Best SBI Credit Card for Rewards and Cashback

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

  1. SBI Card Prime, 
  2. Aditya Birla SBI Card Select, 
  3. Aditya Birla SBI Card,
  4.  Appolo SBI Credit Card, 
  5. Tata Star Card Select, 
  6. Tata Card Select, 
  7. Paytm SBI Card Select, 
  8. Paytm SBI Card 

Cash Back

  1. CashBack SBI Card, 
  2. OLA Money SBI Credit Card, 
  3. Tata Star Card Select, 
  4. Tata Card Select, 
  5. Paytm SBI Card Select, 
  6. Paytm SBI Card 

Reward Points  

  1. SBI Card Prime, 
  2. Aditya Birla SBI Card Select, 
  3. Aditya Birla SBI Card, 
  4. OLA Money SBI Credit Card, 
  5. Appolo SBI Credit Card, 
  6. Tata Star Card Select, 
  7. Tata Card Select, 

Lounge Access  

  1. SBI Card Prime, 
  2. CashBack SBI Card, 
  3. Aditya Birla SBI Card Select, 
  4. Tata Star Card Select, 
  5. Tata Card Select, 
  6. Paytm SBI Card Select

Milestone Benefits

  1. SBI Card Prime, 
  2. CashBack SBI Card, 
  3. Aditya Birla SBI Card Select,
  4. Aditya Birla SBI Card, 
  5. Tata Star Card Select, 
  6. Tata Card Select, 
  7. Paytm SBI Card Select, 
  8. Paytm SBI Card 

Fuel Surcharge Waiver  

  1. CashBack SBI Card, 
  2. Aditya Birla SBI Card Select, 
  3. Aditya Birla SBI Card, 
  4. OLA Money SBI Credit Card, 
  5. Appolo SBI Credit Card,  
  6. Tata Star Card Select, 
  7. Tata Card Select, 
  8. Paytm SBI Card Select, 
  9. Paytm SBI Card 

Birthday Benefits

  1. SBI Card Prime, 

Joining Fee  

  1. SBI Card Prime, 
  2. Aditya Birla SBI Card Select, 
  3. Aditya Birla SBI Card, 
  4. Appolo SBI Credit Card, 
  5. Tata Star Card Select, 
  6. Tata Card Select, 
  7. Paytm SBI Card Select, 
  8. Paytm SBI Card 

No- Joining Fee

  1. CashBack SBI Card, 
  2. OLA Money SBI Credit Card

Renewal Fee

  1. SBI Card Prime, 
  2. CashBack SBI Card, 
  3. Aditya Birla SBI Card Select, 
  4. Aditya Birla SBI Card, 
  5. OLA Money SBI Credit Card, 
  6. Appolo SBI Credit Card, 
  7. Tata Star Card Select, 
  8. Tata Card Select,
  9. Paytm SBI Card Select,
  10. Paytm SBI Card  

Renewal Waiver

  1. SBI Card Prime, 
  2. CashBack SBI Card, 
  3. OLA Money SBI Credit Card, 
  4. Appolo SBI Credit Card, 
  5. Paytm SBI Card Select 

SBI Credit Card Comparision Table

Card FeaturesSBI Card PrimeCashBack SBI Card
Welcome Gifte-Voucher Gifts Rs 3000NA
Cash BackNA5% Cashback on each Online Shopping 1% Cashback on each offline Shopping and utility bill payment
Reward Points10 Rs points / Each 100 Spent on Dining, Groceries, Departmental Stores and MoviesNA
Lounge Access4 Complimentary International Airport Lounge Access / Per Year8 Complimentary Domestic Airport Lounge Access / Every Year4 Complimentary Domestic Airport Lounge Access / Per Year
Milestone Benefits50000 Spent/ Rs 1000 Pizza Hut e Vouchar5 Lacs Spent / Rs 7000 e-voucher from Yatra.com or PantaloonsSpent 2 Lacs / Renewal fee waiver.
Fuel Surcharge WaiverNA1% Fuel Surcharge Waiver 
Birthday BenefitsSpent Rs 100/ get 20 Reward points – Maximum up to Rs 2000NA
Trident Privilege MembershipTrident Membership, 1000 welcome points on Registration, 1500 bonus points on a hotel stayNA
Joining FeeRs 3000Free
Renewal FeeRs 3000Rs 999
Joining Fee Waivere-Voucher worth Rs. 3000Free
Renewal Fee WaiverRenewal fee waiver on spent 3 Lac in 1 YearRenewal fee waiver on spent 2 Lac in 1 Year
Card FeaturesAditya Birla SBI Card SelectAditya Birla SBI Card
Welcome Gift6000 Reward Points – Worth Rs 15006000 Reward Points – Worth Rs 500
Cash BackNANA
Reward PointsEvery 100 Spent on Aditya Birla Store / 20 Reward PointsEvery 100 Spent on Dining, Entertainment and Hotels / 10 Reward PointsEvery 100 Spent on Aditya Birla Store / 10 Reward PointsEvery 100 Spent on Dining, Entertainment and Hotels / 5 Reward Points
Lounge Access4 Domestic VISA Airport lounge Acces / Per YearNA
Milestone BenefitsAnnual Spent 1.5 Lacs / 3000 Reward Points.Annual Spent 3 Lacs / 6000 Reward PointsRs 1 Laksh spent / 2000 Reward Points.Rs 1.5 Lac spent / 4000 Reward Points
Fuel Surcharge Waiver1% Waiver / Maximum 100 per Month.1% Waiver / Maximum 100 per Month.
Birthday BenefitsNANA
Exclusive Aditya Birla Store20 Reward Points on spent rs 100 on Aditya Birla Store online.10 Reward Points on spent rs 100 on Aditya Birla Store online.
Joining FeeRs. 1500Rs. 500
Renewal FeeRs. 1500Rs. 500
Joining Fee WaiverNANA
Renewal Fee WaiverNANA
Card FeaturesOLA Money SBI Credit CardAppolo SBI Credit Card
Welcome GiftNA500 Reward Points worth Rs 500
Cash BackBook Flights by Cleartrip and get 5% CashbackHotel Booking via Cleartrip / 10% CashbackInternational Hotle booking via Cleartrip 6% Cash backActivities booked via Cleartrip / 12% CashbackNA
Reward Points1% Reward Points on all Spent1 Reward Point is equal Rs 1Spent Rs 100 on Appollo Services and get 3X Reward Points. Up to 10% Discount at Select Appollo services
Lounge AccessNANA
Milestone BenefitsNANA
Fuel Surcharge Waiver1% Waiver / Maximum 100 per Month.1% Waiver / Maximum 100 per Month.
Birthday BenefitsNANA
Trident Privilege MembershipNANA
Joining FeeFreeRs 500
Renewal Fee500Rs. 500
Joining Fee WaiverNAWelcome Gift Worth 500
Renewal Fee WaiverA waiver on Spent 1 LakhA waiver on 1 Lakh Spent
Card FeaturesTata Star Card SelectTata Card Select
Welcome Gifte-Gift Voucher Worth Rs. 3500e-Gift Voucher Worth Rs. 3000
Cash Back3.5% Value back / On spent Start Outlets.5% Value back / On Select TATA Outlets2% Value back / On spent Croma and Cromaretail.5% Value back / On TATA Outlets
Reward PointsSpent 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. 1Spent 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 Access8 Domestic Airport lounge Access / Year8 Domestic Airport lounge Access / Year
Milestone BenefitsSpent 2 Lacs Annual / e-Gift Voucher worth Rs 3000Spend 4-5 Lacs Annual/ Get an e-Gift voucher worth Rs. 3000Spent 2 Lacs Annually /Anniversary GiftSpend 4-5 Lacs Annual/ Get an e-Gift voucher worth Rs. 3000
Fuel Surcharge Waiver1% Waiver / Purchasing Fuel 500 to 40001% Waiver / Maximum 250 per Month.
Birthday BenefitsNA
Joining FeeRs. 3000Rs. 3000
Renewal FeeRs. 3000Rs. 3000
Joining Fee Waivere-Gift Voucher Worth Rs. 3500e-Gift Voucher Worth Rs. 3000
Renewal Fee WaiverNANA
Card FeaturesPaytm SBI Card SelectPaytm SBI Card 
Welcome GiftComplimentary Paytm First Membership / Benefits up to Rs 75000Complimentary Paytm First Membership / Benefits up to Rs 75000
Cash BackRs 750 Cashback / Paytm Membership. Spend on Paytm Mall, Movies, and Travel / 5% CashbackAny Purchase on Paytm App / Get 2% CashbackSpend Paytm Mall, Movies, and Travel / Get 3% CashbackPurchase anything on Paytm App/ Get 2% CashbackSpend purchasing Offline / Get 1% Cashback
Reward PointsNANA
Lounge AccessComplimentary Priority Pass Worth 99 US Dollar4 Domestic Airport Lounge Access in a YearNA
Milestone BenefitsRetail Spend 4 Lacs in Year / Rs 2000 vouchersRetail Spend 6 Lacs in Year / Get 4000 vouchersSpend Retail 1 Lakh annual / Get e-voucher 
Fuel Surcharge Waiver1% Waiver / Purchasing Fuel 500 to 4000 / Maximum Rs 2501% Waiver / Purchasing Fuel 500 to 3000 / Maximum Rs 100
Cyber Fraud InsuranceRs 2 Lacs Cyber fraud Insurance coverNA
Joining FeeRs. 1500Rs. 500
Renewal FeeRs. 1500Rs. 500
Joining Fee WaiverNANA
Renewal Fee WaiverAnnual Spend 2 Lacs- Renewal Fee ReversalNA

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.

SBI Card Prime

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.

CashBack SBI Card

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.

Paytm SBI Card Select

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.