SBI Card Credit Cards
Complete catalogue of all 20 SBI Card credit cards with MITC verified data
Total
20
Cards
Zero Fee
1
Lifetime Free
SBI Card 4-Pillar Issuer Benchmark
20 cards found
Top Recommended SBI Card Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
CASHBACK SBI
5% Flat Cashback across all online shopping merchants
BPCL SBI Card OCTANE
7.25% Value back on petrol/diesel at BPCL stations
SimplyCLICK SBI
10X Reward Points on Amazon, Cleartrip & BookMyShow
| Feature | CASHBACK SBI | BPCL SBI Card OCTANE | SimplyCLICK SBI |
|---|---|---|---|
| CardCheck Score | 70/100 | 77/100 | 75/100 |
| Rating Verdict | Very Good | Very Good | Very 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 | ₹2 Lakh Spend | ₹1 Lakh Spend |
| Lounge Access | — | 4 Domestic / Year | — |
| Min Salary Target | ₹25,000 / month | — | ₹20,000 / month |
2026 SBI Card Portfolio Verdict Matrix
At-a-glance verdicts to match your primary spend goal with the highest-earning SBI Card card
| Spend Goal | Recommended Card | Key Reward Rate | Annual Fee & Waiver | CardCheck Verdict |
|---|---|---|---|---|
| Online Shopping Cashback | CASHBACK SBI Card | 5% Flat Online (Capped ₹4,000/mo) | ₹999 + GSTWaived at ₹2 Lakh spend | India’s #1 flat cashback card across all major e-commerce platforms with zero merchant lock-in. |
| Fuel Savings & Commuting | BPCL SBI Card OCTANE | 7.25% Value back at BPCL pumps | ₹1,499 + GSTWaived at ₹2 Lakh spend | Highest fuel return rate in India including 25X reward points and 1% fuel surcharge waiver. |
| Beginners & E-Commerce | SimplyCLICK SBI Card | 10X Points on Partner Brands | ₹499 + GSTWaived at ₹1 Lakh spend | Accessible starter card with ₹500 Amazon gift voucher on joining and easy fee waiver. |
| Travel & Lifestyle Lounges | SBI Card Elite | 5X Points + Club Vistara Perks | ₹4,999 + GSTWaived at ₹10 Lakh spend | Premium lifestyle card offering 6 domestic and 6 international airport lounge visits per year. |
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
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 is the best SBI credit card in 2026?
For online shopping, SBI Cashback Card is the best choice with 5% flat cashback across almost all e-commerce merchants (capped at ₹5,000/month). For fuel savings, BPCL SBI Card Octane offers an industry-leading 7.25% value back. For beginners, SBI SimplyCLICK provides 10X points on partner merchants with an accessible ₹499 fee.
Which SBI credit card has zero annual fee or easy fee waiver?
SBI Card does not offer unconditional lifetime free cards, but cards like SBI SimplySAVE and SimplyCLICK have affordable ₹499 fees that are waived upon spending ₹90,000 to ₹1 Lakh in a year. The SBI Cashback Card waives its ₹999 fee on spending ₹2 Lakhs annually.
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.