Best SBI Credit Cards in India 2020

SBI provides consumers with great credit cards that offer some of the best rewards and benefits when compared to other banks across India. After researching hundreds of cards, our team at ValueChampion has consolidated a list of SBI credit cards that offer consumers with the most value within their respective categories.

Best Travel Rewards:
Best Shopping Cards:
Best Online Shopping:
Best Utilities Cards:
Best Premium Cards:
Best Railway Transactions Cards:

Best SBI Travel Rewards Cards

Travel rewards cards are great for individuals that tend to fly often. Finding the right card to match your specific travel needs can significantly impact the cost and experience of your trip, this section has great SBI travel credit cards that can work for you.

Best Air India Miles Card: Air India SBI Signature Credit Card

  • 13.5% on Air India flight bookings
  • Promotions: Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
  • Read Our Review
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.

The Air India SBI Signature Card is the ideal card for those who are looking for a great miles card with solid earnings across all categories and also tend to fly Air India. The first set of earnings that consumers receive is the highest rewards rate for any airline offered on the market at 13.5% (30 points per Rs. 100 spent, 1 Reward Point = 1 Airline Mile = Rs. 0.45). Following this, the cardholder will receive a great 1.8% rewards rate (4 points on Rs. 100 spends) on all other spending categories. Therefore, this is one of the top cards on the market for general spending.

Moreover, this card offers cardholders the largest sign-up bonus among any credit card in our review, which helps offset the annual fee. Furthermore, high spenders are given an opportunity to earn as much as 50,000 points (Rs. 22,500) once reaching certain spends. As a result of the high rates and great benefits, this card is clearly the best choice for any consumer who frequently travels with Air India.

SpendAdditional RewardsCumulative Rewards
₹ 500,00020,000 points20,000 points
₹ 1,000,00030,000 points50,000 points
₹ 2,000,00050,000 points100,000 points
  • 13.5% on Air India flight bookings
  • Promotions: Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
  • Read Our Review
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.
The Air India SBI Signature Card is the ideal card for those who are looking for a great miles card with solid earnings across all categories and also tend to fly Air India. The first set of earnings that consumers receive is the highest rewards rate for any airline offered on the market at 13.5% (30 points per Rs. 100 spent, 1 Reward Point = 1 Airline Mile = Rs. 0.45). Following this, the cardholder will receive a great 1.8% rewards rate (4 points on Rs. 100 spends) on all other spending categories. Therefore, this is one of the top cards on the market for general spending.


Moreover, this card offers cardholders the largest sign-up bonus among any credit card in our review, which helps offset the annual fee. Furthermore, high spenders are given an opportunity to earn as much as 50,000 points (Rs. 22,500) once reaching certain spends. As a result of the high rates and great benefits, this card is clearly the best choice for any consumer who frequently travels with Air India.

SpendAdditional RewardsCumulative Rewards
₹ 500,00020,000 points20,000 points
₹ 1,000,00030,000 points50,000 points
₹ 2,000,00050,000 points100,000 points

Best Air India Travel Card: Air India SBI Platinum Credit Card

  • 6.75% on Air India flight bookings
  • Promotions: Sign-up Bonus: 5,000 points (₹ 2,250)
  • Anniversary Bonus: 2,000 points (₹ 900)
  • By spending ₹ 300,000 cardholder receives 10,000 points, by spending ₹ 200,000 cardholder receives 5,000 (₹ 6,750)
  • Read Our Review
  • Annual Fee: Rs. 1,499
  • Reward Earn Rate: 2 points per Rs. 100 on all spends (including grocery & dining), 15 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.
The Air India SBI Platinum Card is a great option for individuals looking for a low-fee Air India miles card with solid rates and benefits. For example, consumers who acquire this card will receive an Air India booking rewards rate of 6.75% (15 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45), which is higher than many other credit cards that offer specific airline rewards. Furthermore, on general spending the card receives a decent rewards rate of 0.90% (2 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45), which is not the best among other miles cards on the market.


However, the Air India SBI Platinum Card offers great sign-up and anniversary bonuses that can help offset the unavoidable annual fee that cardholders incur. Furthermore, high spenders that cross the spending limit have an opportunity to gain additional reward points. Even with the 6.75% rate on bookings and solid benefits, there are better low-fee travel cards on the market. However, this can be seen as the best low-fee Air India card—perfect for consumers looking to Air India miles without the high-fee of the Air India Signature card.

  • 6.75% on Air India flight bookings
  • Promotions: Sign-up Bonus: 5,000 points (₹ 2,250)
  • Anniversary Bonus: 2,000 points (₹ 900)
  • By spending ₹ 300,000 cardholder receives 10,000 points, by spending ₹ 200,000 cardholder receives 5,000 (₹ 6,750)
  • Read Our Review
  • Annual Fee: Rs. 1,499
  • Reward Earn Rate: 2 points per Rs. 100 on all spends (including grocery & dining), 15 points per Rs. 100 spent on travel bookings.
  • Estimated Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • International Airport Luxury Lounge Access to over 600 airport lounges with the Priority Pass Program
  • Visa Lounge Access Program in India at major domestic airports
  • 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of worth Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle).
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay.
The Air India SBI Platinum Card is a great option for individuals looking for a low-fee Air India miles card with solid rates and benefits. For example, consumers who acquire this card will receive an Air India booking rewards rate of 6.75% (15 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45), which is higher than many other credit cards that offer specific airline rewards. Furthermore, on general spending the card receives a decent rewards rate of 0.90% (2 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45), which is not the best among other miles cards on the market.


However, the Air India SBI Platinum Card offers great sign-up and anniversary bonuses that can help offset the unavoidable annual fee that cardholders incur. Furthermore, high spenders that cross the spending limit have an opportunity to gain additional reward points. Even with the 6.75% rate on bookings and solid benefits, there are better low-fee travel cards on the market. However, this can be seen as the best low-fee Air India card—perfect for consumers looking to Air India miles without the high-fee of the Air India Signature card.

Domestic Hotel Bookings: Yatra SBI Credit Card

  • 6 discounts of up to 20% off flight and hotel bookings each year
  • Promotions: Sign-Up Bonus: 7 Yatra vouchers totaling ₹ 8,250 (flights, hotels, holiday packages)
  • Anniversary Benefit: ₹ 1,000 off on domestic flight bookings (min. transaction of ₹ 5,000) and ₹ 4,000 off on international flight bookings (min. transaction of ₹ 40,000)
  • 20% off domestic hotels with a min.transaction of ₹ 3,000. Max. discount of ₹ 2,000
  • Read Our Review
  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month

The Yatra SBI Credit Card is a great option for consumers who prefer to book their domestic hotel stays on Yatra. To start, the card offers a decent rewards rate of 1.5% (6 Reward Points per Rs. 100, 25% redemption rate for Yatra vouchers) on retail, groceries, dining, entertainment and international transactions, which can be redeemed for Yatra purchases. On other spending categories, including travel bookings, the card earns a rewards rate of 0.25% (1 point per Rs. 100), which is below average.

Furthermore, consumers are also offered 6 discounts of up to 20% off domestic hotel bookings per calendar year. As a result, this is a decent travel card and is best suited for a niche group of consumers looking to book domestic hotels, rather than those seeking competitive overall rewards or flight specific rewards.

Minimum SpendDiscount on Flight Bookings
₹ 5,000₹ 1,000
₹ 40,000₹ 5,000
  • 6 discounts of up to 20% off flight and hotel bookings each year
  • Promotions: Sign-Up Bonus: 7 Yatra vouchers totaling ₹ 8,250 (flights, hotels, holiday packages)
  • Anniversary Benefit: ₹ 1,000 off on domestic flight bookings (min. transaction of ₹ 5,000) and ₹ 4,000 off on international flight bookings (min. transaction of ₹ 40,000)
  • 20% off domestic hotels with a min.transaction of ₹ 3,000. Max. discount of ₹ 2,000
  • Read Our Review
  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month
The Yatra SBI Credit Card is a great option for consumers who prefer to book their domestic hotel stays on Yatra. To start, the card offers a decent rewards rate of 1.5% (6 Reward Points per Rs. 100, 25% redemption rate for Yatra vouchers) on retail, groceries, dining, entertainment and international transactions, which can be redeemed for Yatra purchases. On other spending categories, including travel bookings, the card earns a rewards rate of 0.25% (1 point per Rs. 100), which is below average.

Furthermore, consumers are also offered 6 discounts of up to 20% off domestic hotel bookings per calendar year. As a result, this is a decent travel card and is best suited for a niche group of consumers looking to book domestic hotels, rather than those seeking competitive overall rewards or flight specific rewards.

Minimum SpendDiscount on Flight Bookings
₹ 5,000₹ 1,000
₹ 40,000₹ 5,000

Best Overall Shopping Card: SBI FBB STYLEUP Credit Card

  • 10% off and an additional 2.5% rewards rate on Big Bazaar spends
  • Promotions: Sign-Up Bonus: ₹ 500 FBB gift voucher
  • Renewal Benefit: 2,000 Reward Points (worth ₹ 500)
  • Read Our Review
  • Annual Fee: Rs. 499
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000
The FBB SBI STYLEUP Card is the best shopping card for consumers looking to shop at Big Bazaar. First, the card offers an excellent flat discount of 10% on all FBB or Big Bazaar transactions. Additionally, the card offers a rewards rate of 2.5% for shopping at both of these retailers (10 points per Rs. 100 spent, 1 point = Rs. 0.25). This rewards rate also applies to Food Bazaar, a subsidiary of Big Bazaar.


Moreover, the SBI FBB STYLEUP Card provides consumers with an opportunity to offset the Rs. 499 annual fee through a competitive sign-up bonus. The only downside of the FBB STYLEUP card, is that it offers a low 0.25% rewards rate (1 point per Rs. 100, 1 point = Rs. 0.25) on all other spending categories. Still, this is an excellent shopping card and the best option for Big Bazaar and FBB purchases.

  • 10% off and an additional 2.5% rewards rate on Big Bazaar spends
  • Promotions: Sign-Up Bonus: ₹ 500 FBB gift voucher
  • Renewal Benefit: 2,000 Reward Points (worth ₹ 500)
  • Read Our Review
  • Annual Fee: Rs. 499
  • Welcome Gift: Rs. 500 FBB gift voucher
  • Renewal Gift: 2,000 Reward Points
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000
The FBB SBI STYLEUP Card is the best shopping card for consumers looking to shop at Big Bazaar. First, the card offers an excellent flat discount of 10% on all FBB or Big Bazaar transactions. Additionally, the card offers a rewards rate of 2.5% for shopping at both of these retailers (10 points per Rs. 100 spent, 1 point = Rs. 0.25). This rewards rate also applies to Food Bazaar, a subsidiary of Big Bazaar.


Moreover, the SBI FBB STYLEUP Card provides consumers with an opportunity to offset the Rs. 499 annual fee through a competitive sign-up bonus. The only downside of the FBB STYLEUP card, is that it offers a low 0.25% rewards rate (1 point per Rs. 100, 1 point = Rs. 0.25) on all other spending categories. Still, this is an excellent shopping card and the best option for Big Bazaar and FBB purchases.

Best Online Shopping Credit Cards

These are the best SBI online shopping cards in our review. If you find yourself purchasing things from e-commerce sites often, then this section may be for you.

Best Credit Card for Big Basket: SBI Card PRIME

  • 3.75% on Big Basket, 5% utilities
  • Promotions: Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000
  • Read Our Review
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
The SBI Card PRIME is great for individuals that are looking for a card to use on multiple spending categories and tend to shop online, specifically on Big Basket (online food delivery and groceries). SBI Card Prime earns cardholders a 3.75% rewards rate (15 points per Rs. 100, 1 point = Rs. 0.25), the best rate for Big Basket among any competitor. The SBI Card Prime also offers great earnings on dining, groceries, department stores, and movies with a rewards rate of 2.50% (10 points per Rs. 100 5x the base rate). Additionally, the card earns 5% (20 points per Rs. 100 spent (cap of Rs. 3,000 per month)) on utilities spending, making it a versatile option.


Furthermore, the card has a good sign-up bonus to use at select merchants (Bata/Hush Puppies, Pantaloons, Shoppers Stop and Yatra). High spenders can accumulate more reward points by achieving certain spend thresholds. Therefore, this is a great card to use on multiple spending categories, especially Big Basket and utility bill spending.

  • 3.75% on Big Basket, 5% utilities
  • Promotions: Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000
  • Read Our Review
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
The SBI Card PRIME is great for individuals that are looking for a card to use on multiple spending categories and tend to shop online, specifically on Big Basket (online food delivery and groceries). SBI Card Prime earns cardholders a 3.75% rewards rate (15 points per Rs. 100, 1 point = Rs. 0.25), the best rate for Big Basket among any competitor. The SBI Card Prime also offers great earnings on dining, groceries, department stores, and movies with a rewards rate of 2.50% (10 points per Rs. 100 5x the base rate). Additionally, the card earns 5% (20 points per Rs. 100 spent (cap of Rs. 3,000 per month)) on utilities spending, making it a versatile option.


Furthermore, the card has a good sign-up bonus to use at select merchants (Bata/Hush Puppies, Pantaloons, Shoppers Stop and Yatra). High spenders can accumulate more reward points by achieving certain spend thresholds. Therefore, this is a great card to use on multiple spending categories, especially Big Basket and utility bill spending.

Best Credit Card for Amazon: SBI SimplyCLICK

  • 2.50% on Amazon, 1.25% on all online spends
  • Promotions: Sign-up bonus of ₹ 500 Amazon.in gift card
  • ₹ 2,000 Cleartrip voucher each on annual online spend of ₹ 100,000 and ₹ 200,000 per year
  • Read Our Review
  • Annual Fee: Rs. 499 ( first-year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spend
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)
The SimplyCLICK SBI Card is the best card for consumers who tend to make purchases on Amazon. To start off, the card earns a fairly high rewards rate of 2.50% (10 points per Rs. 100 spent, 4 points = Rs. 1) on Amazon, Cleartrip, Foodpanda and BookMyShow, Lenskart and UrbanClap. The card also offers a good sign-up bonus that is offered as Amazon vouchers. Moreover, the SBI SimplyCLICK offers a solid rewards rate of 1.25% on all other online purchases (5 points per Rs. 100, 4 points = Rs. 1). Unfortunately, the card has a lower rewards rate 0.25% (1 point per Rs. 100, 4 points = Rs. 1) on all other spending categories. Furthermore, the card has a travel promotion for high spenders that can be achieved after passing certain bi-annual spending thresholds. In all, this card is best suited for consumers that are looking for a card that can be used on Amazon and other online retailers.
  • 2.50% on Amazon, 1.25% on all online spends
  • Promotions: Sign-up bonus of ₹ 500 Amazon.in gift card
  • ₹ 2,000 Cleartrip voucher each on annual online spend of ₹ 100,000 and ₹ 200,000 per year
  • Read Our Review
  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spend
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)
The SimplyCLICK SBI Card is the best card for consumers looking to acquire a card for multiple retailers, including Amazon spending. To start off, the card earns a fairly high rewards rate of 2.50% (10 points per Rs. 100 spent, 4 points = Rs. 1) on Amazon, Cleartrip, Foodpanda and BookMyShow, Lenskart and UrbanClap. The card also offers a good sign-up bonus that is offered as Amazon vouchers. The SBI SimplyCLICK also does well with all other online purchases with a rewards rate of 1.25% (5 points per Rs. 100, 4 points = Rs. 1). Unfortunately, the card has a lower rewards rate 0.25% (1 point per Rs. 100, 4 points = Rs. 1) on all other spending categories. Furthermore, the card has a travel promotion for high spenders that can be achieved after passing certain bi-annual spending thresholds. In all, this card is best suited for consumers that are looking for a card that can be used on multiple categories, mostly Amazon.

Best Credit Card for Utility Bills: SBI Card PRIME

  • 5% utilities, 3.75% on Big Basket
  • Promotions: Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000
  • Read Our Review
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
The SBI Card PRIME is the best option for utility bill spending in India. The card earns cardholders a great 5% back (20 points per Rs. 100 spent; 4 points = Rs. 1 cashback) on all utility payments, the highest rate on utility bills across India. Furthermore, the card does very well on spending at Big Basket with a rewards rate of 3.75% (15 points per Rs. 100 spent). Additionally, the card continues to offer the cardholder with high earnings in the dining groceries, department stores and movie spending categories with a rewards rate of 2.50% (10 points per Rs. 100 spent). Unfortunately; however, the SBI Card PRIME does not earn as high on all other spends a rewards rate of 0.50% (2 points per Rs. 100).


On the flipside, the card has great benefits as well. For example, the card offers a great promotion in the form of Yatra vouchers or other brands. Moreover, the cardholder will be eligible for an annual perk of 4 free international and 8 free domestic airport lounge visits. This card will do well for any consumer looking for an excellent utility bill payment card as well as a card to use on multiple other spending categories.

  • 5% utilities, 3.75% on Big Basket
  • Promotions: Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra and ₹ 500 Pizza Hut voucher
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000
  • Read Our Review
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
The SBI Card PRIME is the best option for utility bill spending in India. The card earns cardholders a great 5% back (20 points per Rs. 100 spent; 4 points = Rs. 1 cashback) on all utility payments, the highest rate on utility bills across India. Furthermore, the card does very well on spending done on Big Basket and select Reliance brands (grocery, retail and footwear) with a rewards rate of 3.75% (15 points per Rs. 100 spent). Additionally, the card continues to offer the cardholder with high earnings in the dining groceries, department stores and movie spending categories with a rewards rate of 2.50% (10 points per Rs. 100 spent). Unfortunately; however, the SBI Card PRIME does not earn as high on all other spends a rewards rate of 0.50% (2 points per Rs. 100).


On the flipside, the card has great benefits as well. For example, the card offers a great promotion in the form of Yatra vouchers or other brands. Moreover, the cardholder will be eligible for an annual perk of 4 free international and 8 free domestic airport lounge visits. This card will do well for any consumer looking for an excellent utility bill payment card as well as a card to use on multiple other spending categories.

Best SBI Premium Credit Card: SBI Card ELITE

  • 2.50% on dining, groceries and retail spending
  • Promotions: Sign-Up Bonus: ₹ 5,000 e-voucher
  • Anniversary Bonus: 10,000 bonus points on achieving annual spends of ₹ 3 lakhs and 20,000 on ₹ 4 lakhs
  • Anniversary Bonus: Earn 15,000 bonus points on achieving annual spends of ₹ 5 lakhs and ₹ 8 lakhs
  • Read Our Review
  • Annual Fee: Rs. 4,999 (can be waived with annual spends of Rs. 10 lakhs)
  • Reward Rates: 2 points per Rs. 100 on all spending categories; 10 points per Rs. 100 on dining, groceries and retail spending; 9 points per Rs. 100 on Vistara flights
  • Point Value: 1 point = Rs. 0.25
  • Travel: 6 international airport lounge visits per year (maximum of 2 visits per quarter) and 2 domestic airport lounge visits per year
  • Movies: 2 free movie tickets per month (maximum discount of ₹ 250/ ticket for 2 tickets)
  • Others: 10% instant savings on bookings through hotel website, receive a Club Vistara Membership and Trident Privilege Membership,
  • Foreign Transactions: Lowest forex markup of 1.99%
  • Fuel: 1% Fuel Surcharge Waiver across all petrol pumps (max surcharge waiver of ₹ 250 per month)
The SBI Card ELITE is the best premium credit card offered by the State Bank of India due to its elevated earnings rate on specific categories and excellent benefits. The card offers 5x rewards for cardholders, which equates to a rewards rate of 2.50% (10 points per Rs. 100, 1 point = Rs. 0.25) on dining, groceries and retail spending. However, on all other spending categories the card earns a lower rate of 0.50% (2 points per Rs. 100, 1 point = Rs. 0.25). Finally, the card earns a 2.25% rewards rate on all Vistara flights (9 points per Rs. 100, 1 point = Rs. 0.25). Unfortunately, when comparing this card to other premium options on the market, the rewards rates are not very competitive


In terms of promotions, the card offers excellent benefits to high spenders. For instance, cardholders will be eligible for two opportunities to receive excellent bonus points after surpassing a certain spending limit. All things considered, this is not the best premium card available in India, but is a suitable option for those who seek a premium card from SBI, exclusively.

  • 2.50% on dining, groceries and retail spending
  • Promotions: Sign-Up Bonus: ₹ 5,000 e-voucher
  • Anniversary Bonus: 10,000 bonus points on achieving annual spends of ₹ 3 lakhs and 20,000 on ₹ 4 lakhs
  • Anniversary Bonus: Earn 15,000 bonus points on achieving annual spends of ₹ 5 lakhs and ₹ 8 lakhs
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  • Annual Fee: Rs. 4,999 (can be waived with annual spends of Rs. 10 lakhs)
  • Reward Rates: 2 points per Rs. 100 on all spending categories; 10 points per Rs. 100 on dining, groceries and retail spending; 9 points per Rs. 100 on Vistara flights
  • Point Value: 1 point = Rs. 0.25
  • Travel: 6 international airport lounge visits per year (maximum of 2 visits per quarter) and 2 domestic airport lounge visits per year
  • Movies: 2 free movie tickets per month (maximum discount of ₹ 250/ ticket for 2 tickets,
  • Others: 10% instant savings on bookings through hotel website, receive a Club Vistara Membership and Trident Privilege Membership,
  • Foreign Transactions: Lowest forex markup of 1.99%
  • Fuel: 1% Fuel Surcharge Waiver across all petrol pumps (max surcharge waiver of ₹ 250 per month)
The SBI Card ELITE is the best premium credit card offered by the State Bank of India due to its elevated earnings rate on specific categories and excellent benefits. The card offers 5x rewards for cardholders, which equates to a rewards rate of 2.50% (10 points per Rs. 100, 1 point = Rs. 0.25) on dining, groceries and retail spending. However, on all other spending categories the card earns a lower rate of 0.50% (2 points per Rs. 100, 1 point = Rs. 0.25). Unfortunately, when comparing this card to other premium options on the market, the rewards rates are not very competitive


In terms of promotions, the card offers excellent benefits to high spenders. For instance, cardholders will be eligible for two opportunities to receive excellent bonus points after surpassing a certain spending limit. All things considered, this is not the best premium card available in India, but is a suitable option for those who seek a premium card from SBI, exclusively.

Best SBI Railway Credit Card: IRCTC SBI Platinum

  • Save 1.8% transaction charges on railway ticket bookings via irctc, buy tickets through irctc.co.in for AC1, AC2, AC3 and AC CC and earn up to 10% reward points
  • Promotions: Sign-Up Bonus: 350 points on ₹ 500 single transaction (excluding fuel) in first 45 days
  • Annual Fee: Rs. 500 (first year), Rs. 300 (beyond)
  • Rail Reward Rate: 10% on IRCTC website bookings (applicable for AC1, AC2, AC3, EC, CC)
  • Other Reward Rate: 1 point per Rs. 125 spent on non-fuel retail purchases
  • Point Value: 1 point = Rs. 1 IRCTC voucher
  • Rail Surcharge: Waived on IRCTC website bookings; Rs. 30 + 2.5% of transactions booked at counter
  • Fuel Surcharge Waiver: Transactions Rs. 500–3,000 (max Rs. 100 waived per cycle)
The IRCTC SBI Platinum credit card is the best card in India for consumers that frequently make railway bookings. Through the card, consumers earn an annual 10% back on AC1, AC2, AC3, EC and CC. Furthermore, purchased in all other spending categories will earn a low yet decent rewards rate of 0.80% (1 point for every Rs. 125 spent, 1 point = Rs. 1 IRCTC voucher). The IRCTC SBI Platinum credit card is ideal for consumers who frequently travel via rail due to its high value back on ticket purchases and rail surcharge waiver.
  • Save 1.8% transaction charges on railway ticket bookings via irctc
  • Earn up to 10% reward points AC1, AC2, AC3 and AC CC
  • Promotions: Sign-Up Bonus: 350 points on ₹ 500 single transaction (excluding fuel) in first 45 days
  • Annual Fee: Rs. 500 (first year), Rs. 300 (beyond)
  • Rail Reward Rate: 10% on IRCTC website bookings (applicable for AC1, AC2, AC3, EC, CC)
  • Other Reward Rate: 1 point per Rs. 125 spent on non-fuel retail purchases
  • Point Value: 1 point = Rs. 1 IRCTC voucher
  • Rail Surcharge: Waived on IRCTC website bookings; Rs. 30 + 2.5% of transactions booked at counter
  • Fuel Surcharge Waiver: Transactions Rs. 500–3,000 (max Rs. 100 waived per cycle)
The IRCTC SBI Platinum credit card is the best card in India for consumers that frequently make railway bookings. Through the card, consumers earn an annual 10% back on AC1, AC2, AC3, EC and CC. Furthermore, purchased in all other spending categories will earn a low yet decent rewards rate of 0.80% (1 point for every Rs. 125 spent, 1 point = Rs. 1 IRCTC voucher). The IRCTC SBI Platinum credit card is ideal for consumers who frequently travel via rail due to its high value back on ticket purchases and rail surcharge waiver.
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.