Compare Cards

Joining Fee

Rs. 499 + GST

Joining Fee

Rs. 999 + GST

Joining Fee

Rs. 499 + GST

Joining Fee

Rs. 1,499 + GST

Joining Fee

Rs. 1,499 (plus applicable taxes)

Welcome Benefits

2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee (credited after 20 days of the payment of joining fee).

Welcome Benefits

NA

Welcome Benefits

Receive 2,000 Reward Points on the expenditure of the same amount within the first 60 days of card issuance.

Welcome Benefits

6,000 bonus reward points worth Rs. 1500

Welcome Benefits

6000 Rewards Points on card issuance.

Rewards Rate

1 Reward Point per Rs. 100 (reward rate = 0.25%), 5x RPs on dining, movies, departmental stores, and groceries (reward rate = 1.25%), 13X RPs at BPCL pumps (reward rate = 3.25%)

Rewards Rate

5% cashback for every online transaction and 1% cashback on other offline transactions. You can earn a maximum of Rs. 5000 cashback in a single statement cycle.

Rewards Rate

1 Reward Point for Rs. 150 spent (reward rate = 0.25%), 10X RPs for spends made in movies, grocery, dining, & departmental stores (reward rate = 2.5%)

Rewards Rate

25 reward points for every Rs. 100 spends at BPCL fuel stations (reward rate = 6.25%), 10 RPs for every Rs. 100 spends on groceries, departmental stores, and movie ticket purchases (reward rate = 2.5%), and 1 reward point for every Rs. 100 spent for all other expenditures (reward rate = 0.25%) except mobile wallet uploads and fuel purchases at non-BPCL stations.

Rewards Rate

Get 20X Reward Points for every Rs. 100 you spend on Aditya Birla Stores 10X Reward Points for every Rs. 100 on Entertainment, Dining, and Hotels and 2X Reward Point per Rs. 200 spent on other categories.

Movie & Dining

5X Reward Points on movie and dining spends

Movie & Dining

NA

Movie & Dining

10X Reward Points on movie and dining spends

Movie & Dining

10x reward points for every Rs. 100 you spend on dining and movie tickets.

Movie & Dining

NA

Reward Redemption

Reward Points are redeemable against gift vouchers on sbicard.com or on the SBI mobile app, for purchases at BPCL petrol stations and against cash (card’s statement balance). 4 Reward Points = Re. 1.

Reward Redemption

Cashback earned with the card will be automatically credited to next month’s statement.

Reward Redemption

Redeem points earned for gift vouchers on sbicard.com or SBI mobile app. Also, for paying the card’s outstanding balance. (1 Reward Point = Rs. 0.25)

Reward Redemption

Redeem reward points for gift vouchers on sbicard.com or on SBI mobile app, for transactions at BPCL petrol stations, and against card’s statement balance. 4 reward points = Re. 1.

Reward Redemption

Reward Points can be redeemed for gift vouchers on sbicard.com or SBI mobile app or for against card’s outstanding balance, 1 RP = Rs. 0.25

Travel

N/A

Travel

NA

Travel

N/A

Travel

Complimentary domestic airport lounge visits

Travel

Complimentary access to lounges in India

Golf

N/A

Golf

NA

Golf

N/A

Golf

N/A

Golf

NA

Domestic Lounge

N/A

Domestic Lounge

NA

Domestic Lounge

N/A

Domestic Lounge

4 complimentary access to domestic lounges every year (1 per quarter).

Domestic Lounge

4 complimentary access to Domestic Airport Lounges

International Lounge

N/A

International Lounge

NA

International Lounge

N/A

International Lounge

N/A

International Lounge

NA

Insurance Benefits

N/A

Insurance Benefits

NA

Insurance Benefits

N/A

Insurance Benefits

N/A

Insurance Benefits

NA

Zero Liability Protection

Cardholder shall not be liable for any fraudulent transaction made on the card post reporting the loss of card to the bank.

Zero Liability Protection

The cardholder will not be liable for any fraudulent transaction if the card is reported lost or stolen to the bank in a timely manner.

Zero Liability Protection

On reporting the loss of the card to the bank within the stipulated time, the card holder will not be liable for any transaction done on the card.

Zero Liability Protection

No liability to the cardholder if the loss of the card is reported to the bank within stipulated time.

Zero Liability Protection

NA

Joining Fees

Rs. 499 + GST

Joining Fees

Rs. 999 + GST

Joining Fees

Rs. 499 + GST

Joining Fees

Rs. 1,499 + GST

Joining Fees

Rs. 1,499 (plus applicable taxes)

Renewal Fee

Rs. 499 + GST

Renewal Fee

Rs. 999 + GST

Renewal Fee

Rs. 499 + GST

Renewal Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 (plus applicable taxes)

Spend Based Waiver

Renewal fee is waived off on a minimum spend of Rs. 50,000 in an anniversary year.

Spend Based Waiver

The annual fee can be waived on spending Rs. 2,00,000 or more in the previous year.

Spend Based Waiver

Renewal fee can be waived off on incurring Rs. 1 lakh in the previous year

Spend Based Waiver

Next year’s renewal fee waived on annual expenditure of Rs. 2 lakh.

Spend Based Waiver

NA

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Rewards Redemption Fee

NIL

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request.

Rewards Redemption Fee

Rs 99 per redemption request

Foreign Currency Markup

3.5% of the transaction amount

Foreign Currency Markup

3.5% of the international transaction

Foreign Currency Markup

3.5% of the transaction amount

Foreign Currency Markup

3.5% of the transaction amount

Foreign Currency Markup

3.5% on the conversion amount

Interest Rates

3.5% per month (42% per annum)

Interest Rates

3.5% p.m. (42% p.a.)

Interest Rates

3.50% per month (or 42% annually)

Interest Rates

3.5% per month (42% per annum)

Interest Rates

3.5% per month (42% per annum)

Fuel Surcharge

1% fuel surcharge waived off at all fuel stations across India for transactions up to Rs. 4,000 (max waiver capped at Rs. 100 per month)

Fuel Surcharge

1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India. (waiver capped at Rs. 100 per statement)

Fuel Surcharge

1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 (capped at Rs. 100 per month)

Fuel Surcharge

1% fuel surcharge waiver on transactions up to Rs. 4,000 (max waiver of Rs. 100 in a month)

Fuel Surcharge

1% surcharge waiver on fuel transactions at all fuel stations across India

Cash Advance Charges

2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Cash Advance Charges

2.5% of the amount withdrawn or a minimum charge of Rs. 500.

Cash Advance Charges

2.5% of the amount withdrawn or Rs. 500 (whichever is higher)

Cash Advance Charges

2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Cash Advance Charges

2.5% on the transaction amount subject to a minimum charge of Rs 500

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil