Looking for the best SBI credit card? SBI Card has issued cards to over 2.27 crore Indians, and its lineup runs from entry-level cashback cards to premium travel cards. With 12 cards to choose from, the wrong pick can mean paying a fee for benefits you will never use. This guide compares all 12 SBI cards on fees, rewards and who each one suits, so you can decide in one place.
This guide breaks down all 12 of SBI’s current cards — what each one costs, what it actually pays back, and who it fits — so you can decide right here, without opening a dozen different tabs.
Table of Contents
Quick Comparison — Best SBI Credit Cards at a Glance
BPCL SBI Credit Card
BPCL SBI Octane Credit Card
Flipkart SBI Credit Card
SBI Cashback Credit Card
SBI Elite Credit Card
SBI IRCTC RuPay Credit Card
SBI Miles Credit Card
SBI Prime Credit Card
SBI SimplyCLICK Credit Card
SBI SimplySAVE Credit Card
Tata Neu Infinity SBI Credit Card
Tata Neu Plus SBI Credit Card
| Card | Best For | Top Rate | Annual Fee | Forex |
|---|---|---|---|---|
| SBI Cashback | Online shopping | 5% all online | ₹999 | 3.5% |
| Flipkart SBI | Flipkart & Myntra | 7.5% Myntra | ₹500 | 3.5% |
| SimplyCLICK | Multi-platform online | 10X on 10 partners | ₹499 | 3.5% |
| SimplySAVE | Entry-level offline | 10 pts/₹150 (grocery/dining) | ₹499 | 3.5% |
| Prime | Lifestyle + travel | 10 pts/₹150 + lounge | ₹2,999 | 3.5% |
| Elite | Premium all-rounder | 5X dining/grocery + lounge | ₹4,999 | 1.99% |
| Miles | Travel redemption | 2 credits/₹200 travel | ₹1,499 | 3.5% |
| IRCTC RuPay | Railway travel | 1 pt/₹125 IRCTC | ₹500 | 3.5% |
| BPCL SBI | Moderate fuel use | 4.25% at BPCL | ₹499 | 3.5% |
| BPCL Octane | Heavy fuel use | 7.25% at BPCL | ₹1,499 | 3.5% |
| Tata Neu Plus SBI | Light Tata shopping | Up to 7% NeuCoins | ₹499 | 3.5% |
| Tata Neu Infinity SBI | Heavy Tata + travel | Up to 10% NeuCoins | ₹1,499 | 1.99% |
SBI Cashback Card — Best for Online Shopping
Among the best SBI credit cards for online shopping, this one stands alone — 5% flat cashback on virtually every online merchant, with no brand restrictions.
| Feature | Detail |
|---|---|
| Annual Fee | ₹999 + GST (waived on ₹2L annual spend) |
| Online Spends | 5% — capped ₹5,000/month |
| Offline Spends | 1% — no cap |
| Cashback Credit | Auto-credited within 2 days |
Who it’s for: Multi-platform online shoppers with no single-brand loyalty.
Flipkart SBI Card — Best for Flipkart & Myntra
The highest fashion cashback rate on any card in this lineup — 7.5% on Myntra, 5% on Flipkart.
| Feature | Detail |
|---|---|
| Annual Fee | ₹500 + GST (waived on ₹3.5L annual spend) |
| Myntra | 7.5% — capped ₹4,000/quarter |
| Flipkart & Cleartrip | 5% |
| Preferred Merchants (Zomato, Netmeds) | 4% |
Who it’s for: Regular Flipkart and Myntra shoppers who also use Zomato or Netmeds.
SBI SimplyCLICK — Best for Multi-Platform Online Rewards
10X reward points across 10 major partner platforms — Amazon, Swiggy, BookMyShow, Myntra, Cleartrip, and more.
| Feature | Detail |
|---|---|
| Annual Fee | ₹499 + GST (waived on ₹1L annual spend) |
| Partner Platforms | 10X reward points |
| Other Online Spends | 5X |
| Milestone | ₹2,000 e-voucher at ₹1L and ₹2L annual spend |
Who it’s for: Salaried first-timers shopping regularly across multiple online platforms.
SBI SimplySAVE — Best Entry-Level Offline Card
An entry-level card tailored for everyday offline spending — dining, groceries, movies, and departmental stores.
| Feature | Detail |
|---|---|
| Annual Fee | ₹499 + GST (renewal reversal on annual spend) |
| Dining, Grocery, Movies, Dept. Stores | 10 points/₹150 |
| Other Spends | 1 point/₹150 |
| Welcome Benefit | 2,000 bonus points on ₹2,000 spend within 60 days |
Who it’s for: First-time cardholders whose spending is mostly offline rather than online.
SBI Prime — Best Mid-Premium Lifestyle Card
Strong accelerated earning on dining, groceries, movies, and utility bills, plus lounge access and Club Vistara membership — at a lower fee than Elite.
| Feature | Detail |
|---|---|
| Annual Fee | ₹2,999 + GST (waived on ₹3L annual spend) |
| Dining, Grocery, Movies, Utility | 10 points/₹150 (capped 7,500 pts/month combined) |
| Milestone | Up to ₹11,000 in gift vouchers annually |
| Lounge Access | Complimentary domestic and international visits |
| Extra | Birthday spend bonus (capped 2,000 pts/year) |
Who it’s for: Moderate-to-high spenders in bonus categories who want lounge access without Elite’s higher fee.
SBI Elite — Best Premium All-Rounder
SBI’s strongest general-purpose premium card — free movie tickets worth ₹6,000/year, up to 50,000 bonus points on milestones, and the lowest forex markup in this lineup at 1.99%.
| Feature | Detail |
|---|---|
| Annual Fee | ₹4,999 + GST (waived on ₹10L annual spend) |
| Dining, Grocery, Dept. Stores | 5X points |
| Other Spends (except fuel) | 2 points/₹100 |
| Movie Benefit | ₹250 off, 2 tickets/month — up to ₹6,000/year |
| Milestone | Up to 50,000 bonus points (~₹12,500) annually |
| Lounge Access | 6 international + domestic visits, golf benefits |
| Forex Markup | 1.99% — lowest on any standard SBI card |
Who it’s for: High spenders who can maximise the movie and milestone benefits — an honest note: independent reviewers note the base reward rate is low relative to the ₹4,999 fee, so this card only earns its keep for genuinely high spenders.
SBI Miles — Best for Travel Redemption Flexibility
A travel-focused card earning “Travel Credits” redeemable at up to 1:1 with 20+ airline and hotel partners including Air India, British Airways, and IHG.
| Feature | Detail |
|---|---|
| Annual Fee | ₹1,499 + GST |
| Travel Spends | 2 Travel Credits/₹200 |
| Other Spends | 1 Travel Credit/₹200 |
| Redemption | Up to 1:1 to 20+ airline/hotel partners |
| Network | Visa or RuPay |
Who it’s for: Travellers who value redemption flexibility across many airline partners over a high headline earn rate — the base 1% earn rate is modest, so this card is chosen for redemption options, not accumulation speed.
SBI IRCTC RuPay — Best for Railway Travellers
A low-fee card built specifically for regular train travellers, with fuel surcharge savings layered on top.
| Feature | Detail |
|---|---|
| Annual Fee | ₹500 (low joining fee) |
| IRCTC Bookings | 1 point/₹125 |
| Fuel Surcharge Waiver | Up to ₹1,200/year |
| Renewal Waiver | ₹499 reversal available |
Who it’s for: Frequent train travellers booking through IRCTC’s website regularly.
BPCL SBI Card + BPCL SBI Card Octane — Best for Fuel Savings
Two tiers of the same fuel co-brand — pick based on how much you actually spend on fuel each month.
What Both Cards Share
| Feature | BPCL SBI Card | BPCL SBI Card Octane |
|---|---|---|
| Issuer | SBI + BPCL | SBI + BPCL |
| Redemption | 1 RP = ₹0.25 at BPCL outlets | 1 RP = ₹0.25 at BPCL outlets |
| Fuel Surcharge Waiver | 1% (max ₹100/cycle) | 1% (max ₹100/cycle) |
| Non-Fuel Categories | Grocery, dining, movies | Grocery, dining, movies |
| Network | Visa/RuPay | Visa/RuPay |
Key Differences
| Feature | BPCL SBI Card | BPCL SBI Card Octane |
|---|---|---|
| Annual Fee | ₹499 + GST | ₹1,499 + GST |
| Fuel Value-Back | 4.25% (13X points) | 7.25% (25X points) |
| Non-Fuel Rate | 5X points | 10X points |
| Fee Waiver Threshold | ₹50,000/year | ₹2,00,000/year |
| Lounge Access | None | 4 domestic visits/year |
| Welcome Benefit | 2,000 points (₹500) | 6,000 points (₹1,500) |
Note from personal use: the Octane’s 6,000-point welcome bonus genuinely offsets a meaningful chunk of the ₹1,499 fee in year one, and redeeming points directly at the pump is simple — just inform the attendant before swiping.
Who should pick BPCL SBI Card: Moderate fuel spenders who don’t want a high fee.
Who should pick BPCL SBI Card Octane: Heavy fuel users who can also use the 4 domestic lounge visits.
Tata Neu Plus SBI + Tata Neu Infinity SBI — Best for the Tata Ecosystem
SBI’s two co-branded Tata Neu cards mirror the HDFC versions in concept but differ meaningfully in real terms — notably a lower 1.99% forex markup on Infinity, matching SBI Elite as the lowest in this entire lineup.
What Both Cards Share
| Feature | Tata Neu Plus SBI | Tata Neu Infinity SBI |
|---|---|---|
| Redemption | 1 NeuCoin = ₹1 | 1 NeuCoin = ₹1 |
| Network | RuPay (UPI-enabled) | RuPay (UPI-enabled) |
| Fuel Surcharge Waiver | 1% (₹400-₹5,000) | 1% (₹400-₹5,000) |
| Tata Brand Coverage | BigBasket, Croma, Westside, Tata 1mg, Air India | Same, plus Taj Hotels, Titan, Tanishq |
Key Differences
| Feature | Tata Neu Plus SBI | Tata Neu Infinity SBI |
|---|---|---|
| Annual Fee | ₹499 + GST | ₹1,499 + GST |
| Fee Waiver | ₹1L annual spend | ₹3L annual spend |
| Tata Neu Base Rate | 2% + 5% (up to 7%) | 5% + 5% (up to 10%) |
| Other Spends | 1% | 1.5% |
| Welcome Bonus | 499 NeuCoins | 1,499 NeuCoins |
| Lounge Access | None | 8 domestic + 4 international |
| Forex Markup | 3.5% | 1.99% |
Who should pick Tata Neu Plus SBI: Light-to-moderate Tata ecosystem shoppers who want a low entry fee.
Who should pick Tata Neu Infinity SBI: Heavy Tata shoppers who also travel internationally — the 1.99% forex and lounge access justify the higher fee.
Which SBI Card Should You Choose?
Picking among the best SBI credit cards comes down to matching the card to your top 1-2 spending categories, not the flashiest headline rate.
Online shopper, no brand loyalty → SBI Cashback Card Flipkart & Myntra shopper → Flipkart SBI Multi-platform online shopper (Amazon, Swiggy, BookMyShow) → SimplyCLICK Offline spender — dining, groceries, movies → SimplySAVE (entry) or Prime (higher spend) Want the lowest forex + strongest all-round premium card → SBI Elite Frequent flyer wanting redemption flexibility → SBI Miles Regular train traveller → SBI IRCTC RuPay Fuel-heavy commuter → BPCL SBI Card or Octane, based on monthly fuel spend Tata ecosystem shopper → Tata Neu Plus or Infinity SBI, based on spend level and travel needs
“Among the best SBI credit cards, no single one wins across every category — SBI deliberately built a card for nearly every spending pattern. The mistake is picking based on the fee tier alone instead of your actual top spending category.” — Simplix Finance Desk
FAQs
Which is the best SBI credit card?
It depends on where you spend. SBI Cashback suits online shoppers (5% online, ₹5,000 monthly cap, ₹999 + GST fee). Flipkart SBI suits Flipkart and Myntra buyers. BPCL SBI Octane suits heavy fuel spenders. Match the card to your biggest spending category before you pay any fee.
Which SBI credit card is best for online shopping?
SBI Cashback gives 5% on online spends, capped at ₹5,000 a month. SBI SimplyCLICK gives 10X points on 10 partner platforms for a lower ₹499 + GST fee. Flipkart SBI is better if most of your orders are on Flipkart or Myntra.
Which SBI credit card is best for beginners?
SBI SimplySAVE (₹499 + GST) is the entry-level pick for dining, groceries and movies. If most of your spending is online, SimplyCLICK may fit better. Approval depends on SBI Card’s own assessment, so check eligibility on the SBI Card site before applying.
Which SBI credit card is best for fuel?
BPCL SBI Octane gives 7.25% fuel value-back for ₹1,499 + GST. The standard BPCL SBI Card gives 4.25% for ₹499 + GST. Octane only pays off if you spend enough on fuel each year to cover the higher fee.
Is the Flipkart SBI credit card worth it?
Yes, if you shop on Flipkart or Myntra regularly: 7.5% on Myntra and 5% on Flipkart, capped at ₹4,000 a quarter, for ₹500 + GST. Read the full Flipkart SBI review before applying.
Final Verdict
| Your Priority | Best Pick |
|---|---|
| Best overall online shopping | SBI Cashback Card |
| Best premium all-rounder | SBI Elite |
| Best fuel savings (heavy use) | BPCL SBI Card Octane |
| Best fuel savings (moderate use) | BPCL SBI Card |
| Best Tata ecosystem (light) | Tata Neu Plus SBI |
| Best Tata ecosystem (heavy + travel) | Tata Neu Infinity SBI |
| Best lowest-fee entry card | SimplySAVE or IRCTC RuPay |
| Best travel redemption flexibility | SBI Miles |
Ranking the best SBI credit cards ultimately depends on which 1-2 categories dominate your actual monthly spending — not which card has the highest number on its landing page.
Also read: SBI Cashback Card Review | Best Credit Cards for Beginners in India
Explore more Simplix Finance guides → simplix.in/finance/
Follow Simplix on Instagram and LinkedIn for weekly finance simplified.
