SBI Card issues enough plastic that the family group chat could run a dedicated channel for it. The good news: you do not need twelve products — you need the one whose fee, earn rules, and lounge story match how you actually swipe.
This guide compares CASHBACK SBI Card, SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI Card PRIME, SBI Aurum Credit Card, and SBI Unnati Credit Card using the same issuer-facing summaries CardCheck shows on each card page. Snapshot: 2026-05-05 — SBI Card can change benefits, so confirm the live offer before you apply.
Compare these six on CardCheck keeps the maths in one place. Rewards calculator is useful when you already know roughly how much spends on Amazon versus dinner out.
Cards in this comparison
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How SBI stacks products: cashback, points, lounge tier, secured starter
Rough mental model:
- Pure cashback on the bill: CASHBACK SBI — especially if your volume is broadly “online everywhere.”
- Cheap annual fee plus partner multipliers: SimplyCLICK online, SimplySAVE offline essentials.
- Urban lifestyle plus domestic lounges: Prime.
- Ultra-premium travel and concierge — invite-led: Aurum.
- Credit building against FD: Unnati — different problem statement from “maximum rewards.”
Catch: SBI Reward Points redeem at modest rupee-per-point mechanics on statement-style redemptions unless you optimise for vouchers or catalogue — headline “10X” is never a licence to skip the maths.
Fees, waiver targets, lounges, forex — one table
| Card | Joining / annual fee | Fee waiver spend target | Reward shape (summary) | Domestic lounge | International lounge | Forex markup |
|---|---|---|---|---|---|---|
| CASHBACK SBI Card | ₹999 / ₹999 | ₹2,00,000 | Cashback · headline ~1%–5%; online 5% capped ₹5,000 cashback/month per programme notes | None in the summary we track | None in the summary we track | 3.5% |
| SimplyCLICK SBI Card | ₹499 / ₹499 | ₹1,00,000 | Points · partner 10X + other online 5X (see card page — statement value hinges on ₹0.25/RP logic) | None in the summary we track | None in the summary we track | 3.5% |
| SimplySAVE SBI Card | ₹499 / ₹499 | ₹1,00,000 | Points · 10X dining / movies / grocery / dept stores, 1X elsewhere | None in the summary we track | None in the summary we track | 3.5% |
| SBI Card PRIME | ₹2,999 / ₹2,999 | ₹3,00,000 | Points · 10X dining/movies/grocery/dept, 2X other domestic | 2 visits per quarter via DreamFolks | None in the summary we track | 3.5% |
| SBI Aurum Credit Card | ₹9,999 / ₹9,999 | ₹10,00,000 | Points · higher earn on international vs domestic in programme copy; invite-only | Unlimited domestic (DreamFolks; per SBI Aurum summary on CardCheck) | Unlimited international (Priority Pass; per SBI Aurum summary) | 1.99% |
| SBI Unnati Credit Card | ₹0 / ₹499 | See issuer (FD-secured; first-year fee rules in T&Cs) | Cashback · 1% flat on eligible retail in summary | None in the summary we track | None in the summary we track | 3.5% |
Note: Lounge lines follow the bullet summaries we mirror; guest rules, add-on cards, and quarterly caps live in the MITC. Aurum is invite-only — treat that row as “if your RM actually offers it,” not a public queue ticket.
Interest is widely published around 42% p.a. on these products in our dataset — pay the full statement balance if you want rewards without paying them back in interest.
Six cards, six jobs
CASHBACK SBI Card
Job: statement cashback for broad online spends — no partner list for the headline 5% lane, but a ₹5,000/month ceiling on that tier in published terms. 1% offline in the summary. Pick if: you want rupees back on the bill and your life is mostly digital.
SimplyCLICK SBI Card
Job: reward points with 10X on listed online partners (Amazon, BookMyShow, Cleartrip, etc.) and 5X on other online in the summary — watch point value when you convert to rupees. Pick if: you live on Amazon and travel bookings and like milestone e-vouchers on higher annual spends.
SimplySAVE SBI Card
Job: 10X on dining, groceries, cinema, departmental stores — classic offline-first starter. Pick if: your card friction is supermarkets and restaurants more than carts.
SBI Card PRIME
Job: same 10X grocery/dining spine as SAVE, adds 2X on broader domestic spends in the listing, plus two domestic lounge visits per quarter. Pick if: you cross ₹2,999 fee math with steady lifestyle spends and occasional airport noodle breaks.
SBI Aurum Credit Card
Job: SBI ultra-premium — published unlimited domestic DreamFolks and international Priority Pass, golf and concierge framing, sharper ${pct(aurum.forex_markup_pct)} forex vs mass cards. Pick if: you genuinely sit in the relationship cohort that receives an invitation — otherwise admire from a safe distance.
SBI Unnati Credit Card
Job: FD-backed starter — builds history with simple 1% cashback prose and no “please have a CIBIL” gate in the positioning. Pick if: you are new-to-credit or repairing score and can park the FD collateral.
Best use-case cheat sheet
- Heavy “any online merchant” spends: CASHBACK SBI Card first — cashback is blunt; just respect the ₹5k monthly cap.
- Partner-led online (Amazon-heavy): compare SimplyCLICK SBI Card vs Cashback side by side.
- Grocer + cinema offline: SimplySAVE SBI Card at ₹499 fee rung.
- Lounges + stronger earn on non-bonus buckets: SBI Card PRIME over SAVE.
- Ultra HNI + travel friction budget: SBI Aurum Credit Card
- Safety-first onboarding: SBI Unnati Credit Card
Beyond this table, SBI also runs BPCL/IRCTC/miles/co-branded lines — fine if petrol or trains dominate your receipts; plug those cards into the compare tool rather than pretending one article can name every SKU.
Use CardCheck's free Rewards calculator to estimate where your receipts land across these tiers in about a minute.
Disclosure
CardCheck is educational comparison, not an issuer. We do not set fees or approve applications. Figures come from summaries maintained for linked card pages at the snapshot date; SBI Card website and MITC win on any mismatch.
Fees are usually quoted plus taxes — GST piles on renewal SMS pain too.
FAQ
- CASHBACK SBI vs SimplyCLICK for Amazon-heavy shopping?
CASHBACK SBI credits percentage cashback broadly on eligible online in published terms (5% up to ₹5,000 cashback/month ceiling). SimplyCLICK earns bonus reward points on Amazon and partners at 10X rates where the programme counts the spend — you must convert RP value to rupees. If you dislike points maths and want statement credits, Cashback tends to feel simpler.
- Is Prime worth it over SAVE?
SAVE carries ₹499 fees with ₹1 lakh waiver in our data; PRIME is ₹2,999 with ₹3 lakh waiver and adds domestic lounge visits plus 2X on broader domestic spends. If you cross neither waiver, Prime only wins if lounges and richer earn outweigh the fee delta.
- Who can realistically get Aurum?
Aurum is documented as invite-only premium banking cohort product — unlike mass digital applications. Benchmark against whether your relationship actually unlocks invitations before budgeting ₹9,999-plus fees mentally.
- Should my first credit card be Unnati or Cashback?
Unnati exists for secured onboarding against an FD when credit history or score blocks mainstream approval — different goal from maximising cashback. Once you qualify cleanly for unsecured products and understand repayments, headline earn products like CASHBACK SBI or SimplyCLICK enter the comparison.
- Do all these cards earn the same loyalty currency?
No. Plain cashback cards settle on statements; reward points variants use SBI programmes with differing earn charts. Premium lines like Elite or Aurum introduce their own tiers — compare redemption pages carefully before assuming one point equals another.