BOBCARD Premier Credit Card vs CASHBACK SBI Card
BOBCARD · SBI Card — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
BOBCARDScoreFair
Annual Fee₹1,000
Max Reward1.25%
SBI CardScoreVery Good
Annual Fee₹999
Max Reward5%
CASHBACK SBI Card leads overall with a CardCheck Score of 70/100 (+11 pts over BOBCARD Premier Credit Card).
4-Pillar Head-to-Head Breakdown
BOBCARD vs CASHBACKReward Power
35%BOBCARD20/35
CASHBACK34/35
CASHBACK Wins
Fee Value & ROI
25%BOBCARD20/25
CASHBACK20/25
Tie (20/25)
Lounge & Travel
20%BOBCARD11/20
CASHBACK4/20
BOBCARD Wins
Forex & Access
20%BOBCARD8/20
CASHBACK12/20
CASHBACK Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 59
- 70Best
- Rating Verdict
- Fair
- Very Good
- Reward Power (35%)
- 20/35
- 34/35
- Fee Value & ROI (25%)
- 20/25
- 20/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- BOBCARD
- SBI Card
- Network
- Visa
- Visa
- Card type
- Premium
- Regular
- Best for
- Mid-tier BOB card — 5 RP per ₹100 on dining/travel + 2 lounge/quarter
- Online cashback
03—Fees
- Joining fee
- ₹1,000
- ₹999Best
- Annual fee
- ₹1,000
- ₹999Best
- Fee waiver
- ₹1,20,000Best
- ₹2,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 0.625%
- 1%Best
- Max rate
- 1.25%
- 5%Best
- Points / ₹100
- 2.5
- —
- Point value
- ₹0.25
- —
- Monthly cap
- —
- ₹4,000
06—Travel & Lounge
- Domestic lounge / qtr
- 1Best
- 0
- Lounge spend criteria
- No spend condition
- —
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹60,000
- ₹25,000
- Invite only
Rows won
02of 07
05of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 59 | 70Best |
| Rating Verdict | Fair | Very Good |
| Reward Power (35%) | 20/35 | 34/35 |
| Fee Value & ROI (25%) | 20/25 | 20/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | BOBCARD | SBI Card |
| Network | Visa | Visa |
| Card type | Premium | Regular |
| Best for | Mid-tier BOB card — 5 RP per ₹100 on dining/travel + 2 lounge/quarter | Online cashback |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000 | ₹999Best |
| Annual fee | ₹1,000 | ₹999Best |
| Fee waiver | ₹1,20,000Best | ₹2,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 0.625% | 1%Best |
| Max rate | 1.25% | 5%Best |
| Points / ₹100 | 2.5 | — |
| Point value | ₹0.25 | — |
| Monthly cap | — | ₹4,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1Best | 0 |
| Lounge spend criteria | No spend condition | — |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹60,000 | ₹25,000 |
| Invite only | ||
| Rows won | 02of 07 | 05of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | BOBCARD Premier Credit Card | CASHBACK SBI Card |
|---|---|---|
| CardCheck Score | 59/100Fair | 70/100Very Good |
| Annual Fee | ₹1,000 | ₹999 |
| Fee Waiver Spend | ₹1.2L/yr | ₹2L/yr |
| Max Reward Potential | 1.25% | 5% |
| Domestic Lounge Access | 1 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose BOBCARD Premier Credit Card if:
Your spending centers around mid-tier bob card — 5 rp per ₹100 on dining/travel + 2 lounge/quarter and you want direct partner rewards with BOBCARD.
Choose CASHBACK SBI Card if:
Your spending aligns with online cashback and you prioritize SBI Card's redemption benefits.
Frequently asked questions: BOBCARD Premier Credit Card vs CASHBACK SBI Card
- Which is better: BOBCARD Premier Credit Card or CASHBACK SBI Card?
- CASHBACK SBI Card holds a higher overall rating with a CardCheck Score of 70/100 (Very Good) compared to 59/100 (Fair) for BOBCARD Premier Credit Card (a lead of +11 points). CASHBACK SBI Card gains its scoring lead primarily through reward potential (34 vs 20) and forex & terms (12 vs 8) while tying on fee value & ROI.
- How do annual fees and fee waiver spend rules compare?
- BOBCARD Premier Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1.2 Lakh for renewal fee waiver. In comparison, CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between BOBCARD Premier Credit Card and CASHBACK SBI Card?
- BOBCARD Premier Credit Card offers a base reward rate of 0.625% and up to 1.25% on accelerated partner categories. Meanwhile, CASHBACK SBI Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: BOBCARD Premier Credit Card or CASHBACK SBI Card?
- BOBCARD Premier Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year). On the other hand, CASHBACK SBI Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- BOBCARD Premier Credit Card levies a foreign currency markup fee of 3.5%, while CASHBACK SBI Card 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).