Best SBI Credit Cards in India 2026

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SBI Card offers 50+ credit cards to match the varying needs of the customers. Among so many options available for SBI Credit card types, it can be difficult to find the best one for your. The right card would be the one that offers benefits aligned to your needs and provides you the highest value-back. So, if you want an SBI Credit Card, but are not sure about which card is best for you, here is the best SBI Credit Cards list for your help, compare the top SBI credit cards below. You can also explore the best credit cards for shopping, travel and more to find options that match different lifestyle needs.

Cashback SBI Card

Annual Fee: Rs. 999

Cashback SBI Card

Cashback SBI Card gives you good value-back on your purchases by rewarding you with cashback. This is one of the best credit cards for online shopping as it gives maximum return on online transactions. The card also comes with other privileges, such as fuel benefits, spend based annual fee reversal and much more. Read more

Key Highlights:

5% cashback on every online spend without any merchant restriction
1% cashback on all offline spends
Renewal fee reversal on annual spends of Rs. 2 lakh
1% fuel surcharge waiver across all petrol pumps in India

Cashback SBI Credit Card is a suitable choice if you are looking for great value-back on all online transactions, without any merchant inclinations or restrictions. If you use your card majorly for online spends and can afford to pay an annual fee of Rs. 1,499, you can consider getting this card.

BPCL SBI Card Octane

Annual Fee: Rs. 1,499

SBI BPCL Octane Credit Card

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:

6,000 bonus reward points as welcome benefits worth Rs. 1,500
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)
10 reward points on every Rs. 100 spent at dining, departmental stores, grocery and movies
4 complimentary domestic lounge visits in a year. Check Best Credit Cards For Free Domestic Airport Lounge Access.
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
Renewal fee waived off on reaching annual spending limit of Rs. 2 Lakh

BPCL SBI Card Octane is a great choice to earn fuel benefits with BPCL. You can get this credit card if you own a personal vehicle, and fuel spends are a major part of your day-to-day or monthly expenses. You must also ensure that BPCL is your preferred fuel provider over others, or if you don’t mind sticking to BPCL fuel stations.

SBI Card ELITE

Annual Fee: Rs. 4,999

SBI SimplyCLICK Credit Card

SBI ELITE Credit Card is 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
2 reward points for every Rs. 100 spent across all categories
5-times more rewards on dining, groceries and departmental store spends
2 movie tickets worth Rs. 250 each per month from BookMyShow
Complimentary memberships to Priority Pass and Club Vistara Silver
Low foreign exchange markup fee of 1.99%
Up to 50,000 reward points worth Rs. 12,500 in a year on reaching different spending milestones

This is the best credit card in SBI for earning all-round benefits across multiple categories- travel, dining, movies, rewards, etc. You can consider getting SBI Card Elite if you are a high spender and put most of your expenses on your credit card.

Reliance SBI Card PRIME

Annual Fee: Rs. 2,999

Reliance SBI Card PRIME is the premium variant of the co-branded credit cards SBI Card offers in collaboration with Reliance Group. The card offers benefits on multiple Reliance group brands that cover benefits on varying segments like clothing, footwear, furniture, etc. With this, the card lets consumers avail all-round benefits even with the co-branded arrangement, covering most of the shopping needs. Read more

Key Highlights:

Reliance retail voucher worth Rs. 3,000 on card activation
Reliance voucher worth Rs. 1,500 on annual spends of Rs. 75,000 at Reliance retail stores
Reliance voucher worth Rs. 2,250 on annual spends of Rs. 1.5 Lakh at Reliance retail stores
Reliance retail voucher worth Rs. 5,000 on annual spends of Rs. 3 Lakh at Reliance retail stores
10 reward points for every Rs. 100 spent at Reliance Retail store
5 reward points for every Rs. 100 spent on dining, movies, entertainment, domestic airlines & international spends
2 reward points for every Rs. 100 spent on other retail spends
Movie benefits worth Rs. 250 every month
8 complimentary domestic airport lounge access every year (max. 2 per quarter)
4 complimentary international airport lounge access every year
1% fuel surcharge across all petrol pumps in India

Check list of participating reliance stores here .

The card is a suitable option for consumers who don’t mind sticking to the associated brands for their all-rounder shopping needs. Beyond the co-branded benefits, card users also earn accelerated rewards on some other lifestyle categories. However, the reward rate is low due to a low redemption value on the card of just Rs. 0.25. To make a decision here, consumers will have to determine if they have the spending ability to earn the milestone benefit. High spenders putting maximum spends on the card can earn as much as 8,750 in addition to the reward points.

IRCTC SBI Card Premier

Annual Fee: Rs. 1,499

IRCTC SBI Card Premier

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
10% Value Back on AC1, AC2, AC3, AC CC as reward points
5% value back on air ticket booking and e-catering services booked via IRCTC
1 reward point for every Rs. 125 spent on all categories except fuel
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)

IRCTC SBI Card Premier is a suitable choice for people looking for benefits and savings around railway travel. You can get this credit card if you frequently travel within India and if you prefer railways over airline travel. However, if the annual fee of Rs. 1,499 seems high, you can check IRCTC SBI Platinum Credit Card , for similar railway travel benefits.

SBI SimplyCLICK Credit Card

Annual Fee: Rs. 499

SBI SimplyCLICK Credit Card

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 Apollo24X7, BookMyShow, Cleartrip, Eazydiner, 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

If you are looking for an entry-level credit card that offers benefits around online shopping, then SBI Simply Click is undoubtedly the right choice for you. This SBI Card offers benefits on everyday brands like Amazon, Netmeds, etc with 5X rewards on all online purchases. Thus, a suitable choice for beginners, who are also high spenders.

SBI SimplySAVE Credit Card

Annual Fee: Rs. 499

SBI Simply Save Credit Card

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 SBI 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

SBI Simply Save Credit Card is a suitable choice, if you are more interested in everyday categories, instead of everyday brands. You can get this card, if you want rewards on all spends, but don’t want a high annual fee card.

There is no SBI Credit Card with zero annual fee, but you can consider the low fee and relaxed eligibility cards such as SimplyCLICK and SiimplySAVE to save more on your online and offline spends respectively.

SBI Card Miles Elite

Annual Fee:Rs. 4,999

SBI Card Miles Elite

With the launch of the Miles Elite Credit Card, SBI Card entered the airline-agnostic credit card segment. The card is a suitable choice for frequent travelers seeking airline benefits without any brand preferences. Card users can earn accelerated points on travel spends (as travel credits) with a good redemption ratio of up to 1:1 against multiple airline and hotel partners. Read more

Key Highlights:

5,000 travel credits as welcome benefit
6 travel credits for every Rs. 200 spent on travel
2 travel credits for every Rs. 200 spent on other categories
Value of 1 travel credit = 1 air mile/hotel point (for selected partners); Rs. 0.50 for travel bookings and Rs. 0.25 for Shop & Smile Product Catalogue
Bonus 20,000 travel credits on annual spends of Rs. 12 Lakh
Complimentary Priority Pass membership for first two years
6 international airport lounge visits every year (maximum 2 per quarter)
8 domestic airport lounge visits every year (maximum 2 per quarter)
Additional domestic lounge visit on every Rs. 1 Lakh spent
Low forex markup fee of 1.99%

The card clearly justifies the fee it charges with its all-around travel benefits across miles redemption, lounge access, and low forex markup fee. Additionally, unlike most credit cards, this card does not come with any spend-based lounge access condition; instead, it offers lounge visits over and above the complimentary ones, granting users up to 23 domestic lounge visits annually. However, for a travel credit card, accelerated spends yield a low reward rate of 3%.

Titan SBI Credit Card

Annual Fee: Rs. 2,999

Titan SBI Credit Card

With this co-branded partnership with Titan, SBI Card offers rewards across multiple categories covered under the group brands segment, including the mostly untouched —gold and jewellery spends. Consumers can get benefits on Tanishq, Mia, Caratlane, Zoya, Taneira, Titan Eye+, Fastrack, Helios, Skinn, Sonata, Irth, and World of Titan. While none of these brands cater to the everyday spending umbrella, these definitely cater to the aspirational spend types like gold & jewellery, bags, perfumes, watches, premium apparel, etc. Read more

Key Highlights:

12000 reward points worth Rs. 3000 on card activation
3% value-back on spends at Tanishq
5% cashback on spends at Mia, Caratlane & Zoya
7.5% cashback on spends at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata
6 reward points for every Rs. 100 spent on all other non-Titan spends
Per reward point = Rs. 0.25
8 domestic airport lounge visits every year ( 2 Per Quarter)
4 international airport lounge visits every year (2 Per Quarter, valid for first two years)
Complimentary Priority Pass Membership
Benefits worth Rs. 5,000 on annual spends of Rs. 5 Lakh
Benefits worth Rs. 10,000 on annual spends of Rs. 10 Lakh

The card stands out as a suitable choice for those who spend a substantial amount on jewellery purchases. The co-branded benefit in this category is not limited to just one but four different jewellery brands. Thus, even with brand restrictions, card users get multiple options to explore. However, the value-back on gold spends is credited quarterly. Thus, users will have to split their gold spends in different quarters to maximize benefits.

For other spends as well, the card offers a decent return but the redemption is limited to Titan voucher. That way, consumers seeking everyday benefits should explore other options, as this card is ideally suitable for those who prefer making high-end purchases frequently.