Compare credit cards

3 cards selected · tap any row to highlight

Trending matchups

CASHBACK SBI Card

CASHBACK SBI Card

SBI Card

SBI Card Prime

SBI Card Prime

SBI Card

SBI Card Elite

SBI Card Elite

SBI Card

CASHBACK SBI Card
70
Very Good
CASHBACK SBI Card

SBI Card

SBI Card Prime
65
Good
SBI Card Prime

SBI Card

SBI Card Elite
72
Very Good
SBI Card Elite

SBI Card

01—CardCheck Score & Pillars
CardCheck Score
70
65
72Best
Rating Verdict
Very Good
Good
Very Good
Reward Power (35%)
34/35
24/35
24/35
Fee Value & ROI (25%)
20/25
18/25
18/25
Lounge & Travel (20%)
4/20
15/20
18/20
Forex & Access (20%)
12/20
8/20
12/20
02—Basic Info
Bank
SBI Card
SBI Card
SBI Card
Network
Visa
Visa
Visa
Card type
Regular
Premium
Premium
Best for
Online cashback
Dining and grocery rewards
Travel and premium rewards
03—Fees
Joining fee
₹999Best
₹2,999
₹4,999
Annual fee
₹999Best
₹2,999
₹4,999
Fee waiver
₹2,00,000Best
₹3,00,000
₹10,00,000
Interest-free days
50
50
50
04—Interest
APR (min)
42%
30%Best
42%
APR (max)
42%
42%
42%
Late payment fee
₹1,300
₹1,300
₹1,300
Cash advance fee
2.5%
2.5%
2.5%
05—Rewards
Reward type
cashback
points
points
Min rate
1%Best
0.5%
0.5%
Max rate
5%Best
2%
2.5%
Points / ₹100
—
2
5Best
Point value
—
₹0.25
₹0.25
Monthly cap
₹4,000
—
₹10,000
06—Travel & Lounge
Domestic lounge / qtr
0
2Best
2Best
Lounge spend criteria
—
No spend condition
No spend condition
Intl lounge / year
0
—
6Best
Priority Pass
DreamFolks
07—Forex & Fuel
Forex markup
3.5%
3.5%
1.99%Best
Fuel surcharge waiver
08—Features
Metal card
Contactless
UPI linked
09—Eligibility
Min age
21
21
21
Min income / month
₹25,000
₹30,000
₹50,000
Min CIBIL
—
700Best
750
Invite only
Rows won
05of 12
03of 12
04of 12

Free tools

More CardCheck tools

01

Card Recommendation Quiz

Answer 7 quick questions about your spending habits and preferences. Get matched with the best cards and a match percentage — takes about a minute.

Take the quiz
02

Card Roast

Select your current card and enter your spends — we'll show you exactly how much you're overpaying or under-earning vs the best alternative. Brutally honest.

Roast my card
03

Eligibility Checker

Check your approval odds for 150+ cards before you apply. No CIBIL hit, no spam. Just enter your income and age to see what you qualify for.

Check eligibility
04

Rewards Calculator

Enter your monthly spends across categories to see exactly how much cashback or reward points you will earn on any card in India.

Calculate rewards

Frequently Asked Questions: CASHBACK SBI Card vs SBI Card Prime

Which is better: CASHBACK SBI Card or SBI Card Prime?

CASHBACK SBI Card holds a higher overall rating with a CardCheck Score of 70/100 (Very Good) compared to 65/100 (Good) for SBI Card Prime (a lead of +5 points). CASHBACK SBI Card provides better net value across rewards and fee structures.

How do annual fees and fee waiver spend rules compare?

CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, SBI Card Prime charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.

How do the reward rates and cashback compare between CASHBACK SBI Card and SBI Card Prime?

CASHBACK SBI Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, SBI Card Prime offers a base rate of 0.5% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.

Which card has better airport lounge access: CASHBACK SBI Card or SBI Card Prime?

CASHBACK SBI Card provides no complimentary airport lounge access. On the other hand, SBI Card Prime provides 2 complimentary domestic lounge visits per quarter (8/year) and DreamFolks lounge access.

Which card is better for international foreign currency spends?

CASHBACK SBI Card levies a foreign currency markup fee of 3.5%, while SBI Card Prime charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.

Is CardCheck's comparison data unbiased and verified against official bank MITC?

Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).