3,00,000 or more | No annual fee waiver; compensated with milestone flight benefits | Waived on annual spends of ₹2,00,000 or more | No spend-based fee waiver | Waived on annual spends of ₹3,00,000 or more |
Reward Rate | 7.25% overall value-back on BPCL fuel purchases | Up to 7% NeuCoins on Tata Neu purchases | Up to 10% value back on AC train ticket bookings | 10 Reward Points per ₹100 on Air India tickets | 4 Reward Points per ₹100 spent with premium concierge access | Flat travel booking discounts and 6X points on dining and grocery | 5% online cashback (capped at ₹2,000 per statement cycle) | Up to 10X reward points on partner online merchants | 10X points on grocery, dining, and daily essentials | Up to 10% NeuCoins on Tata Neu app purchases | 10 Reward Points per ₹100 on dining, groceries, departmental stores and movies | 5X rewards on dining, grocery, and departmental stores with low 1.99% forex | 4.25% value-back on BPCL petrol and diesel purchases | 6 Travel Credits per ₹200 on flights and hotel bookings | 5X Reward Points on chemist, pharmacy, dining, and movies | 4 Travel Credits per ₹200 on travel bookings with 1:1 mileage conversion | Up to 20 Reward Points per ₹100 on Ajio and JioMart | Up to 7% BluChips on IndiGo bookings | Up to 10% value back on AC train ticket bookings + airline rewards | 3% BluChips on IndiGo bookings | Up to 20 Reward Points per ₹100 on utility & business expenses |
Airport Lounge | 4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter), on SBI’s restricted Set A lounge list (w.e.f. 10 Jan 2026) | 4 complimentary visits per calendar year (max 1 per quarter), subject to a minimum spend in the previous quarter | 4 complimentary railway lounge visits per year (max 1 per quarter at select stations) | 8 complimentary visits per calendar year (max 2 per quarter) (Int: Complimentary Priority Pass membership (standard visit fees apply)) | 4 complimentary domestic airport lounge visits per quarter (16 a year); add-on cardholders may use up to 2 per quarter (Int: Unlimited complimentary international lounge access via DreamFolks membership, plus 1 complimentary guest visit per quarter) | Not available | Not available | Not available | Not available | 8 complimentary visits per calendar year (max 2 per quarter); visits require ₹75,000 of spends in the previous quarter (Int: 4 complimentary visits per calendar year via Priority Pass (max 1 per quarter)) | 8 complimentary visits per calendar year (max 2 per quarter), on SBI’s Set B lounge list (w.e.f. 10 Jan 2026) (Int: 4 complimentary Priority Pass visits per calendar year, outside India (max 2 per quarter)) | 8 complimentary visits per calendar year (max 2 per quarter) (Int: 6 complimentary visits per calendar year via Priority Pass (max 2 per quarter)) | Not available | 8 complimentary domestic visits per year (max 2 per quarter) + 1 extra visit for every ₹1L spend, up to 15 visits a year (Int: 6 complimentary international visits per year via Priority Pass (max 2 per quarter)) | 4 complimentary domestic lounge visits per calendar year (max 1 per quarter); reduced from 8 on 10 Jan 2026 (Int: Complimentary Priority Pass membership for 2 years (standard visit fees apply)) | 8 complimentary domestic visits per calendar year (max 2 per quarter) + 1 extra visit for every ₹1L spend, up to 12 visits a year (Int: 4 complimentary international visits per calendar year via Priority Pass) | 8 complimentary visits per calendar year (max 2 per quarter) (Int: 4 complimentary visits per calendar year via Priority Pass (max 1 per quarter)) | 8 complimentary visits per calendar year (max 2 per quarter) (Int: 6 complimentary visits per calendar year via Priority Pass (max 2 per quarter)) | 8 complimentary railway lounge visits per calendar year (max 2 per quarter at select stations) | 4 complimentary visits per calendar year (max 1 per quarter) | 8 complimentary domestic visits per calendar year (max 2 per quarter) (Int: 4 complimentary international visits per calendar year via Priority Pass (max 1 per quarter)) |
Forex Markup | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 1.99% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 1.99% + GST | 3.50% + GST | 1.99% + GST | 3.50% + GST | 1.99% + GST | 3.50% + GST | 2.50% + GST | 3.50% + GST | 1.99% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST |
Best Suited For | Car owners, highway commuters, and road-trippers spending ₹4,000 to ₹10,000 per month on fuel. | Budget-conscious shoppers wanting everyday UPI rewards alongside savings on BigBasket and 1mg. | Frequent railway passengers, daily commuters, and government personnel using IRCTC for travel. | Existing Air India SBI Signature cardholders who book Air India flights on the card. | High-net-worth individuals and corporate executives prioritizing concierge support and international lounge privileges. | Existing Yatra SBI cardholders who book holidays through Yatra.com. | Everyday online shoppers spending up to about ₹40,000 a month online who want direct statement credits without reward catalog friction. | College graduates and young professionals starting their credit journey with online app purchases. | Household shoppers and commuters who want credit rewards on daily UPI QR code merchant transactions. | Households that buy groceries through BigBasket, electronics via Croma, medicines on 1mg, and pay merchants via UPI. | Spenders who put dining, grocery and movie bills on one card and want airport lounge access and milestone vouchers. | Moviegoers, lifestyle spenders, and frequent international holidaymakers. | Daily two-wheeler and small-car commuters spending under ₹4,000 a month on petrol. | Frequent flyers and business travelers focused on building flexible airline mile balances. | Fitness enthusiasts, gym regulars, and runners looking to merge health memberships with lounge access. | Vacationers building points portfolios across multiple airlines at an accessible mid-tier annual cost. | Families purchasing household groceries, apparel, and gadgets through Reliance retail outlets. | Frequent domestic corporate flyers who regularly use IndiGo flights. | Frequent inter-city business travelers and government personnel traveling in Indian Railways AC coaches. | Moderate flyers taking 3 to 6 domestic IndiGo flights annually. | SME owners, freelancers, and enterprises seeking utility deductions and streamlined expense reporting. |
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India's Largest Public Card Issuer: 5% Online Cashback & Value Back
SBI Card, India's premier public sector credit card issuer, provides some of the most reliable and transparent reward programs in the country. Anchored by the market-disrupting SBI Cashback Credit Card with flat 5% cashback on virtually every online platform, SBI also excels with travel partnerships (Club Vistara, Air India), SimplySAVE daily grocery multipliers, and comprehensive fuel surcharge waivers nationwide.
Flat 5.0% Direct Statement Cashback
Cashback / SBI Reward Points / CV PointsComplimentary access
Domestic & Global AccessScan & Pay Active
Up to 50 days float1.99% (Aurum / Elite) to 3.50%
International Travel₹1 Lakh to ₹10 Lakhs
Spend waiver milestoneThe celebrated SBI Cashback card delivers an unconditional 5% cashback on virtually every online platform without merchant exclusions.
Online shoppers who prefer simple, direct cash savings over complicated reward points.
SimplySAVE and SimplyCLICK accelerate reward generation on everyday essentials, groceries, departmental stores, and dining out.
Families and individuals with recurring supermarket, dining, and departmental bills.
Enjoy relaxing airport lounge visits and unwind with complimentary BookMyShow movie tickets every month on premier SBI cards.
Lifestyle enthusiasts who enjoy weekend cinemas and quarterly domestic vacations.
The BPCL SBI Card Octane offers unbeatable savings on petrol and diesel purchases across Bharat Petroleum pumps nationwide.
Daily vehicle commuters and highway road-trippers.
Transact effortlessly at local stores, vegetable vendors, and neighborhood outlets by linking SBI RuPay cards to UPI apps.
Cardholders wanting cashless UPI convenience backed by interest-free credit.
Convert bulky transactions into pocket-friendly monthly installments and control your card security in real-time.
Users planning high-ticket purchases who want transparent EMI conversion options.
Flat 5% direct cashback on online spends; 10X reward points on dining and groceries
₹0.25 per SBI Reward Point / 1:1 on direct cashback
Complimentary airport terminal relaxation guidelines, quarterly spend requirements, and annual fee reversal milestones.
Up to 8 complimentary domestic airport lounge visits per year (2 per quarter) on cards like SBI Card Prime, Elite, and Pulse.
Complimentary Priority Pass membership with up to 6 free international lounge visits per calendar year on SBI Card Elite and Aurum.
₹1,00,000 (SimplyCLICK/SimplySAVE), ₹2,00,000 (Cashback), ₹3,00,000 (Prime), ₹10,00,000 (Elite)
Flat 5% cashback on all online shopping, auto-credited to statement
Free movie tickets worth ₹6,000/yr, 6 Priority Pass lounges, Club Vistara Silver
₹3,000 welcome voucher, 8 domestic lounges, 4 Priority Pass visits
10X rewards on Amazon, BookMyShow, Cleartrip & ₹500 welcome gift
7.25% valueback on fuel at BPCL petrol stations nationwide
Everything you need to know before applying for SBI Bank credit cards in India.
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