Top 5 Public Sector Bank Credit Cards

Joining Fee: Rs. 4,999
Annual/ Renewal Fee: Rs. 4,999 (reversed on spending Rs. 10 lakh or more in a year)
Key Feature: 5X reward points on dining, departmental stores and grocery spends

SBI Elite Credit Card is a premium credit card that offers benefits in multiple categories, including grocery, dining, travel, entertainment and more. This card comes with a reward rate of 2.5% (on selected transactions), which makes it a suitable companion for people who want to earn reward points. Some of the key features of this credit card are as follows:

• E-gift voucher worth Rs. 5,000 as a joining benefit
• Free movie tickets worth Rs. 6,000 every year on booking tickets via BookMyShow
• 5X reward points on dining, departmental stores and grocery spends
• 2 reward points per Rs. 100 on all other spends (except fuel transactions)
• Complimentary Priority Pass Program membership worth $99
• 6 complimentary international airport lounge visits per calendar year (max. 2 visits per quarter)
• 2 complimentary domestic airport lounge visits every quarter in India
• Complimentary Club Vistara Silver membership
• 1 complimentary upgrade voucher
• 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
• Complimentary Trident Privilege Red Tier membership along with 1,000 welcome points on registration

Also read: SBI Elite Credit Card Review

Should you get this card?

SBI Elite Credit Card is popularly known for its rewards rate, i.e. 2.5% (on selected transactions). You can save on multiple categories, including dining, travel, entertainment and more via this credit card. However, this card is beneficial if you are a high spender as it comes with reasonable joining and annual fees. This is a good option if you make most of your expenses through your credit card. Overall, you can apply for this credit card if you want to avail of premium services and are ready to pay a reasonable annual fee.

Joining Fee: Rs. 1,500
Annual/ Renewal Fee: Rs. 2,000 (waived off on spending Rs. 3 lakh in a year)
Key Feature: 50% off on movie tickets and discount on food combos on BookMyShow

PNB Visa Signature Credit Card is designed for people who want to avail premium services. This card offers complimentary lounge access as well as discounts on other categories, including food and entertainment. Below mentioned are some of the key features of this credit card:

• 50% off on movie tickets and discount on food combos every month on BookMyShow
• Complimentary domestic lounge access
• 24×7 concierge assistance service on flight bookings, hotel reservations, etc.
• Annual fee waiver on spending Rs. 3 lakh or more in a year

Read in detail about PNB Visa Signature Credit Card

Should you get this card?

PNB Visa Signature Credit Card is a premium credit card with limited benefits. This is a good option if you frequently travel within India and want to avail premium benefits. Additionally, you can also save on your movie tickets and food combos via BookMyShow. However, if you frequently travel abroad, then this card might not be much beneficial for you as it only offers complimentary domestic lounge access. You can look for other travel credit cards available in the market for such benefits.

Joining Fee: Rs. 1,000 (reversed on spending Rs. 10,000 within 60 days of card setup date)
Annual/ Renewal Fee: Rs. 1,000 (waived off on spending Rs. 1.2 lakh or more in a year)
Key Feature: 5X reward points for every Rs. 100 spent on travel, dining and international transactions

Bank of Baroda Premier Credit Card lets its users earn reward points on multiple categories, including travel, dining and more. You can also earn up to 5X reward points on international transactions. Some of the key features of this credit card are listed below:

• 5X i.e., 10 reward points for every Rs. 100 spent on travel, dining and abroad (international spending)
• 2 reward points for every Rs. 100 spent on other categories
• 1 complimentary domestic airport lounge visit every calendar quarter
• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 to Rs. 5,000
• Convert purchases of Rs. 2,500 or above into easy EMIs
• Up to 50 days of interest-free credit from the date of purchase

To know more about Bank of Baroda Premier Credit Card, click here

Should you get this card?

Bank of Baroda Premier Credit Card is best suited for people who frequently travel and want to avail domestic lounge access. This card offers 4 complimentary domestic lounge access every year with a reasonable annual fee. Also, its annual milestone sumps up to Rs. 10,000 every month, which is not high for frequent travellers. In such a case, you can avail this card for free. However, if you frequently travel abroad and looking for a credit card that offers international lounge access, you can look for other credit cards available in the market.

Joining Fee: Rs. 399
Annual/ Renewal Fee: Rs. 999 (waived off on spending Rs. 1 lakh in a year)
Key Feature: 300+ reward points on activation

PNB Rupay Millennial Credit Card offers rewards and benefits in the travel category. You can avail premium benefits like complimentary lounge access, golf sessions, gym membership and more via this credit card. In addition to this, you can also earn reward points on joining. Below mentioned are some of the key features and benefits of this credit card:

• 300+ reward points on the activation
• Domestic and international lounge access program
• Premium health check-up package
• Complimentary golf and spa sessions
• Complimentary gym membership
• Annual fee waiver on spending Rs. 1 lakh or more in a year
• Comprehensive insurance coverage up to Rs. 10 lakh

Should you get this card?

PNB Rupay Millennial Credit Card is best suited for people who frequently travel. This card offers complimentary lounge access and golf sessions at selected partners. Additionally, you can also earn 300 reward points as a joining benefit. Overall, this is a good credit card for people who want to avail travel benefits. However, if you are looking for a credit card that offers benefits under multiple categories, you can look for other credit cards available in the market.

Joining Fee: Rs. 499
Annual/ Renewal Fee: Rs. 499 (waived off on spending Rs. 1 lakh in a year)
Key Feature: 10X rewards on online spends with exclusive partners

SBI SimplyCLICK Credit Card is a shopping credit card that offers benefits on multiple merchants, such as Amazon, BookMyShow, Cleartrip and more. You can earn up to 10X reward points on brands like Apollo, Eazydiner, Lenskart, etc., via this credit card. Here are some of the key features of this credit card:

• Amazon gift card worth Rs. 500 on joining
• 10X rewards on online spends with exclusive partners, including Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart & Netmeds
• 5X rewards on all other online spends
• 1 reward point per Rs. 100 on all other spends
• 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000
• Annual fee waiver on spending Rs. 1 lakh or more in a year

Planning to apply for this credit card? Readout detailed SBI SimplyCLICK Credit Card review.

Should you get this card?

SBI SimplyCLICK Credit Card is best suited for frequent shoppers. This card offers some basic features along with extra benefits on online shopping. You can earn up to 10X reward points on your online purchases at select merchants. Additionally, you can also earn 1 reward point for transactions at non-merchants. Overall, you can apply for this credit card if you frequently shop online and don’t want to pay a high annual fee. If you want to earn reward points on every transaction, you can look for other credit cards available in the market that offer better reward rates.