SBI Card
SBI SimplyCLICK
Annual fee₹499
Joining fee₹499
Best rate1× points
Issuer · SBI Card · India
SBI credit cards: full list & fees.
All 6 SBI cards — from the 5% Cashback to the PRIME travel card — in one verified list.
6 SBI credit cards are listed in the grid below with verified joining fee, annual fee, and best reward rate for each. Annual fees range from ₹499 (SimplyCLICK) to ₹2,999 (PRIME), covering an online-shopping entry card, a cashback card for heavy online spenders (Cashback), two co-branded fuel and e-commerce cards (BPCL Octane, Flipkart), a travel rewards card (Miles), and a premium lifestyle card (PRIME) with lounge access.
SBI Card
BPCL SBI Card Octane
Annual fee₹1,499
Joining fee₹1,499
Best rate25× points
SBI Card
SBI Cashback Credit Card
Annual fee₹999
Joining fee₹999
Best rate5% back
SBI Card
SBI Flipkart Credit Card
Annual fee₹500
Joining fee₹500
Best rate7.5% back
SBI Card
SBI Card PRIME
Annual fee₹2,999
Joining fee₹2,999
Best rate20× points
SBI Card
SBI Card Miles
Annual fee₹1,499
Joining fee₹1,499
Best rate1× points
Choosing an SBI card
Cashback online, fuel rewards, or PRIME for travel?
SBI Card's cashback and online-shopping range covers two cards. SimplyCLICK (₹499) pays accelerated reward points on popular online partners and suits first-time cardholders building their credit profile. SBI Cashback (₹999) pays a flat 5% on eligible online spends up to a ₹2,000 monthly cap after the April 2026 restructure. For households spending under ₹40,000 a month online, the Cashback card's 5% rate remains one of the strongest in the entry-to-mid tier.
Co-branded SBI cards reward concentrated spend on partner platforms. BPCL SBI Card Octane returns accelerated fuel points on BPCL petrol and diesel and additional points on grocery and dining. The SBI Flipkart card pays 7.5% on Flipkart, 5% on other online partners, and 1.5% elsewhere, making it the strongest SBI co-brand for e-commerce buyers who spend primarily on Flipkart.
SBI Card PRIME is SBI's mid-premium card at ₹2,999, with domestic lounge access, accelerated points on dining, grocery, and departmental stores, and a welcome benefit. SBI Card Miles is the travel-focused entry with accelerated miles on international spends and lounge access. Both suit frequent travellers who want a single card rather than a co-brand stack.
FAQ
Common questions
01Is the SBI Cashback card still worth it after the April 2026 cap cut?
For households whose eligible online spend stays under ₹40,000 a month, yes — the ₹2,000 monthly online sub-cap never bites and the 5% rate holds. Above that the card tops out at ₹2,000 of cashback a cycle, and the ₹999 annual fee gets harder to justify. The full comparison against HDFC Millennia is in the devaluation post.
02What is the difference between SBI SimplyCLICK and SBI Cashback?
SimplyCLICK earns reward points (not cashback) at accelerated rates on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and Swiggy. Points redeem against the card statement or for vouchers. SBI Cashback earns flat 5% cashback credited to the statement on eligible online spends, with no category restrictions within the eligible list. For pure cashback yield, the Cashback card is stronger; SimplyCLICK suits cardholders who prefer points flexibility.
03Does SBI Card PRIME offer domestic lounge access?
Yes. SBI Card PRIME provides complimentary domestic airport lounge access as part of its benefits. The specific number of visits and the access mechanism (Priority Pass, Visa/Mastercard Lounge, or direct tie-up) are specified on the SBI Card product page. Confirm current visit limits against the official MITC before applying.
04Do SBI credit cards carry spend-based annual fee waivers?
Most SBI cards in the catalogue carry annual fee waivers conditional on annual spend. SimplyCLICK waives the ₹499 fee on ₹1 lakh annual spend. SBI Cashback waives on ₹2 lakh. BPCL Octane and Flipkart carry their own thresholds. PRIME's waiver condition is on the SBI Card product page. Always confirm the current threshold before applying.
05Can a non-SBI bank customer apply for an SBI credit card?
Yes. SBI Card is a separate entity (SBI Cards and Payment Services Ltd) and issues cards to applicants from any bank. You do not need an SBI savings or salary account to apply. Salaried applicants with income credited to any bank and meeting the income and credit score criteria can apply online or through SBI Card's partner network.