SBI credit cards we compare
10 SBI cards side by side, and which one suits each kind of spend. Facts from SBI's own pages.
10 cards · last verified 19 Oct 2026 · how we compare
All SBI cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| BPCL SBI Card OCTANEFuel card: 25 points per ₹100 at BPCL pumps (6.25% back, plus a 1% surcharge waiver), 10 points per ₹100 on groceries, departmental stores, dining and movies (2.5%), and 1 point per ₹100 elsewhere (0.25%). Points are worth ₹0.25 each as free BPCL fuel; BPCL fuel points stop at 2,500 a statement cycle. | ₹1,499 joining, ₹1,499 a year | 0.25% | Yes | 4 domestic a year | Fuel, UPI and RuPay, Movies and dining, Airport lounge access | View on SBI Card siteIssuer's site. We don't earn from this card. |
| CASHBACK SBI CardFlat cashback card: 5% on online spends and 1% on offline spends, capped at ₹4,000 a statement cycle. | ₹999 joining, ₹999 a year | 1% | No | None | Online shopping and groceries, Cashback, Movies and dining | Apply nowVia our referral partner. We may earn a commission. |
| PhonePe SBI Card PURPLEReward points worth ₹1 each: 3% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 2% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions. | ₹499 joining, ₹499 a year | 1% | Yes | None | Online shopping and groceries, UPI and RuPay, Bills and utilities | View on PhonePe siteIssuer's site. We don't earn from this card. |
| PhonePe SBI Card SELECT BLACKReward points worth ₹1 each: 10% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 5% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions. | ₹1,499 joining, ₹1,499 a year | 1% | Yes | 4 domestic a year | Online shopping and groceries, UPI and RuPay, Movies and dining, Bills and utilities, Airport lounge access | View on PhonePe siteIssuer's site. We don't earn from this card. |
| SBI Card ELITEPremium lifestyle card: 10 points per ₹100 on dining, grocery and departmental stores (about 2.5% back), free movie tickets worth up to ₹6,000 a year, 1.99% forex markup and lounge access. | ₹4,999 joining, ₹4,999 a year | 0.5% | No | 8 domestic + 6 international a year | Movies and dining, Travel and lounges, Airport lounge access, Premium | Apply nowVia our referral partner. We may earn a commission. |
| SBI Card MILES ELITEPremium travel card: 6 Travel Credits per ₹200 on travel and 2 per ₹200 elsewhere, 1.99% forex markup, domestic and Priority Pass lounge visits. | ₹4,999 joining, ₹4,999 a year | 0.5% | Yes | 8 domestic + 6 international a year | Travel and lounges, Airport lounge access, Premium | Apply nowVia our referral partner. We may earn a commission. |
| SBI Card PRIMEPremium rewards card: 10 points per ₹100 on dining, movies, grocery and departmental stores (about 2.5% back), 2 points per ₹100 elsewhere, plus lounge visits and milestone vouchers. | ₹2,999 joining, ₹2,999 a year | 0.5% | No | 8 domestic + 4 international a year | Movies and dining, Airport lounge access, Premium | Apply nowVia our referral partner. We may earn a commission. |
| SBI Card PULSEHealth and lifestyle card: 10 points per ₹100 on pharmacy, dining, movies and sports (about 2.5% back), 2 points per ₹100 elsewhere, plus a smartwatch welcome gift and FITPASS PRO and Netmeds First memberships. | ₹1,499 joining, ₹1,499 a year | 0.5% | No | 4 domestic a year | Movies and dining, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
| SimplyCLICK SBI CardOnline-shopping rewards card: 10X points at partner sites, 5X on other online spends, plus ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh online spends. | ₹499 joining, ₹499 a year | – | No | None | Online shopping and groceries | Apply nowVia our referral partner. We may earn a commission. |
| SimplySAVE SBI CardEveryday spends card: 10X points on dining, movies, grocery and departmental stores (about 1.67% back), 1 point per ₹150 elsewhere. | ₹499 joining, ₹499 a year | 0.17% | No | None | Movies and dining | Apply nowVia our referral partner. We may earn a commission. |
Base rate is the value back on everyday spends at SBI's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which SBI card for which spend
- FuelBPCL SBI Card OCTANE6.25% on fuel · #2 of 5 cards we compare · see all fuel cards
- Online shopping and groceriesCASHBACK SBI Card5% on online shopping · #1 of 23 cards we compare · see all online shopping and groceries cards
- UPI and RuPayPhonePe SBI Card PURPLE1% on UPI · #14 of 30 cards we compare · see all UPI and RuPay cards
- CashbackCASHBACK SBI Card5% on online shopping · #1 of 15 cards we compare · see all cashback cards
- Movies and diningCASHBACK SBI Card5% on dining and food delivery · #5 of 29 cards we compare · see all movies and dining cards
- Bills and utilitiesPhonePe SBI Card SELECT BLACK10% on bills and utilities · #2 of 16 cards we compare · see all bills and utilities cards
- Travel and loungesSBI Card MILES ELITE1.5% on travel · #11 of 24 cards we compare · see all travel and lounges cards
- Airport lounge accessSBI Card ELITE8 domestic + 6 international a year · #15 of 38 cards we compare · see all airport lounge access cards
- PremiumSBI Card PRIME₹2,999 joining, ₹2,999 a year · #12 of 18 cards we compare · see all premium cards
Compare side by side
- CASHBACK SBI Card vs Flipkart Axis Bank Credit Card
- CASHBACK SBI Card vs HDFC Bank Millennia Credit Card
- CASHBACK SBI Card vs HSBC Live+ Credit Card
- CASHBACK SBI Card vs SimplyCLICK SBI Card
- HDFC Bank Regalia Gold Credit Card vs SBI Card ELITE
- ICICI Bank Coral RuPay Credit Card vs SimplySAVE SBI Card
- SBI Card ELITE vs SBI Card PRIME
- SimplyCLICK SBI Card vs SimplySAVE SBI Card
- SimplySAVE SBI Card vs Tata Neu Plus HDFC Bank Credit Card
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Which SBI credit card is lifetime free?
None of the SBI cards we compare is lifetime free; most waive the annual fee above a yearly spend, shown on each card's page.
Which SBI credit card works on UPI?
BPCL SBI Card OCTANE, PhonePe SBI Card PURPLE, PhonePe SBI Card SELECT BLACK and SBI Card MILES ELITE. They're RuPay cards, so they can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which SBI credit card gives airport lounge access?
SBI Card ELITE (8 domestic + 6 international a year); SBI Card MILES ELITE (8 domestic + 6 international a year); SBI Card PRIME (8 domestic + 4 international a year); BPCL SBI Card OCTANE (4 domestic a year); PhonePe SBI Card SELECT BLACK (4 domestic a year); SBI Card PULSE (4 domestic a year). Most cards now need a minimum spend to unlock visits; see the lounge page for each card's condition.
What income do I need for an SBI credit card?
SBI doesn't publish a minimum income for these cards; approval depends on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from SBI's own pages and terms, last verified 19 Oct 2026. It may not be every SBI card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.