SBI credit cards compared
Every active SBI credit card in the CardMasters catalogue, ordered by recurring annual fee, with the reward rate, caps, exclusions and forex markup that decide real value. CardMasters is independent of SBI.
SBI credit cards at a glance
CardMasters tracks 7 active SBI credit cards, 7 of them with a dated issuer-source check as of 2026-08-01. The lowest paid annual fee is ₹499 on Paytm SBI Card. The highest recorded annual fee is ₹4,999 on SBI Card ELITE. Approval and final terms remain at SBI's discretion.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
Paytm SBI Card
₹499 + GST
1 Reward Point per ₹100 on eligible spends, including UPI; minimum eligible transaction ₹100
3.5%
Visa
Best suited to: paytm ecosystem, cashback, first card. Recorded exclusions: fuel, wallet load, balance transfer, cash advance, easy money, encash, dial a draft, atm withdrawal.
Review rewards, caps, fees and issuer evidence →SimplyCLICK SBI Card
₹499 + GST
1 Reward Point per ₹100 on eligible spends
3.5%
Visa, Mastercard, RuPay
Best suited to: online shopping, first card, low fee. Recorded exclusions: fuel, rent, wallet load, government, digital gaming, cash advance.
Review rewards, caps, fees and issuer evidence →Cashback SBI Card
₹999 + GST
1% cashback on eligible offline point-of-sale spend
3.5%
Visa, RuPay
Best suited to: online shopping, cashback, first card. Recorded exclusions: fuel, rent, wallet load, utility, insurance, school, jewellery, railways.
Review rewards, caps, fees and issuer evidence →BPCL SBI Card OCTANE
₹1,499 + GST
1% in Reward Points
3.5%
Visa, RuPay
Best suited to: fuel, daily commuter. Recorded exclusions: fuel, wallet load, non BPCL fuel.
Review rewards, caps, fees and issuer evidence →IRCTC SBI Card Premier
₹1,499 + GST
1 Reward Point per ₹125 on eligible non-fuel retail purchases
3.5%
Visa, RuPay
Best suited to: train travel, frequent rail commuter. Recorded exclusions: fuel, rent, wallet load.
Review rewards, caps, fees and issuer evidence →SBI Card ELITE
₹4,999 + GST
2 Reward Points per ₹100 on eligible spends
1.99%
Visa, Mastercard
Best suited to: movies, dining, low forex. Recorded exclusions: balance transfer, balance transfer emi, flexipay, cash advance, easy money, encash, dial a draft, atm withdrawal.
Review rewards, caps, fees and issuer evidence →SBI Card MILES ELITE
₹4,999 + GST
2 Travel Credits per ₹200 on eligible other spend
1.99%
Mastercard, RuPay
Best suited to: miles transfer, travel, low forex. Recorded exclusions: fuel, wallet load, rent, education, utility, insurance, quasi cash, cash advance.
Review rewards, caps, fees and issuer evidence →SBI credit card FAQs
How many credit cards does SBI offer?
CardMasters records 7 active SBI credit cards in the 2026-08-01 catalogue release, 7 of which have a dated issuer-source verification. Issuers can add, reprice or withdraw cards at any time.
Which SBI credit card has no annual fee?
No SBI card in the current CardMasters record is free of an annual fee, though several publish a spend-based waiver. Check each card page for the waiver threshold.
Which is the best SBI credit card?
There is no single best card. Value depends on your spend mix, the cards you already hold, realistic redemption value and approval fit. Compare fee, accelerated categories, caps and exclusions on each SBI card page, then check the net value against your own wallet.
Is CardMasters affiliated with SBI?
No. CardMasters is independent, is not a bank or lender, and affiliate commission never affects the ordering or evaluation of any SBI card. Card approval, credit limit and final pricing rest solely with the issuer.