These are the ten credit cards on which SBI claims that it gives the highest reward points and cashback on all these SBI credit cards.
When all these 10 credit cards were reviewed, it was found that out of these, 8 are credit cards on which a welcome gift is available.
There are 6 cards out of ten on which cashback is available.
There are 7 credit cards on which reward points are available.
International or Domestic Airport lounge access offers are available on 6 credit cards.
Milestone benefits are available on 8 out of 10 credit cards.
A fuel surcharge waiver is available on 9 credit cards.
The birthday benefit is available on only one credit card.
8 out of 10 credit cards have to pay a joining fee and two credit cards do not have to pay any joining fee.
Renewal fees are levied for almost all 10 credit cards, however, renewal fees for up to 5 cards can be waved on reaching the milestone,
Later in this post, you will learn about the features, benefits, and eligibility of 10 State Bank Of India’s credit cards. Aside from that, you will learn which credit card is best suited to your income level and profession.
Features Wise SBI Credit Card List
Welcome- Gift
- SBI Card Prime,
- Aditya Birla SBI Card Select,
- Aditya Birla SBI Card,
- Appolo SBI Credit Card,
- Tata Star Card Select,
- Tata Card Select,
- Paytm SBI Card Select,
- Paytm SBI Card
Cash Back
- CashBack SBI Card,
- OLA Money SBI Credit Card,
- Tata Star Card Select,
- Tata Card Select,
- Paytm SBI Card Select,
- Paytm SBI Card
Reward Points
- SBI Card Prime,
- Aditya Birla SBI Card Select,
- Aditya Birla SBI Card,
- OLA Money SBI Credit Card,
- Appolo SBI Credit Card,
- Tata Star Card Select,
- Tata Card Select,
Lounge Access
- SBI Card Prime,
- CashBack SBI Card,
- Aditya Birla SBI Card Select,
- Tata Star Card Select,
- Tata Card Select,
- Paytm SBI Card Select
Milestone Benefits
- SBI Card Prime,
- CashBack SBI Card,
- Aditya Birla SBI Card Select,
- Aditya Birla SBI Card,
- Tata Star Card Select,
- Tata Card Select,
- Paytm SBI Card Select,
- Paytm SBI Card
Fuel Surcharge Waiver
- CashBack SBI Card,
- Aditya Birla SBI Card Select,
- Aditya Birla SBI Card,
- OLA Money SBI Credit Card,
- Appolo SBI Credit Card,
- Tata Star Card Select,
- Tata Card Select,
- Paytm SBI Card Select,
- Paytm SBI Card
Birthday Benefits
- SBI Card Prime,
Joining Fee
- SBI Card Prime,
- Aditya Birla SBI Card Select,
- Aditya Birla SBI Card,
- Appolo SBI Credit Card,
- Tata Star Card Select,
- Tata Card Select,
- Paytm SBI Card Select,
- Paytm SBI Card
No- Joining Fee
- CashBack SBI Card,
- OLA Money SBI Credit Card,
Renewal Fee
- SBI Card Prime,
- CashBack SBI Card,
- Aditya Birla SBI Card Select,
- Aditya Birla SBI Card,
- OLA Money SBI Credit Card,
- Appolo SBI Credit Card,
- Tata Star Card Select,
- Tata Card Select,
- Paytm SBI Card Select,
- Paytm SBI Card
Renewal Waiver
- SBI Card Prime,
- CashBack SBI Card,
- OLA Money SBI Credit Card,
- Appolo SBI Credit Card,
- Paytm SBI Card Select
SBI Credit Card Comparision Table
Card Features | SBI Card Prime | CashBack SBI Card |
Welcome Gift | e-Voucher Gifts Rs 3000 | NA |
Cash Back | NA | 5% Cashback on each Online Shopping 1% Cashback on each offline Shopping and utility bill payment |
Reward Points | 10 Rs points / Each 100 Spent on Dining, Groceries, Departmental Stores and Movies | NA |
Lounge Access | 4 Complimentary International Airport Lounge Access / Per Year8 Complimentary Domestic Airport Lounge Access / Every Year | 4 Complimentary Domestic Airport Lounge Access / Per Year |
Milestone Benefits | 50000 Spent/ Rs 1000 Pizza Hut e Vouchar5 Lacs Spent / Rs 7000 e-voucher from Yatra.com or Pantaloons | Spent 2 Lacs / Renewal fee waiver. |
Fuel Surcharge Waiver | NA | 1% Fuel Surcharge Waiver |
Birthday Benefits | Spent Rs 100/ get 20 Reward points – Maximum up to Rs 2000 | NA |
Trident Privilege Membership | Trident Membership, 1000 welcome points on Registration, 1500 bonus points on a hotel stay | NA |
Joining Fee | Rs 3000 | Free |
Renewal Fee | Rs 3000 | Rs 999 |
Joining Fee Waiver | e-Voucher worth Rs. 3000 | Free |
Renewal Fee Waiver | Renewal fee waiver on spent 3 Lac in 1 Year | Renewal fee waiver on spent 2 Lac in 1 Year |
Card Features | Aditya Birla SBI Card Select | Aditya Birla SBI Card |
Welcome Gift | 6000 Reward Points – Worth Rs 1500 | 6000 Reward Points – Worth Rs 500 |
Cash Back | NA | NA |
Reward Points | Every 100 Spent on Aditya Birla Store / 20 Reward PointsEvery 100 Spent on Dining, Entertainment and Hotels / 10 Reward Points | Every 100 Spent on Aditya Birla Store / 10 Reward PointsEvery 100 Spent on Dining, Entertainment and Hotels / 5 Reward Points |
Lounge Access | 4 Domestic VISA Airport lounge Acces / Per Year | NA |
Milestone Benefits | Annual Spent 1.5 Lacs / 3000 Reward Points.Annual Spent 3 Lacs / 6000 Reward Points | Rs 1 Laksh spent / 2000 Reward Points.Rs 1.5 Lac spent / 4000 Reward Points |
Fuel Surcharge Waiver | 1% Waiver / Maximum 100 per Month. | 1% Waiver / Maximum 100 per Month. |
Birthday Benefits | NA | NA |
Exclusive Aditya Birla Store | 20 Reward Points on spent rs 100 on Aditya Birla Store online. | 10 Reward Points on spent rs 100 on Aditya Birla Store online. |
Joining Fee | Rs. 1500 | Rs. 500 |
Renewal Fee | Rs. 1500 | Rs. 500 |
Joining Fee Waiver | NA | NA |
Renewal Fee Waiver | NA | NA |
Card Features | OLA Money SBI Credit Card | Appolo SBI Credit Card |
Welcome Gift | NA | 500 Reward Points worth Rs 500 |
Cash Back | Book Flights by Cleartrip and get 5% CashbackHotel Booking via Cleartrip / 10% CashbackInternational Hotle booking via Cleartrip 6% Cash backActivities booked via Cleartrip / 12% Cashback | NA |
Reward Points | 1% Reward Points on all Spent1 Reward Point is equal Rs 1 | Spent Rs 100 on Appollo Services and get 3X Reward Points. Up to 10% Discount at Select Appollo services |
Lounge Access | NA | NA |
Milestone Benefits | NA | NA |
Fuel Surcharge Waiver | 1% Waiver / Maximum 100 per Month. | 1% Waiver / Maximum 100 per Month. |
Birthday Benefits | NA | NA |
Trident Privilege Membership | NA | NA |
Joining Fee | Free | Rs 500 |
Renewal Fee | 500 | Rs. 500 |
Joining Fee Waiver | NA | Welcome Gift Worth 500 |
Renewal Fee Waiver | A waiver on Spent 1 Lakh | A waiver on 1 Lakh Spent |
Card Features | Tata Star Card Select | Tata Card Select |
Welcome Gift | e-Gift Voucher Worth Rs. 3500 | e-Gift Voucher Worth Rs. 3000 |
Cash Back | 3.5% Value back / On spent Start Outlets.5% Value back / On Select TATA Outlets | 2% Value back / On spent Croma and Cromaretail.5% Value back / On TATA Outlets |
Reward Points | Spent 100 on Departmental, Grocery Store, Dining, and International / Get 3 Reward Points. Spent Other retails / Get 1 Reward Point.1 Reward is equal to Rs. 1 | Spent on Departmental, Grocery, Dining and International / Get 3X Reward Points. Spent Other retails / Get 1 Reward Point.1 Reward is equal to Rs. 1 |
Lounge Access | 8 Domestic Airport lounge Access / Year | 8 Domestic Airport lounge Access / Year |
Milestone Benefits | Spent 2 Lacs Annual / e-Gift Voucher worth Rs 3000Spend 4-5 Lacs Annual/ Get an e-Gift voucher worth Rs. 3000 | Spent 2 Lacs Annually /Anniversary GiftSpend 4-5 Lacs Annual/ Get an e-Gift voucher worth Rs. 3000 |
Fuel Surcharge Waiver | 1% Waiver / Purchasing Fuel 500 to 4000 | 1% Waiver / Maximum 250 per Month. |
Birthday Benefits | NA | |
Joining Fee | Rs. 3000 | Rs. 3000 |
Renewal Fee | Rs. 3000 | Rs. 3000 |
Joining Fee Waiver | e-Gift Voucher Worth Rs. 3500 | e-Gift Voucher Worth Rs. 3000 |
Renewal Fee Waiver | NA | NA |
Card Features | Paytm SBI Card Select | Paytm SBI Card |
Welcome Gift | Complimentary Paytm First Membership / Benefits up to Rs 75000 | Complimentary Paytm First Membership / Benefits up to Rs 75000 |
Cash Back | Rs 750 Cashback / Paytm Membership. Spend on Paytm Mall, Movies, and Travel / 5% CashbackAny Purchase on Paytm App / Get 2% Cashback | Spend Paytm Mall, Movies, and Travel / Get 3% CashbackPurchase anything on Paytm App/ Get 2% CashbackSpend purchasing Offline / Get 1% Cashback |
Reward Points | NA | NA |
Lounge Access | Complimentary Priority Pass Worth 99 US Dollar4 Domestic Airport Lounge Access in a Year | NA |
Milestone Benefits | Retail Spend 4 Lacs in Year / Rs 2000 vouchersRetail Spend 6 Lacs in Year / Get 4000 vouchers | Spend Retail 1 Lakh annual / Get e-voucher |
Fuel Surcharge Waiver | 1% Waiver / Purchasing Fuel 500 to 4000 / Maximum Rs 250 | 1% Waiver / Purchasing Fuel 500 to 3000 / Maximum Rs 100 |
Cyber Fraud Insurance | Rs 2 Lacs Cyber fraud Insurance cover | NA |
Joining Fee | Rs. 1500 | Rs. 500 |
Renewal Fee | Rs. 1500 | Rs. 500 |
Joining Fee Waiver | NA | NA |
Renewal Fee Waiver | Annual Spend 2 Lacs- Renewal Fee Reversal | NA |
Best Three SBI Credit Cards -Our Pick
First Choice -SBI Card Prime
We chose three credit cards from among the ten available. They are as follows.

If you have a high income and travel frequently by plane, the SBI Card Prime is perfect for you because it provides maximum international and domestic airport lounge access. There is also a fee waiver for spending up to 3 lakhs on this card. This card also offers birthday reward points.
Second Choice – CashBack SBI Card
If you have a medium income and work in a profession, the CashBack SBI Card is for you. Because there is no application fee for this card. The renewal fee is also only 1000 rupees, and it is waived after spending 2 lakh rupees.

There is also a 5% cashback offer for online purchases and a 1% cashback offer for offline purchases. There is also free access to four domestic airport lounges and a waiver of fuel surcharges.
Third Choice – Paytm SBI Card Select
If you use Paytm, the Paytm SBI Card Select is the best option for you. This card offers up to 75000 in welcome benefits. 750 cashback on a Paytm membership and 5% cashback on Paytm Mall purchases.

Other items purchased from the Paytm App will earn you 2% cashback. Access to four domestic lounges and a $99 Priority Pass is also available. There are 2000 vouchers available for spending 4 lakhs and 4000 vouchers available for spending 6 lakhs. The renewal fee is also waived when you spend 2 lakhs, and the fuel surcharge is also waived.
How to Get SBI Credit Card
In comparison to other private bank credit cards, obtaining an SBI credit card is a bit more difficult. If you have an SBI account and your salary or business income is deposited into it, you can easily obtain all of the cards.
Apart from that, if you have a credit card from another bank and your CIBIL score is good, you can easily obtain these cards. There are numerous other ways to obtain SBI credit cards, which you can inquire about by calling any credit card representative.