CardCheck Score
Very Good
CASHBACK SBI Card
SBI Card
View details
Best for Online cashback
Fuel WaiverHigh Rewards
Joining Fee
₹999
Annual Fee
₹999
Reward Rate
1–5%
APR
42%
View details
Verified Issuer
SBI Card Credit Cards
Complete catalogue of all 21 SBI Card credit cards with MITC verified data
Total
21
Cards
Zero Fee
1
Lifetime Free
Issuer Avg→
Standard-7 pts vs marketCardCheck Overview: SBI Card is India’s leading public sector card issuer, famous for the popular SBI Cashback Card (5% flat online cashback), BPCL fuel cards, and beginner-friendly SimplyCLICK.
SBI Card 4-Pillar Issuer Benchmark
Standout Strength:Reward Power (28/35)Methodology →
Reward Power
35%28/35Top Pick
Fee Value & ROI
25%20/25
Lounge & Travel
20%10.6/20
Forex & Access
20%10.1/20
21 cards found
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Top Recommended SBI Card Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
Best for Online Cashback
Very Good
SBI Cashback
5% Flat Cashback across all online shopping merchants
₹999 (Waived on ₹2L)View Card
Best for Fuel Savings
Very Good
BPCL SBI Card Octane
7.25% Value back on petrol/diesel at BPCL stations
₹1,499View Card
Best for Online Shopping & Beginners
Good
SBI SimplyCLICK
10X Reward Points on Amazon, Cleartrip & BookMyShow
₹499 (Waived on ₹1L)View Card
| Feature | SBI Cashback | BPCL SBI Card Octane | SBI SimplyCLICK |
|---|---|---|---|
| CardCheck Score | 70/100 | 78/100 | 64/100 |
| Rating Verdict | Very Good | Very Good | Good |
| Primary Benefit | Online cashback | BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total | Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow |
| Annual Fee | ₹999 | ₹1,499 | ₹499 |
| Spend Fee Waiver | ₹2 Lakh Spend | ₹1 Lakh Spend | ₹1 Lakh Spend |
| Lounge Access | — | 4 Domestic / Year | — |
| Min Salary Target | — | — | — |
Popular comparisons for SBI Card Credit Cards
Side-by-side head-to-head match-ups based on real user spend patterns
SBI Card Specifications & Essential Data (2026)
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 180 1290 / 1860 180 1290
Forex Markup
1.99% – 3.50%
Points Expiry
2 Years from Earning
Min CIBIL Target
750+
SBI Card Key Takeaways & Portfolio Highlights
SBI Card portfolio includes 21 cards specializing in flat cashback, fuel savings, and beginner rewards.
SBI Cashback Card delivers 5% flat cashback across almost all online shopping transactions without merchant lock-in.
BPCL SBI Card Octane provides up to 7.25% value back on petrol & diesel spending at BPCL stations.
Beginner cards like SimplySave and SimplyCLICK offer easy annual fee waivers at ₹90,000 to ₹1 Lakh annual spend.
How to Choose the Best SBI Credit Card in 2026
SBI Card offers specialized credit cards tailored for online shopping, fuel savings, travel rewards, and beginner credit builders. When selecting an SBI card, focus on where you spend the majority of your monthly budget.
The SBI Cashback Card is widely considered India’s top cashback credit card, offering flat 5% cashback on almost all online transactions without merchant lock-in. For fuel spenders, the BPCL SBI Card Octane delivers up to 7.25% value back on petrol and diesel purchases.
If you are applying for your first credit card, SBI SimplyCLICK and SimplySave require a minimum monthly income of ₹20,000 or a CIBIL score of 750+, offering easy annual fee waivers upon spending ₹90,000 to ₹1 Lakh per year.
Frequently asked questions about SBI Card credit cards
Verified answers regarding annual fees, lounge access, rewards, and eligibility
Which SBI credit card gives the highest cashback?
SBI Cashback Card offers 5% flat cashback on almost all online shopping purchases without merchant restrictions, capped at ₹5,000 per month.
Which SBI credit card is best for fuel savings?
BPCL SBI Card Octane offers an effective 7.25% value back (including 1% fuel surcharge waiver) on fuel purchases at BPCL petrol pumps across India.
Which SBI credit card is best for beginners and first-time applicants?
SBI SimplySave and SimplyCLICK are ideal beginner cards with low annual fees (₹499) that are easily waived with ₹90,000 to ₹1 lakh annual spending.
How do I waive the annual fee on SBI credit cards?
Annual fees on SBI cards are waived when you reach annual spend targets (e.g., ₹90,000 for SimplySave, ₹1 lakh for SimplyCLICK, ₹2 lakh for SBI Cashback).
What is the minimum income required for an SBI credit card?
Entry-level SBI cards like SimplySave and SimplyCLICK require a minimum monthly net income of ₹20,000 to ₹25,000 or a minimum CIBIL score of 750.