Best SBI Credit Cards in India 2022

Best for All-round Benefits

Annual Fee: Rs. 4,999

SBI Card ELITE is one of the best credit cards in India with all-round benefits across multiple categories. Though the card charges Rs. 4,999 as annual fee, the benefits, if used to their maximum advantage, surpass the fee by a wide margin. Read more

Key Highlights:

• Welcome e-voucher worth Rs. 5,000 from any of these brands- Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra
• Earn 2 reward points for every Rs. 100 spent across all categories
• Get 5-times more rewards on dining, groceries and departmental store spends
• Get 2 movie tickets worth Rs. 250 each per month from BookMyShow
• Complimentary membership to Priority Pass, Club Vistara Silver and Trident Red Tier
• Low foreign exchange markup fee of 1.99% only
• Earn up to 50,000 reward points worth Rs. 12,500 in a year on reaching different spending milestones

Also Read: SBI Elite Credit Card Review | Check Eligibilty & Apply Online

Best for Travel Benefits with Air India

Annual Fee: Rs. 4,999

Launched in collaboration with Air India, this travel credit card from SBI Card is best for Air India loyalists. The card gives back in the form of reward points which can be converted to Air India Air Miles in 1:1 ratio. Complimentary membership to Air India’s Frequent Flyer Program and Priority Pass Program add to its benefits. Read more

Key Highlights:

• 20,000 reward points as a welcome gift upon payment of annual fee within 15 days
• Complimentary membership to Flying Returns (Air India Frequent Flyer Program)
• 4 Reward points for every Rs. 100 spent across all categories
• Earn up to 30 Reward Points for every Rs. 100 spent on Air India tickets booked through airindia.com, airindia mobile app
• Convert reward points into Air India Air Miles (1 point = 1 Air Mile)
• Get 20,000 points on spending Rs. 5 Lakh, 30,000 additional points on spending Rs. 10 Lakh and 50,000 additional points on spending Rs. 20 Lakh in a year
• Complimentary Priority Pass membership

Also Read: Air India SBI Signature Credit Card Review | Check Eligibility & Apply Online

Best for Earning High Rewards across All Categories

Annual Fee: Rs. 2,999

Possibly the best rewards credit card in its fee range, SBI Card PRIME gives significant value back to high-spenders, especially on categories like dining, movies, groceries and departmental store spends. The card also focuses on travel category offering complimentary Club Vistara Silver membership and Priority Pass Membership. Read more

Key Highlights:

• Get welcome e-voucher worth Rs. 3,000 from any of these brands- Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra.com
• Earn 2 reward points per Rs. 100 on all your spends
• Earn 5-times more rewards on dining, movies, groceries and departmental store spends
• Spend Rs. 50,000 in a calendar quarter and get Rs. 1,000 Pizza Hut e-voucher
• Get renewal fee waiver on spending Rs. 3 Lakh in the preceding year
• Spend Rs. 5 Lakh and get e-vouchers worth Rs. 7,000 from Yatra/Pantaloons
• Avail complimentary membership to Club Vistara Silver, Priority Pass and Trident Red Tier
• Get 4 free international lounge visits and 8 free domestic lounge visits in a year

Also Read: SBI Card Prime Review | Check Eligibility & Apply Online

Best for Fuel Benefits with BPCL

Annual Fee: Rs. 1,499

One of the best fuel credit cards in India, BPCL Octane offers 7.25% value back on your fuel purchases in the form of 25X rewards and 1% fuel surcharge waiver at BPCL petrol pumps. The accumulated points can be easily redeemed at BPCL petrol pumps. Unlike most fuel cards, BPCL Octane also offers lounge access and extra rewards on some other categories. Read more

Key Highlights:

• Get 6,000 bonus reward points as welcome benefits worth Rs. 1,500
• Get 7.25% value back on your fuel spends at BPCL in the form of 25X reward points (6.25%) and 1% fuel surcharge waiver (on transactions up to Rs. 4,000)
• Earn 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery and Movies
• Avail 4 complimentary domestic lounge visits in a year
• Spend Rs. 3 Lakh in a year and get e-vouchers worth Rs. 2,000 from Urban Company, Aditya Birla Fashion, Yatra or Hush Puppies/Bata
• Get the renewal fee waived off on reaching annual spending limit of Rs. 2 Lakh

Also Read: SBI BPCL Octane Credit Card Review | Check Eligibility for Similar Cards

Best for Saving on Railway Travels

Annual Fee: Rs. 1,499

Only a few credit cards in India offer benefits on railway travelling and IRCTC SBI Card Premier is one such card. It provides up to 10% value back on rail ticket bookings along waiver of transaction charges on IRCTC. Previously, SBI Card already had Platinum variant of this card but IRCTC SBI Card Premier, which was launched much later, is clearly a better option among the two. Read more

Key Highlights:

• Welcome benefit of 1,500 reward points equal to Rs. 1,500
• Earn 10% Value Back on AC1, AC2, AC3, AC CC as Reward Points
• Earn 5% value back on air ticket booking and e-catering services booked via IRCTC
• Get 1 reward point per Rs. 125 spent on all categories except fuel
• Get 3X points on dining and utility bill payment (via standing instructions)
• Complimentary rail accident insurance cover
• 8 complimentary railway lounge access in a year (maximum 2 per quarter)

Also Read: Review of SBI IRCTC Platinum and IRCTC Premier Variants | Check Eligibility for Similar Cards

Best for Travel Benefits with Vistara Airlines

Annual Fee: Rs. 2,999

For travellers who prefer Vistara Airlines, this SBI Credit Card is a great pick. Users can earn Club Vistara (CV) Points which can be used to get discount on your Vistara tickets. The card also offers bonus CV Points on reaching spending milestones. Read more

Key Highlights:

• Get 1 economy class Vistara flight ticket as e-gift voucher as welcome benefit
• Spend Rs. 50,000 within 90 days of card activation to get 1,000 bonus CV Points
• Earn 3 Club Vistara (CV) points per Rs. 200 spent on all spends
• 1 CV Point = Rs. 1 redeemable at Vistara Airlines
• Get 1 economy class ticket each on reaching spending thresholds of Rs. 1.25 Lakh, 2.5 Lakh, and 5 Lakh (base fare waived off)
• Also get Rs. 5,000 hotel e-voucher on spending Rs. 5 Lakh
• 4 complimentary domestic lounge visits limited to only 1 visit per quarter
• Complimentary Priority Pass Membership

Also Read: Club Vistara SBI Card Review | Check Eligibility for Similar Cards

Best for Earning Value Back on Groceries with Nature’s Basket

Annual Fee: Rs. 1,499

Nature’s Basket is one of the largest grocery supermarkets in India. Nature’s Basket SBI Credit Card is suited for those who prefer to purchase groceries from Natures’s Basket as they can get generous reward points along with complimentary access to Nature’s Basket loyalty program- Epicure. Read more

Key Highlights:

• Complimentary membership to Epicure- the loyalty program of Nature’s Basket
• Earn 10 reward points per Rs. 100 spent on Nature’s Basket online and offline stores
• Earn 5 reward points per Rs. 100 spent on Travel, Dining and Entertainment spends
• 1 reward point per Rs. 100 on all other spends
• Reward points can be redeemed into Nature’s Basket Loyalty Program
• Spend Rs. 3 Lakh and get gift vouchers worth Rs. 3,000 from premium brands like Aldo, Inglot, Bath & Body Works and Charles & Keith
• Spend Rs. 2 Lakh to get annual fee waiver
• 4 complimentary visits per year to domestic airport lounges

Best for Travel Discount on Yatra

Annual Fee: Rs. 499

One of the best travel credit cards in India, Yatra SBI Card offers a significant discount on your travel bookings with Yatra, whether it is a domestic flight booking, international flight booking or a domestic hotel booking. Read more

Key Highlights:

• Welcome gift vouchers from Yatra worth Rs. 8,250
• 1,000 off on domestic flight bookings with Yatra on transactions worth Rs. 5,000 or more
• 4,000 off on international flight bookings with Yatra on transactions worth Rs. 40,000 or more
• 20% off on domestic hotel booking with Yatra (minimum transaction value- Rs. 3,000)
• Complimentary air accident cover of Rs. 50 Lakh
• Earn 6 reward points per Rs. 100 spent on departmental stores, grocery, dining, movies and entertainment
• 6 reward points per Rs. 100 spent on International spends
• 1 reward point per Rs. 100 on all other transactions
• 4 reward points = Rs. 1

Also Read: Yatra SBI Card Review | Check Eligibility for Similar Cards

Best for Beginners looking for Online Shopping Benefits

Annual Fee: Rs. 499

When it comes to low annual fee credit cards offering good online shopping benefits, SBI SimplyCLICK Card should be considered. It offers accelerated rewards on select brands along with extra rewards on all online spends. Read more

Key Highlights:

• 10X reward points on online purchases made on Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart and Netmeds
• 5X reward points on all other online purchases
• 1 reward point per Rs. 100 spent on other categories
• Spend Rs. 1 Lakh in a year and get e-voucher worth Rs. 2,000
• Spend Rs. 2 Lakh in a year and get additional e-voucher worth Rs. 2,000
• Annual fee waived off on spending Rs. 1 Lakh

Also Read: SBI SimplyCLICK Credit Card Review | Check Eligibilty & Apply Online

Best for Beginners looking for Reward Points

Annual Fee: Rs. 499

SBI SimplySAVE is one of the best entry-level credit cards in India offering extra reward points on everyday spending categories like groceries and departmental store spends. With a low annual fee and relaxed eligibility norms, this card is a good option for beginners. Read more

Key Highlights:

• Welcome benefit of 2,000 bonus reward points on spending Rs. 2,000 in the first 60 days of card issuance
• 10x reward points on dining, movies, grocery and departmental store spends
• 1% Fuel Surcharge Waiver
• Annual fee waiver on spending Rs. 1 lakh in the previous year

Also Read: SBI SimplySAVE Credit Card Review | Check Eligibility & Apply Online

Best for Cashback and Online Shopping

Annual Fee: Rs. 999

Cashback SBI Card gives you good value back on your purchases by rewarding you with the cashback. This is one of the best credit cards for online shopping as it gives maximum value back on online transactions. The card comes with zero joining fee and also offers other privileges, such as complimentary lounge access, fuel benefits and much more. Read more

Key Highlights:

• No joining fee
• 5% cashback on every online spend without any merchant restriction
• 1% cashback on all offline spends and utility bill payments
• Renewal fee reversal on annual spends of Rs. 2 lakh
• 4 complimentary domestic airport lounge visits in a year (1 visit per quarter)
• 1% fuel surcharge waiver across all petrol pumps in India