SBI Card credit cards
We cover 5 SBI Card cards. Annual fees range from ₹499 to ₹4,999.
At a glance
- 5 cards are currently offered (open, invite-only or waitlisted).
- No card in our data is free of an annual fee.
- 2 include domestic airport lounge visits (check the spend conditions).
- 4 of 5 are high confidence (key figures confirmed in the issuer's own documents); the rest are partly verified.
- For a metro salaried spending profile (₹60,000 a month) the top open SBI Card cards by net yearly value are Cashback SBI Card, SBI Card ELITE, BPCL SBI Card OCTANE.
All SBI Card cards, ranked
Ranked by estimated net yearly value for a metro salaried profile (₹60,000 a month across typical categories; assumptions on the methodology page). Your spending mix will change the order; the calculator uses your own numbers.
| Card | Annual fee | Net a year | Headline rate | Status | Data |
|---|---|---|---|---|---|
| Cashback SBI Card | ₹999 | ₹16,656 | 1% base, up to 5% on Amazon/Flipkart/other online shopping | open | Official docs |
| SBI Card ELITE | ₹4,999 | ₹10,471 | 0.5% base, up to 2.5% on dining & food delivery/groceries | open | Official docs |
| BPCL SBI Card OCTANE | ₹1,499 | ₹8,365 | 0.25% base, up to 2.5% on dining & food delivery/groceries/entertainment & ott, 6.25% at partners, capped | open | Partly verified |
| SimplyCLICK SBI Card | ₹499 | ₹5,752 | 0.25% base, up to 1.25% on Amazon/Flipkart/other online shopping, 2.5% at partners, capped | open | Official docs |
| SimplySAVE SBI Card | ₹499 | ₹3,916 | 0.17% base, up to 1.67% on dining & food delivery/groceries/entertainment & ott | open | Official docs |
Which SBI Card card suits whom
Cashback SBI Card (₹999 a year)
Best suited to people who shop online most of the time: 5% on online spends up to a ₹2,000 monthly cashback cap, and 1% offline. Eligibility as stated: Salaried / self-employed; standard SBI Card income and KYC norms (details not verified).
SBI Card ELITE (₹4,999 a year)
Built for dining and grocery spenders: 5X on those categories up to a 10,000-point monthly cap, with 2 points per ₹100 elsewhere. Eligibility as stated: High-income segment (aggregator: roughly ₹1-2 lakh monthly income band).
BPCL SBI Card OCTANE (₹1,499 a year)
For BPCL pump users: 25 points per ₹100 at BPCL outlets, capped at 2,500 points a month (₹10,000 of fuel). Eligibility as stated: Standard SBI Card eligibility (not verified).
SimplyCLICK SBI Card (₹499 a year)
An online-shopping card: 5X points on online spends (10,000 points a month cap), uncapped 10X at listed partners such as Cleartrip, Yatra, BookMyShow, Myntra and Swiggy, and two ₹2,000 Cleartrip/Yatra vouchers at ₹1 lakh and ₹2 lakh of annual online spend. Eligibility as stated: Standard SBI Card eligibility (not verified).
SimplySAVE SBI Card (₹499 a year)
A low-fee SBI card for dining, grocery, department-store and movie spenders: 10 points per ₹150 on those categories, capped at 5,000 accelerated points a month, and 1 point per ₹150 on everything else. Eligibility as stated: Standard SBI Card eligibility (not verified).
What these cards share, and where they differ
SBI's five cards each do a different job. Cashback SBI Card pays 5% online and 1% offline, each capped at ₹2,000 a statement cycle; SimplyCLICK and SimplySAVE are ₹499 points cards, the first built for online partners and the second for dining and groceries; BPCL SBI Octane is the fuel card; and Elite is the ₹4,999 premium card with two domestic lounge visits a quarter. Cashback is compared with other cashback cards in points vs cashback.
Terms shared across the range, from SBI's MITC and customer notices: finance charges of up to 3.75% a month, a cash advance fee of 2.5% or ₹500, an over-limit fee of 2.5% or ₹600, late payment fee bands revised from 1 May 2026, 1% fees on utility payments above ₹50,000 a cycle, on wallet loads above ₹1,000 and on education payments through third-party apps, and from 1 December 2026 on fuel above ₹50,000 a cycle and transport transactions above ₹30,000. For points cards, statement-credit redemption from 1 April 2026 is only in blocks of 4,000 points up to 60,000 a month.
Reported rule changes
- 1 Dec 2026: SBI Card: 1% fee on fuel spend above ₹50,000 a cycle from 1 December 2026 official
- 1 May 2026: SBI Card: late payment charge bands revised from 1 May 2026 official
- 1 Apr 2026: SBI Card Cashback: caps and exclusions from 1 April 2026 official
- 1 Apr 2026: SBI Card: statement-credit redemption capped at 60,000 points a month and in blocks of 4,000 from 1 April 2026 official