SBI Credit Cards India 2026 – Cashback, Fuel, Lifestyle
Compare SBI credit cards with real yearly savings calculations. From the flat 5% cashback of SBI Cashback to the 7.25% fuel returns of SBI BPCL Octane — find the right SBI card for your spending pattern.
Real Yearly Savings — SBI Cards by Spend Profile
| Spend Profile | Best SBI Card | Est. Yearly Savings | Apply |
|---|---|---|---|
| Urban Professional (₹30K/month) | SBI Cashback | ₹8,640/year | Calculate → |
| Car Owner - BPCL (₹40K/month) | SBI BPCL Octane | ₹11,640/year | Calculate → |
| Light Spender (₹15K/month) | SBI SimplyCLICK | ₹3,240/year | Calculate → |
Calculations use actual reward rates and fee waiver thresholds. Verify with SBI before applying.
SBI Cashback Credit Card
Best Overall⭐ 4.9/5Annual Fee
₹999
Fee Waiver
₹2,00,000/year
Top Rate
5% all online
ROI (10K/mo)
₹6,000/year
- •5% cashback on ALL online transactions — no merchant restrictions
- •1% cashback on offline spends
- •Cap: ₹5,000/month combined online + offline
- •Cashback auto-credited within 2 working days
- •Fuel surcharge waiver on ₹500–₹3,000 transactions
Best for: Anyone who spends ₹10K+/month across multiple online platforms
Apply for SBI Cashback Credit CardSBI BPCL Octane Credit Card
Best for Fuel⭐ 4.7/5Annual Fee
₹1,499
Fee Waiver
₹2,00,000/year
Top Rate
7.25% on BPCL fuel
ROI (10K/mo)
₹5,220/year
- •7.25% value back on BPCL fuel: 4.25% cashback + 25X reward points (3%)
- •25X Reward Points on BPCL petrol/diesel
- •10X Reward Points on dining, departmental stores, movies
- •1% fuel surcharge waiver (all fuel stations)
- •Complimentary airport lounge access (4/year)
Best for: Car owners who fill fuel exclusively at BPCL pumps
Apply for SBI BPCL Octane Credit CardSBI SimplyCLICK Credit Card
Best for Shopping⭐ 4.6/5Annual Fee
₹499
Fee Waiver
₹1,00,000/year
Top Rate
10X on Amazon, Cleartrip, Urbanclap
ROI (10K/mo)
₹3,600/year
- •10X Reward Points on Amazon, Cleartrip, Urbanclap, Swiggy, BookMyShow, Zomato, Lenskart
- •5X Reward Points on all other online spends
- •1X Reward Points on offline spends
- •Annual fee reversed on ₹1L spend
- •Fuel surcharge waiver on ₹500–₹3,000 transactions
Best for: Online shoppers — especially Amazon, Cleartrip, and Swiggy users
Apply for SBI SimplyCLICK Credit CardSBI Card ELITE
Premium⭐ 4.5/5Annual Fee
₹4,999
Fee Waiver
₹10,00,000/year
Top Rate
2 free movie tickets/month
ROI (10K/mo)
₹4,800/year
- •2 complimentary movie tickets per month on BookMyShow (worth ₹500/month)
- •5X Reward Points on dining, entertainment, and grocery spends
- •Club Vistara Silver membership (Air India)
- •Trident Privilege Red Tier membership
- •Unlimited international airport lounge access (Priority Pass)
- •4 complimentary domestic airport lounge visits/year
Best for: Premium cardholders with ₹4L+ annual spend on dining and entertainment
Apply for SBI Card ELITESBI Card Prime
Good Value⭐ 4.4/5Annual Fee
₹2,999
Fee Waiver
₹3,00,000/year
Top Rate
10X on partner brands
ROI (10K/mo)
₹3,600/year
- •10X Reward Points at Pizza Hut, Yatra, Urban Clap, Pantaloons
- •5X Reward Points at BigBasket and grocery stores
- •Welcome voucher: ₹3,000 gift voucher on card activation
- •Milestone benefits: ₹7,000 voucher on ₹5L spend, ₹2,000 on ₹2L
- •4 complimentary domestic lounge visits/year
- •Welcome gift: Bata / Hush Puppies voucher worth ₹1,500
Best for: Regular spenders who want a mix of partner rewards + lounge access
Apply for SBI Card PrimeSBI Credit Card Against Fixed Deposit
SBI offers a secured credit card against your existing FD. The credit limit is typically 80–85% of the FD value (minimum FD: ₹20,000). This is ideal if you have a low or no credit history.
Arbitrage opportunity: Park your available credit in a liquid mutual fund during the interest-free period (up to 50 days) and earn 7–7.5% p.a. Use our FD Calculator to estimate returns.
Methodology & Disclaimer
Reward rates, fee thresholds, and cashback caps sourced from SBI Card official T&C documents (March 2026). ROI calculations use spend-weighted net savings model: Annual Rewards − Effective Annual Fee. Caps applied per issuer rules.
Frequently Asked Questions — SBI Credit Cards
Which is the best SBI credit card in India 2026?
Best SBI cards: SBI Cashback (5% all online, fee ₹999 waived ₹2L) for diversified spenders, SBI BPCL Octane (7.25% fuel, fee ₹1,499) for car owners who use BPCL, SBI SimplyCLICK (10X Amazon/Cleartrip, fee ₹499 waived ₹1L) for Amazon shoppers.
Is SBI Cashback credit card lifetime free?
No. SBI Cashback has ₹999 joining and annual fee. The annual fee is waived if you spend ₹2,00,000 or more in the previous year, making it effectively free for regular spenders.
What is the fee waiver threshold for SBI credit cards?
SBI Cashback: ₹2L/year. SBI SimplyCLICK: ₹1L/year. SBI BPCL Octane: ₹2L/year. SBI Card ELITE: ₹10L/year. Spend above the threshold in the previous year to get the annual fee reversed.
Can I get an SBI credit card against a Fixed Deposit?
Yes. SBI offers secured credit cards against FD. Credit limit is 80–85% of FD value. Minimum FD: ₹20,000. Use our FD Calculator to see arbitrage upside.
Is SBI BPCL Octane the best fuel credit card in India?
SBI BPCL Octane gives 7.25% value back at BPCL pumps — one of the highest fuel cashback rates. However, it only works at BPCL pumps. For IOCL: use HDFC Indian Oil. For HPCL: use IDFC HPCL Power+.
Does SBI SimplyCLICK credit card work with UPI?
SBI SimplyCLICK is a Visa/Mastercard card and cannot be linked to UPI apps. For UPI credit card rewards, use RuPay credit cards like Axis MyZone RuPay.