SBI credit cards compared

The SBI Cashback Credit Card delivers an uncomplicated 5% cashback on online transactions across almost all e-commerce platforms, without requiring specific merchant tie-ups. Instead, exclusions apply at the category level—such as utilities, insurance, fuel, rent, wallet loads, education, jewellery, railway bookings, EMI transactions, and (effective April 2026) gaming, tolls, and government payments. Offline retail spends earn 1% cashback. As of April 2026, monthly cashback is capped at ₹4,000 per billing cycle, split into ₹2,000 for 5% online purchases (maxed out at ₹40,000 online spend) and ₹2,000 for 1% offline spending, translating to a maximum annual return of ₹48,000. The annual fee of ₹999 is waived upon reaching ₹2 lakh in annual spend.

For BPCL loyalists, this is an easy call — the Octane comes out on top. It delivers up to 7.25% value back on BPCL fuel (25 reward points per ₹100, roughly 6.25% at ₹0.25 per point, plus a 1% surcharge waiver, with fuel rewards capped at 2,500 points monthly), making it the best card available at a BPCL pump; competing fuel co-brands belong to other networks, so the decision essentially comes down to which pump you use. Unlike typical single-purpose fuel cards, it also delivers 10X rewards on dining, groceries, department stores and movies. The ₹1,499 fee comes with a straightforward waiver at ₹2 lakh of annual spend, alongside 4 domestic lounge visits yearly, a roughly ₹1,500 welcome benefit worth 6,000 points, and a ₹2,000 e-gift voucher once spending reaches ₹3 lakh. A BPCL household spending over ₹4,000 monthly on fuel recoups the fee inside a quarter. The catch is that it's confined to the BPCL network, and the non-fuel earn rate is a weak 0.25%.

Priced at ₹1,499, the IRCTC SBI Card Premier is tailored specifically for frequent train travellers, offering up to 10% value-back on AC-class IRCTC rail tickets (redeemable 1:1 for future bookings on IRCTC), complimentary railway lounge access (8 visits per year), and a 1% railway transaction-fee waiver. Non-rail retail spending earns a baseline rate of 1 Reward Point per ₹125 (translating to ~0.8% return when monthly point sweeps convert 1:1 into your IRCTC loyalty account), augmented by 3X points on dining and standing-instruction utility bill payments, alongside 4% value-back on IRCTC air tickets and e-catering orders (subject to a cap of 750 points per statement cycle). The annual fee is waived upon crossing ₹2 lakh in annual spending. For passengers who rely heavily on India's rail network for intercity journeys, the savings easily offset the card's fee within a few months. However, because general everyday earn rates remain modest and points are locked into IRCTC redemptions, it serves best as a dedicated rail companion alongside a versatile everyday card.

The SBI SimplyCLICK Credit Card is a popular entry-level shopping card offering 10X Reward Points on prominent online partner brands (such as BookMyShow, Apollo 24|7, Dominos, IGP, Myntra, Yatra, Netmeds, and Cleartrip), 5X points on all other online retail spends, and 1X on offline purchases. Cardholders earn milestone e-vouchers from Cleartrip or Yatra worth ₹2,000 each upon crossing ₹1 lakh and ₹2 lakh in annual spend, comfortably outweighing the ₹499 annual fee (which is waived at ₹1 lakh of annual spend). Note that Amazon transactions earn the standard 5X online rate rather than 10X, though a ₹500 Amazon gift voucher is provided as a welcome gift. Valuing SBI points at ₹0.25, the 10X tier yields an effective 2.5% return on partner merchants.

SBI built the Flipkart Card around online shopping, and it shows: Myntra purchases earn 7.5% cashback, the highest co-brand online rate in SBI's lineup, while Flipkart itself returns 5%, and four unnamed select merchants pay 4%. Everything outside those categories still earns an uncapped 1%, and cashback lands on the statement automatically within two working days of generation — no separate redemption step. Each of the accelerated categories has its own quarterly ceiling of ₹4,000. Cleartrip bookings add another 5% cashback layer, and a 1% fuel surcharge waiver applies up to ₹400 per billing cycle. New cardholders get a ₹250 Flipkart e-gift voucher within 60 days of the fee posting, and the ₹500 joining/renewal fee comes back if annual spending reaches ₹3.5 lakh. A fairly long exclusion list — fuel, rent, government payments, education, insurance, gaming, jewellery, wallet top-ups, vouchers and EMI conversions — earns zero.

The Air India SBI Platinum finds itself mid-overhaul: it has been shut to new applicants for a prolonged stretch (since October 2024, following the Vistara–Air India merger), and the loyalty programme it runs on has been rebuilt from the ground up — Flying Returns has been retired in favour of the Maharaja Club, and a March 2025 devaluation slashed the Air India earn rate from 15 down to 5 RP per ₹100. Current earning stands at 5 reward points per ₹100 spent with Air India and 2 per ₹100 on general spend, both converting 1:1 into Maharaja Points that expire after 24 months unless extended through flying activity. Reports suggest a redesigned Maharaja Club co-brand is already in the works to eventually take this card's place. Existing cardholders who regularly fly Air India can reasonably continue holding it while the programme finds its footing, but anyone considering it fresh would do better to wait for the successor card.

The SBI Card ELITE is a travel and lifestyle credit card carrying an annual fee of ₹4,999 plus GST. Following the Vistara–Air India merger in 2026, previous Club Vistara Silver and Trident Privilege Red status benefits were replaced with a complimentary 1-year Club ITC Silver tier membership. The card provides a reduced foreign currency markup fee of 1.99%, 6 complimentary international lounge visits annually via Priority Pass (capped at 2 per quarter), and accelerated 5X rewards (~2.5% return at ₹0.25 per point) on dining, grocery, and departmental store purchases, with 2 reward points per ₹100 (~0.5%) on general retail. Spend milestones offer up to 50,000 bonus points (worth ₹12,500) across annual thresholds of ₹3L, ₹4L, ₹5L, and ₹8L. A ₹5,000 e-gift welcome voucher offsets the initial fee, and annual fee reversal is granted at ₹10 lakh in yearly spend.

Serving as SBI Card's primary mid-premium all-round offering, the SBI Card PRIME awards 10 Reward Points per ₹100 (~2.5% effective return at ₹0.25/point) on groceries, dining, departmental stores, and movies. All other retail spends earn a baseline of 2 RP per ₹100 (~0.5%). The card carries an annual fee of ₹2,999, which is waived upon spending ₹3 lakh in a card anniversary year. Cardholders receive a ₹3,000 welcome e-voucher, 8 complimentary domestic airport lounge visits per year (capped at 2 per quarter), and 4 international lounge visits alongside a complimentary $99 Priority Pass membership. Additional milestone perks include a ₹1,000 Pizza Hut voucher for every quarter with ₹50,000 in spend and a ₹7,000 Yatra or Pantaloons gift voucher at ₹5 lakh in annual spends, plus a 1% fuel surcharge waiver. Following the Vistara–Air India merger, the former Club Vistara Silver and Trident Privilege Red memberships were discontinued and replaced by a 1-year Club ITC Silver Tier membership.

The Tata Neu Infinity SBI Card is a co-branded credit card tailored for the Tata ecosystem, charging an annual fee of ₹1,499 that is waived upon reaching ₹3 lakh in annual spending. Cardholders earn 5% back in NeuCoins on non-EMI purchases across Tata Neu and partner Tata brands—such as BigBasket, Croma, Westside, Tata 1mg, Air India, and Taj—along with 1.5% back on all other eligible spending, including RuPay UPI transactions. NeuPass membership can provide up to an additional 5% back on designated Tata Neu categories. Category-specific monthly earning caps are in place: grocery, insurance, utilities, and telecom each max out at 2,000 NeuCoins per month, while UPI spends are capped at 500 NeuCoins. Transactions involving fuel, wallet loads, rent, government payments, education, gaming, cash advances, and EMI do not earn rewards. Within the Tata brand ecosystem, 1 NeuCoin is valued at ₹1, and a welcome gift of 1,499 NeuCoins offsets the initial joining cost. Unlike HDFC's equivalent Tata Neu cards, SBI Card excludes Merchant EMI and Flexipay transactions from reward accrual. Additional perks include a competitive 1.99% foreign currency markup, 8 domestic lounge visits per year (2 per quarter, unlocked by spending ₹75,000 in the previous quarter), and 4 complimentary international lounge visits through Priority Pass, although SBI's domestic lounge list omits major metro airports.

SBI Card Miles Elite is the ₹4,999 flagship offering in SBI Card's travel credit lineup, earning 6 Travel Credits per ₹200 (~3% value) on travel bookings and 2 Travel Credits per ₹200 (~1% value) on general retail. Travel Credits can be transferred to partner airline and hotel loyalty programs at up to a 1:1 ratio (up to ₹1 per credit). The card features a low 1.99% foreign currency markup, 8 domestic airport lounge visits annually (up to 2 per quarter), and a Priority Pass membership with 6 international visits per year (free for the first two years). Spend milestones include a 5,000-credit welcome bonus upon spending ₹1 lakh in 60 days, 20,000 bonus credits at ₹12 lakh in cumulative spend, and complete annual fee reversal at ₹15 lakh in spend. Maximum value is realised through loyalty partner transfers, as catalogue redemptions drop to ₹0.25 per credit.

SBI built the IndiGo SBI Card ELITE as its top-tier co-brand for India's largest carrier, and it comes with a ₹4,999 joining and renewal fee to match. Spending through the IndiGo app or website returns 7 BluChips per ₹100 — close to 2.9% back once you apply our 42-paisa-per-BluChip valuation, which tracks our transfer graph rather than the ₹1 rate that applied under the now-discontinued 6E Rewards programme. Hotel and travel purchases earn 3 BluChips per ₹100, everything else eligible earns 2, and a handful of categories — utility, government, rent, fuel and insurance — are excluded entirely. Every year the cardholder pays the renewal fee, SBI credits 5,000 BluChips and a 6E Eats voucher, treating it as an ongoing perk rather than a one-time welcome gift; on top of that sit as many as 24,000 milestone BluChips annually and 4 6E Prime Passes. Rounding out the package are 8 domestic and 6 international lounge visits each year, travel insurance covering 4 free flight cancellations, and a fuel surcharge waiver of 1%.

The KrisFlyer SBI Card Apex is a super-premium airline co-brand carrying a ₹9,999 annual fee, tailored for frequent flyers on Singapore Airlines. It earns 10 KrisFlyer Miles per ₹200 on Singapore Airlines Group purchases, 8 KrisFlyer Miles per ₹200 on international transactions, and 6 KrisFlyer Miles per ₹200 on general eligible retail spending, with accrued miles auto-credited directly to the cardholder's KrisFlyer account on each statement date. Benefits include a 10,000-mile welcome bonus, an additional 10,000 miles upon reaching ₹5 lakh in annual spend, and an accelerated upgrade to KrisFlyer Elite Gold status after spending ₹7.5 lakh on Singapore Airlines flights. Travel perks feature 8 domestic lounge visits annually, a complimentary Priority Pass membership with 8 international lounge visits per year, baggage loss and fraud insurance coverage, and a 1% fuel surcharge waiver.

AURUM is SBI Card's super-premium metal credit card offering an extensive suite of lifestyle and travel privileges. Key benefits include a 1-year complimentary Club Marriott membership, unlimited international airport lounge access via DreamFolks, 16 domestic lounge visits per year (4 per quarter, extending to add-on cardholders), 16 complimentary golf rounds, and a monthly movie ticket benefit. Base rewards stand at 4 reward points per ₹100 spent (worth ₹0.25 per point, or an effective ~1% return) on non-fuel retail, excluding rent, government payments, and wallet reloads. High spenders can elevate their return toward ~3.7% through milestone vouchers: ₹1,500 on Tata CliQ for ₹1L monthly spend, ₹5,000 on Tata CliQ Luxury at ₹5L annual spend, ₹10,000 at Taj Hotels for ₹10L spend, and ₹20,000 on Apple products at ₹20L annual spend. A 40,000-point welcome bonus (~₹10,000 value) largely balances the ₹9,999 annual fee, which is waived upon spending ₹12 lakh in a year. The card is designed primarily for its luxury lifestyle perks rather than standalone base earning.

The SBI Card MILES PRIME is a mid-tier travel credit card with an annual fee of ₹2,999 plus GST. It generates 4 Travel Credits per ₹200 on travel bookings (~2% value) and 2 Travel Credits per ₹200 on everyday purchases (~1% value). Travel Credits can be transferred to 25 airline and hotel loyalty partners at up to a 1:1 ratio, or redeemed at ₹0.50 on the travel booking portal and ₹0.25 in the merchandise catalogue. Key benefits include an overseas markup of 2.50%, 8 complimentary domestic lounge visits annually (up to 2 per quarter, with up to 4 additional visits earned at 1 per ₹1 lakh spend), and a Priority Pass membership with 4 complimentary international visits per year (free for the first two years). Spend milestones feature 3,000 credits on spending ₹60,000 within 60 days, 10,000 bonus credits at ₹8 lakh annual spend, and annual fee reversal at ₹10 lakh in cumulative spend.

Designed for health-focused and active professionals, the SBI Card PULSE delivers accelerated rewards across chemist/pharmacy purchases, dining, movies, and sports goods. The card's welcome package includes a Noise ColorFit Pulse 4 Pro smartwatch (valued by SBI at ₹7,999), alongside 1-year complimentary subscriptions to FITPASS PRO and Netmeds First upon joining fee payment. Cardholders can also earn an additional ₹1,500 e-voucher upon reaching ₹4 lakh in annual retail spending.

The Shaurya SBI Card is a tailored entry-level credit card designed for serving and veteran defence personnel, featuring an affordable annual fee of ₹250 that is waived upon spending ₹50,000 annually. The card earns 5X Reward Points (5 RP per ₹100, ~1.25% effective return at ₹0.25/point) across CSD canteen purchases, groceries, departmental stores, dining, and movies, while all other spending yields 1 point per ₹100 (~0.25%). A welcome bonus of 1,000 points (valued at ₹250) offsets the initial fee upon payment, accompanied by a 1% fuel surcharge waiver and a ₹2 lakh RuPay personal accident cover.

The Titan SBI Card is a premium retail co-branded credit card centered on the Titan Company retail network, carrying an annual fee of ₹2,999 that is waived with ₹3 lakh of annual spending. The card's standout feature is its quarterly-capped brand cashback structure: 7.5% cashback at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, and Sonata (capped at ₹10,000 per quarter); 5% cashback at Mia, CaratLane, and Zoya (capped at ₹10,000 per quarter); and 3% in gift vouchers on Tanishq purchases (capped at ₹25,000 per quarter). For spending outside the Titan ecosystem, cardholders earn a flat 6 Reward Points per ₹100 spent (~1.5% value), with a monthly ceiling of 6,000 points, while fuel, wallet uploads, rent, utilities, and government payments earn zero rewards. The card includes a 12,000-point welcome gift valued at ₹3,000, milestone Titan vouchers awarded at ₹5 lakh and ₹10 lakh annual spend thresholds, and lounge access offering 8 domestic and 4 international visits via Priority Pass. Reward Points have a validity of 24 months from the date of accrual.

This card has been discontinued: SBI stopped accepting new applications for its Air India co-branded cards on 10 October 2024, following the Vistara–Air India merger, though customers who already held the card retained their existing benefits. Back when it was open to new applicants, it charged a ₹4,999 fee and earned 10 Reward Points per ₹100 spent on Air India tickets, alongside 4 points per ₹100 on all other purchases, with points converting to Air India Maharaja Points on a 1:1 basis. New cardholders were front-loaded with value through a 20,000-point welcome bonus and a 5,000-point gift on each anniversary, on top of milestone bonuses that could reach 1,00,000 points annually. Additional perks included complimentary Maharaja Club membership, 8 domestic lounge visits per year, Priority Pass access, and a 1% fuel surcharge waiver.

For ₹499, the BPCL SBI Card is a fuel co-brand centred on Bharat Petroleum, offering 4.25% total value back at BPCL pumps — a combination of 13X Reward Points (3.25%) and a 1% fuel surcharge waiver, applicable on transactions up to ₹4,000, with the points component capped at 1,300 per billing cycle. Beyond fuel, it earns 5 Reward Points per ₹100 (about 1.25%) on dining, department stores, groceries and movies (sharing a 5,000-point monthly cap across all four) and 1 point per ₹100 (about 0.25%) elsewhere. Each point is valued at ₹0.25 (so 4 points make ₹1), and can go toward BPCL fuel — including instant redemption at some pumps — or items in the Shop n Smile catalogue. A 2,000-point welcome bonus (roughly ₹500) effectively offsets the first year's fee, and starting 1 May 2026, ₹1 lakh of annual spend reverses the ₹499 renewal fee.

SBI Card MILES is the entry-level flexible airline credit card from SBI Card, carrying an annual fee of ₹1,499 plus GST. It allows cardholders to earn generic Travel Credits that transfer to 25 airline and hotel loyalty partners at up to ₹1 per credit, avoiding lock-in to a single frequent flyer program. The card earns 2 Travel Credits per ₹200 on travel bookings (~1%) and 1 Travel Credit per ₹200 on general retail (~0.5%). It includes a 1,500-credit welcome bonus (on spending ₹30,000 in 60 days), a 5,000-credit milestone reward at ₹5 lakh in spend, and annual fee waiver on reaching ₹6 lakh in spend. Redemptions yield ₹0.50 on the travel booking portal and ₹0.25 via the merchandise catalogue. The card carries a 3.00% foreign exchange markup and excludes fuel, rent, utility bills, wallet reloads, and insurance payments from reward accrual.

The SBI SimplySAVE Credit Card is tailored for everyday offline household expenses, awarding 10 Reward Points per ₹150 (~1.7% return at ₹0.25 per point) on dining, groceries, movies, and departmental store purchases. All other retail transactions earn a base rate of 1 RP per ₹150 (~0.17%). Priced at an annual fee of ₹499—which is waived upon spending ₹1 lakh annually—the card includes a 2,000-point welcome bonus (worth ₹500) upon spending ₹2,000 within the first 60 days, as well as a 1% fuel surcharge waiver.

The Shaurya Select SBI Card is an upgraded credit card for serving and veteran armed forces personnel, featuring zero joining fees for the first year and a ₹1,499 renewal fee that is waived upon reaching ₹1.5 lakh in annual spend. It earns 10 Reward Points per ₹100 (~2.5% effective value at ₹0.25/point) on CSD canteen spends, groceries, departmental stores, dining, and movies (capped at 6,000 points per month across these categories combined), alongside 2 points per ₹100 (~0.5%) on all other spends. Card benefits include 4 complimentary domestic airport lounge visits annually, 24x7 concierge assistance, milestone vouchers worth up to ₹7,000 upon spending ₹5 lakh annually, a ₹10 lakh RuPay personal accident cover, and a 1% fuel surcharge waiver.

Built specifically for practising doctors, the Doctor's SBI Card (in association with IMA) carries a ₹1,499 fee and requires Indian Medical Association membership. What sets it apart isn't the earn rate but a ₹20 lakh professional indemnity policy that covers legal and defence expenses, out-of-court settlements and court-awarded damages. Rewards take a back seat here: spending on medical supplies, travel booked through agents (MCC 4722, so direct airline or hotel bookings don't qualify) and international transactions earns at 5X (roughly 1.25%), each bucket capped at 7,500 points monthly, with an added 5X across all categories on Doctor's Day. Everything else earns just 1 point per ₹100 (about 0.25%), and each point redeems for 25 paise. The card also bundles Priority Pass access (4 international visits yearly), 4 domestic lounge entries, a ₹5,000 voucher for crossing ₹5 lakh in annual spend, and a 1% fuel surcharge waiver — with the ₹1,499 fee waived entirely once annual spend hits ₹2 lakh.

Priced at ₹1,499 to join and renew, the IndiGo SBI Card is an affordable way into IndiGo's BluChips loyalty programme. IndiGo app and website bookings earn 3 BluChips per ₹100 — close to 1.3% back once you account for our 42-paisa valuation of a BluChip, rather than the ₹1 rate that applied under the now-discontinued 6E Rewards currency. Hotel and other travel spends bring in 2 BluChips per ₹100, while everything else outside the excluded categories (utility, government, rent, fuel and insurance) earns 1 per ₹100. Paying the renewal fee each year triggers a fresh 2,500-BluChip credit — a recurring perk worth close to a fifth of the fee by our estimate, not just a first-year bonus — and consistent spenders can pick up as much as 7,500 more through milestones. The card also throws in 4 domestic lounge visits annually (available once you clear ₹50,000 in spend the prior quarter) and a 1% fuel surcharge waiver, though international lounge access and travel insurance are absent at this level.

The KrisFlyer SBI Card is the ₹2,999 mid-tier Singapore Airlines co-branded credit card from SBI Card. It offers 5 KrisFlyer Miles per ₹200 spent on Singapore Airlines Group purchases and international transactions, along with 2 KrisFlyer Miles per ₹200 on general retail purchases, auto-crediting all earned miles to your KrisFlyer loyalty membership on each statement generation. The welcome package grants 3,000 miles upon joining and an additional 3,000 miles at ₹3 lakh in annual spend, while spending ₹2.5 lakh directly on Singapore Airlines accelerates you to KrisFlyer Elite Silver status. Card privileges include 4 domestic airport lounge visits per year, a complimentary Priority Pass membership with 4 international lounge visits annually, comprehensive baggage and lost-card fraud insurance, and a 1% fuel surcharge waiver.

Positioned at the top of SBI Card's retail partnership lineup, the Landmark Rewards SBI Card PRIME carries an annual fee of ₹2,999 and targets frequent shoppers across Landmark Group formats. Cardholders earn 25 Reward Points per ₹100 spent (~6.25% value back) at Lifestyle, Home Centre, Max, Spar, Baby Shop, and EasyBuy. Dining, movie tickets, and international transactions earn 10 points per ₹100, while general retail purchases yield a base 2 points per ₹100 (~0.5%), with points valued at ₹0.25 each (4 points = ₹1) for immediate in-store redemption. An upfront joining bonus of 12,000 points (worth ₹3,000) pairs with a 20,000-point milestone bonus (worth ₹5,000) upon reaching ₹5 lakh in annual retail spending. Travel perks include 8 domestic airport lounge visits annually, a Priority Pass membership with 4 complimentary international lounge visits per year, and a 1% fuel surcharge waiver, though the card provides no spend-linked annual fee waiver.

The PhonePe SBI Card PURPLE is an affordable ₹499 RuPay-based credit card that integrates with UPI, allowing eligible payments and merchant scan-and-pay transactions on PhonePe to earn structured rewards. Cardholders earn 3 Reward Points per ₹100 (~3%) on PhonePe app spends, 2 points per ₹100 (~2%) on other online transactions, and 1 point per ₹100 (~1%) on all remaining eligible purchases, with each point valued at ₹1. Following a devaluation on 1 July 2026, monthly reward ceilings were reduced: PhonePe spends are now capped at 750 RP per month (with insurance payments sub-capped at 250 RP per month), and other online spends are capped at 750 RP per month (down from 1,000 RP previously). In addition, toll payments, gift cards, jewellery purchases, education fees, and any utility, insurance, or UPI transactions processed outside the PhonePe app no longer earn rewards, while transactions below ₹100 earn nothing. General spends remain capped at 1,000 RP monthly. Points can be redeemed for a variety of merchant vouchers or direct statement credits, and the ₹499 renewal fee is waived upon reaching ₹1 lakh in annual spend. A ₹500 PhonePe gift card welcome benefit offsets the first-year fee, while a ₹3,000 Yatra voucher is awarded at ₹3 lakh in annual spending, alongside a 1% fuel surcharge waiver. Airport lounge access is not provided, and the standard 3.5% forex markup makes it unsuitable for international usage.

The PhonePe SBI Card SELECT BLACK is a co-branded card designed to reward essential digital expenditure where typical cards offer little return: 10% in Reward Points (1 RP = ₹1) on transactions within the PhonePe application—covering utilities, recharges, bill payments, insurance, and travel bookings—alongside 5% on other online spending and 1% on UPI and general retail transactions. Available on both RuPay (UPI-enabled) and Visa networks, the card underwent a devaluation on 1 July 2026 that reduced monthly reward ceilings: PhonePe and general spends are now capped at 1,500 RP monthly, online spending at 1,000 RP monthly, and insurance payments at 500 RP monthly. Excluded categories include toll payments, gift cards, jewellery purchases, education fees, and any utility, insurance, or UPI transactions processed outside PhonePe. The ₹1,499 annual fee is offset upon joining with a ₹1,500 PhonePe gift card and is waived against ₹3 lakh in annual spending, while reaching ₹5 lakh unlocks a ₹5,000 Yatra voucher. Cardholders also benefit from a 1% fuel surcharge waiver (for spends between ₹500 and ₹4,000, capped at ₹250 per billing cycle) and a complimentary 2-year Priority Pass membership (with international lounge visits chargeable).

The Tata Neu Plus SBI Card serves as the entry-tier gateway into the Tata rewards network, featuring an annual fee of ₹499 that is waived upon reaching ₹1 lakh in yearly spend. The card provides 2% back in NeuCoins on non-EMI transactions on Tata Neu and partner Tata brands, alongside 1% on general retail spending and RuPay UPI transactions. NeuPass membership can add up to an extra 5% in NeuCoins across select Tata Neu categories. Category earning caps are applied per billing period: grocery rewards are capped at 1,000 NeuCoins per month (half the Infinity tier's limit), while insurance, utility, and telecom spends are capped at 2,000 NeuCoins each, and UPI transactions have a 500 NeuCoin statement-cycle ceiling. Excluded categories that earn no rewards include fuel, wallet loads, rent, government payments, education, gaming, cash advances, and EMI conversions. 1 NeuCoin equals ₹1 when redeemed across the Tata group, and the ₹499 first-year fee is offset by a welcome credit of 499 NeuCoins. SBI explicitly excludes Merchant EMI and Flexipay transactions from earning rewards, distinguishing it from HDFC's counterpart. Ancillary benefits include 4 domestic lounge visits annually (1 per quarter, subject to spending ₹50,000 in the previous quarter), a 1% fuel surcharge waiver, and a standard 3.5% foreign currency markup.

Built around Apollo 24|7 and Apollo Pharmacy, the ₹1,499 Apollo SBI Card SELECT credits 10 Reward Points per ₹100 spent (about 10% back) on those platforms, plus up to 25% total value through the Apollo Circle programme on medicine purchases. Dining, movies and travel bring in 2 points per ₹100, while everything else settles at 1 point per ₹200. Each point converts to Re. 1, but only as an Apollo Health Credit — so the earnings stay inside the Apollo network rather than becoming cash or generic vouchers. The wellness perks stand out: a full year of FITPASS PRO, a free comprehensive health check-up, a ₹1,500 welcome voucher from Apollo, and a Noise smartwatch once annual spending hits ₹6 lakh. On the travel side, cardholders get four domestic lounge entries a year, a two-year Priority Pass, and a 1% waiver on fuel surcharges; spend ₹3 lakh in a year and the ₹1,499 fee gets refunded.