10 Best SBI Credit Cards in India 2026

SBI Card is India’s second-largest credit card issuer and the most trusted government-backed card brand. Their SimplySAVE and SimplyClick cards are among the most popular entry-level cards in the country.

Why SBI Card?

Widest acceptance across India including rural areas
Trusted government-backed brand
BPCL Octane best fuel card in market
SBI Elite excellent for premium spenders

All SBI Card Credit Cards

⭐ EDITOR'S TOP PICK

•••• a577

SBI Card Elite

SBI Card

Premium Travel Lounge Access Dining

Annual Fee: ₹4,999/yr

Joining Fee: ₹4,999

🎁 Rewards: 5 Reward Points per ₹100; 10X on dining and groceries

✅ Best for: Premium cardholders wanting lounge access with a trusted brand

⭐ 4.5

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•••• a5bf

BPCL SBI Octane Credit Card

SBI Card

Fuel Cashback

Annual Fee: ₹1,499/yr

Joining Fee: ₹1,499

🎁 Rewards: 7.25% value back on BPCL fuel; 5X on grocery spends

✅ Best for: Car owners who refuel at BPCL stations 2+ times a week

⭐ 4.4

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•••• 2665

BPCL SBI Card Octane

SBI Card

Fuel Cashback

Annual Fee: ₹1,499

Joining Fee: ₹1,499

🎁 Rewards: 7.25% value back at BPCL; 10X on BPCL fuel; 5X on grocery

✅ Best for: Car owners who refuel at BPCL stations 2+ times per week

⭐ 4.4

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•••• ac62

Air India SBI Signature Credit Card

SBI Card

Travel Air Miles Lounge Access

Annual Fee: ₹4,999

Joining Fee: ₹4,999

🎁 Rewards: 30 Air India Miles per ₹100 on Air India; 5 Air India Miles on others

✅ Best for: Frequent Air India flyers wanting maximum mileage accumulation

⭐ 4.4

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•••• 38b3

SBI Card Cashback

SBI Card

Cashback Shopping

Annual Fee: ₹999

Joining Fee: ₹999

🎁 Rewards: 5% cashback on online spends; 1% on offline; no category restrictions

✅ Best for: Online shoppers wanting flat cashback with no category limits

⭐ 4.4

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•••• e2ef

SBI Card Prime

SBI Card

Dining Lounge Access Travel Movie

Annual Fee: ₹2,999

Joining Fee: ₹2,999

🎁 Rewards: 10 Reward Points per ₹100 on dining, movies, grocery; 2 on others

✅ Best for: Mid-segment spenders wanting both lounge access and lifestyle rewards

⭐ 4.3

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•••• ec89

Club Vistara SBI Card PRIME

SBI Card

Travel Air Miles Lounge Access

Annual Fee: ₹2,999

Joining Fee: ₹2,999

🎁 Rewards: 3 CV Points per ₹200 on all spends; bonus Club Vistara tier points

✅ Best for: Frequent Vistara flyers wanting CV Points and tier upgrades

⭐ 4.3

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•••• 19ca

SBI SimplyClick Credit Card

SBI Card

Shopping Cashback Beginner

Annual Fee: ₹499/yr

Joining Fee: ₹499

🎁 Rewards: 10X Reward Points on Amazon, Cleartrip, BookMyShow, Lenskart

✅ Best for: Online shoppers who use Amazon, Cleartrip and BookMyShow regularly

⭐ 4.2

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•••• 812b

SBI Card SimplyClick

SBI Card

Shopping Cashback

Annual Fee: ₹499

Joining Fee: ₹499

🎁 Rewards: 10X Reward Points on Amazon, Cleartrip, BookMyShow, Lenskart, NetMeds

✅ Best for: Online shoppers who use Amazon, Cleartrip and OTT platforms

⭐ 4.2

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•••• 6974

IRCTC SBI Card Premier

SBI Card

Travel Lounge Access

Annual Fee: ₹1,499

Joining Fee: ₹1,499

🎁 Rewards: 10% value back on IRCTC ticket bookings; 1% on others

✅ Best for: Frequent train travellers booking tickets on IRCTC

⭐ 4.2

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•••• ed3d

SBI Card Pulse

SBI Card

lifestyle Lounge Access Dining

Annual Fee: ₹1,499

Joining Fee: ₹1,499

🎁 Rewards: 10 Reward Points per ₹100 on pharmacy, dining, movies; Paytm cashback

✅ Best for: Health-conscious spenders at pharmacies and gyms

⭐ 4.1

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•••• 1c38

SBI SimplySAVE Credit Card

SBI Card

Lifestyle Dining Beginner Movie

Annual Fee: ₹499/yr

Joining Fee: ₹499

🎁 Rewards: 10X Reward Points on dining, movies, departmental stores

✅ Best for: Beginners spending on dining, groceries and movies

⭐ 4.0

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•••• f4b9

SBI Card SimplySAVE

SBI Card

Dining Movie Cashback

Annual Fee: ₹499

Joining Fee: ₹499

🎁 Rewards: 10X Reward Points on dining, movies, departmental stores, grocery

✅ Best for: Beginners spending mostly on dining, groceries and movies

⭐ 4.0

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•••• f899

SBI SimplySAVE Advantage Credit Card

SBI Card

Lifetime Free Dining Movie

Annual Fee: Free

Joining Fee: Free

🎁 Rewards: 1 Reward Point per ₹100 on all spends; 10X on dining, movies

✅ Best for: Entry-level users wanting basic rewards with zero annual fee

⭐ 3.8

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•••• c9e1

SBI Card Unnati

SBI Card

Secured Lifetime Free

Annual Fee: Free (if FD ≥ ₹25,000)

Joining Fee: Free

🎁 Rewards: 1 Reward Point per ₹100; access against fixed deposit

✅ Best for: Individuals without credit history wanting to build CIBIL score

⭐ 3.7

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