Best SBI Credit Cards 2025: Benefits, Charges & Detailed Reviews

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

• Rent/property management
• Fuel purchases
• Utility bills
• Insurance payments
• Wallet loads
• School & educational services
• Jewelry purchases
• Railway bookings
• EMI transactions
• Standing instructions
• Cash advances
• Balance transfer
• Non-customer-initiated spending like annual fees, late fees, and other fees & charges
• Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

• ₹5,000 combined across all spending categories. 
• Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

2.50% cashback on departmental store, grocery purchases, movie & dining spends

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback
• Monthly limit: 7500 reward points, reached at ₹7500 monthly spending 

0.50% cashback on all other credit card spends 

• Earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.
• Exceptions: No reward points are given on the following card spends - fuel, rent, government transactions.

Up to 2.2% additional reward through milestone benefits

• Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend - 2% benefit
• Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend - 1.4% benefit
• Hence you could earn vouchers worth ₹11000 if you achieve all the above quarterly spend targets, as well as the annual card spend target of ₹5 lakhs - 2.2% benefit

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 4 times per year (maximum 2 per quarter)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary credit card fraud liability cover of ₹1 lakh: This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders

2.50% cashback on departmental store, grocery, and dining spends

• 10 reward points worth ₹2.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.
• Monthly limit - 10,000 reward points, reached at ₹1 lakh monthly spending

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
• Important exclusions: No reward points are given on fuel, utilities, rent, wallets, education, jewelry, gaming platforms, government spends

Up to 1.50% additional cashback based on annual card spending (milestone privileges program)

• You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend (0.8% reward)
• You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend (1.25% reward)
• You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend (1.75% reward)
• You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend (1.5% reward)
• Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.

Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback

Complimentary domestic airport lounge access – 8 times per year (maximum 2 times per quarter)

Complimentary international airport lounge access – 6 times per year (maximum 2 visits per quarter)

• The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
• You get complimentary Priority Pass membership worth US$ 99
• You also get 6 free airport lounge visits per year (maximum 2 visits per quarter)

2 free movie tickets (up to ₹250 each) every month through Bookmyshow

• To avail this offer, you need to book at least 2 movie tickets.
• For example, if you book 2 tickets costing ₹250 each, you will get a ₹500 discount and pay only the convenience fee.
• Hence, you can get free movie tickets worth ₹6,000 every year (₹500 per month).

Low fee of 1.99% on international spends 

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4000

Fraud liability cover: You get a complimentary credit card fraud liability cover of ₹1 lakh.

Airport lounge access: Unlimited international airport lounge access, 4 domestic airport lounge visits per quarter

4 free movie tickets per month (up to ₹250 each) through BookMyShow

• Maximum 2 free tickets in one booking

16 complimentary golf rounds per calendar year (maximum 4 per quarter)

12 complimentary golf lessons per calendar year

Up to 3.50%+ rewards on card spending (including milestone benefits linked to card spending)

• 1% base reward
• Up to 2.50% additional milestone rewards which are linked to a number of monthly and annual card spending requirements

Lower forex fee of 1.99% on international card transactions

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4,000

10% cashback on PhonePe transactions (including recharges, bills, insurance, travel). 

• Monthly limit: ₹2000 cashback, ₹20,000 spending

5% cashback on online spend 

• Monthly limit: ₹2000 cashback, ₹40,000 spending

1% cashback on UPI transactions (RuPay variant only)

• Monthly limit: ₹2000 cashback, ₹2 lakh spending

4 free domestic airport lounge visits per year

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500-₹4,000

2.50% reward (10X) on select online partners – Myntra (fashion) || Cleartrip, Yatra (travel) || Dominos (dining) || BookMyShow (movies) || Apollo24×7, Netmeds (health & medicine) || IGP

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend at these partners.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

1.25% reward (5X) on all other online purchases up to ₹2 lakhs per month 

• Earn 5 reward points worth ₹1.25 (1 rupee & 25 paise), on every ₹100 you spend on all other online purchases.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

0.25% reward (X) on all other card purchases: Earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.

Up to 2% additional reward, based on annual card spending (milestone privileges)

• Get ₹2000 Cleartrip/Yatra voucher, at ₹1 lakh yearly online card spend - 2% reward
• You get an additional ₹2000 Cleartrip/Yatra voucher (total ₹4000 vouchers), at ₹2 lakhs yearly online spend - 2% reward

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

7.25% Reward on BPCL Fuel 

• 6.25% rewards: 25 points worth ₹6.25, per ₹100 spent. Monthly limit: 2500 reward points worth ₹625, reached at ₹10,000 monthly spend.
• 1% fuel surcharge waiver: Valid on fuel transactions up to ₹4,000. Monthly limit: - ₹100, reached at ₹10,000 monthly spend 
• Includes: BPCL lubricants and Bharat Gas (500 points monthly limit on Bharat Gas)

2.5% rewards on shopping & entertainment 

• Categories: Groceries, department stores, movies, dining
• Earning rate: 10 points worth ₹2.50, per ₹100 spent
• Monthly limit: 7,500 reward points across all categories combined, reached at ₹75,000 monthly spend 

0.25% rewards on other purchases

• Earning rate: 1 point per ₹100 (₹0.25 value)
• Coverage: Includes UPI spending on RuPay variants
• Important exclusions: Wallet loads, rent payments, non-BPCL fuel purchases

Value of reward points & redemption

• Value: 1 point = ₹0.25
• Method: BPCL voucher purchases via SBI Card rewards platform, instant redemption of points at select BPCL outlets

Upto 0.6% Annual Milestone Reward (At ₹3 lakh spend)

• Gift vouchers: ₹2,000 value (0.66% additional reward)
• Options: Aditya Birla Fashion, Yatra, Bata/Hush Puppies

Domestic airport lounge access: 4 visits annually (maximum 1 per quarter) 

Fraud protection: ₹1 lakh liability cover for card misuse

3% reward on Tanishq spends

• Earn ₹3 (in vouchers), on every ₹100 spent at Tanishq
• Maximum amount of vouchers given is ₹25,000 per quarter, which is breached when you spend ₹8.33 lakhs in a quarter

5% cashback on Mia, Caratlane & Zoya spends 

• Earn ₹5 as cashback, on every ₹100 spent at these outlets
• Maximum amount of cashback given is ₹10,000 per quarter, which is breached when you spend ₹2 lakhs in a quarter

7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata spends

• Earn ₹7.50 as cashback, on every ₹100 spent at these outlets
• Maximum amount of cashback given is ₹10,000 per quarter, which is breached when you spend ₹1.33 lakhs in a quarter

1.50% reward on all other card spends

• Earn 6 reward points worth ₹1.50, on every ₹100 spent 
• 1 reward point = ₹0.25, and can be redeemed against a wide variety of Titan vouchers
• Important exclusions: No reward points are given on fuel, wallet upload, property rental, utilities

Up to 1.50% additional reward, at annual card spend of ₹10 lakhs

• Earn gift vouchers worth ₹5000, at ₹5 lakh annual card spend - 1% reward
• Earn gift voucher worth ₹10,000 (total ₹15000 in gift vouchers), at ₹10 lakh annual card spend - 1.50%

Complimentary visits to international airport lounges - 4 times per year (maximum 2 times per quarter). This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

1% fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions up to ₹3000

Up to 7.9% reward at participating Reliance Retail Stores

• 5% reward on AJIO & JioMart Online Stores, 2.50% reward on other Reliance stores 
• Up to 2.9% additional reward based on annual card spends at  Reliance stores

1.25% benefit on dining, movies & entertainment, domestic airlines, international spends

• You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.50% benefit on all other card spends

• You earn 2 reward points worth ₹0.50(50 paise), on every ₹100 you spend on all other spends.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
• Exceptions: No reward points are given on following card spends – fuel, property rental, wallet upload.

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary international airport lounge access – 4 times per year (maximum 2 times per quarter)

Complimentary domestic airport lounge access – 2 times per quarter

Movie benefits at Book My Show, up to ₹3000 per year : You get 1 complimentary movie ticket each month, up to ₹250.

7.5% cashback on Myntra purchases 

• Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart, Cleartrip 

• Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% cashback on Zomato, Uber, PVR and Netmeds

• Quarterly Cashback Limit: ₹4000, reached at ₹1 lakh spending 

1% cashback on all other eligible purchases (no cap)

• Important exclusions: No rewards on Fuel Spends, Wallet Load, Gift or prepaid card load, Voucher purchase, Cash Advance, Payment of outstanding balance, Payment of card fees and other charges, Rental and Govt. related Transactions, Education payments, Jewelery, Insurance, Gaming, EMI Spends

1% fuel surcharge waiver up to ₹400 per month

Welcome vouchers worth ₹1,250 

• ₹250 Flipkart voucher 
• Limited-time ₹500 each from Flipkart and Cleartrip)

Minimum monthly income 

• ₹15,000 (salaried) 
• ₹30,000 (self-employed)

10.80% reward on AC class rail ticket bookings on IRCTC (in non-peak season)

10% reward

• Earn 10 reward points worth ₹10, on every ₹100 spent in this category. 
• This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep

0.80% reward

• You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

Reward points redemption: 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC

4.80% reward on AC class rail ticket bookings on IRCTC (in peak season)

4% reward

• Earn 4 reward points worth ₹4, on every ₹100 spent in this category
• This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan

0.80% reward

• You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

0.80% reward on all other card spends

• Earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases (excluding fuel).
• 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC.

Complimentary railway lounge access – 1 per quarter

1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000

1.66% reward (10X) on the following card spends - departmental stores || groceries || dining || movies 

• Earn 6.6 reward points worth ₹1.6, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

0.16% reward (X) on all other card purchases 

• Earn 0.6 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

Fuel surcharge waiver up to ₹100 per month, valid only on fuel purchases between ₹500 and ₹3000

Secured card, issued against minimum fixed deposit of ₹25000

No annual fee for the first 4 years 

0.25% basic rewards on card spending

• Up to 0.25% rewards on all eligible spending (1 reward point per ₹100 spent)
• Reward points can be redeemed for gifts on SBI Rewards Catalogue

Important exclusions: No reward points

• Cash withdrawals & balance transfers
• Encash & FlexiPay transactions
• Fuel purchases

Up to 1% additional reward through milestone program

• ₹500 cashback, at ₹50,000 yearly spending (1% reward)
• Cashback credited within 15 days of reaching required spending

Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3000
• Waiver amount is restricted to ₹100 per month

3% reward (in term of airmiles/ hotel points) on travel spending

• 3 travel credits worth 3 airmiles/ hotel points, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings. 1 travel credit = ₹0.50 in this case.
• You can also redeem travel credits to buy products from Shop & Smile Product Catalogue. 1 travel credit = ₹0.25 in this case.

1% reward (in term of airmiles/ hotel points) on all other card spends

• 1 travel credits worth 1 airmile/ hotel point, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained in the previous point above.

Up to 1.6% additional reward (in term of airmiles/ hotel points), at ₹12 lakh annual card spend (milestone benefits)

• Earn 20,000 travel credits worth 20,000 airmiles/hotel points, at ₹12 lakh annual card spend. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained earlier.

Complimentary visits to international airport lounges - 6 times per year (maximum 2 times per quarter)

• This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

• Besides the above, you can get 1 additional lounge access, for every 1 lakh you spend on your card

Complimentary insurance benefits

• Up to 6 flight cancellations per year, each limited to ₹3,500
• Lost card liability up to ₹1 lakh
• Loss of check-in baggage up to ₹72,000
• Delay of check-in baggage ₹7,500
• Loss of travel documents up to ₹12,500
• Baggage damage cover up to ₹5,000

Lower foreign currency fee of 1.99% on international card transactions

1% fuel surcharge waiver, up to ₹500 per month

10% reward on Apollo Spends (Apollo 24|7 and Apollo Pharmacy): 10 reward points per ₹100 spent.

2% reward on dining, movies & entertainment, and travel: 2 reward points per ₹100 spent

0.50% reward on other card spends

Reward redemption

• 1 Reward Point = 1 Apollo Health Credit = ₹1

Complimentary Apollo Circle membership

• Up to 15% Value Back as Health Credits on medicines
• Up to 20% Value Back as Health Credits on diagnostic services
• Up to ₹150 in savings on doctor consultations
• Free home delivery of medicines

4 complimentary domestic airport lounge access per year

Complimentary OneApollo Gold Tier membership for 1st year

• If you meet the Apollo annual spend criteria for Gold membership, then you retain the Gold Tier membership after the 1st year, otherwise you are moved to Silver tier membership
• Annual spend criteria for Gold membership : The card holder has to spend at least ₹75,000 at Apollo ecosystem during the year. Or ₹7500 at Apollo Pharmacy, Apollo Sugar & Apollo Clinic.

Benefits of OneApollo Gold Tier membership include-

• 1.50% on spends at Apollo Health Centers (Apollo Hospitals & Clinics, Apollo Pharmacy and more)
• Extra benefits at Apollo Pharmacy: 5% on non-pharmaceutical products, 10% on pharmaceutical products,10 to 15% on Apollo brand products. Benefits given in the form of Apollo Health Credits. 1 Apollo Health Credit = ₹1
• Free home delivery of medicines
• Up to 20% discount on various Apollo services like health check ups, lab services, diagnostics, physio therapy, IVF, home nursing services, dental treatment, and more

3% additional reward on all Apollo spends with your card (in addition to rewards earned as an Apollo member)

• Get 3 reward points worth ₹3, on every ₹100 you spend on various Apollo services
• 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits
• 1 reward point = 1 Apollo Health Credit = ₹1. Reward points first need to be converted to Apollo Health Credits, which can then be redeemed at various Apollo Health Centers - Apollo Hospitals & Clinics, Apollo Pharmacy and more)

2% reward on dining spends || movie spends || entertainment spends

• Get 2 reward points worth ₹2, on every ₹100 you spend in these categories
• 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits

1% reward on beauty & wellness services spends

• Get 1 reward point worth ₹1, on every ₹100 you spend in these categories
• 1 reward point = ₹1, and can be redeemed instantly at select Apollo outlets, can used to buy Apollo vouchers, or can be converted to Apollo Health Credits

0.50% reward on all other non-fuel card spends: Get 0.50 reward points worth ₹0.50, on every ₹100 you spend in these categories

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 & ₹3000 

Up to 5.3% reward at participating Reliance Retail Stores

• 2.50% reward on AJIO & JioMart Online Stores, 1.25% reward on other Reliance stores 
• Up to 2.8% additional reward based on annual card spends at  Reliance stores 

Participating Reliance Stores include-

• Fashion : Ajio, Trends, Trends Footwear, Trends Man, Trends Woman, Trends Junior, Centro, Zivame, Centro Footwear
• Grocery : Smart Bazaar, Smart Point, Smart, Metro, Bismi Hypermart, Milkbasket, Freshpik
• Consumer electronics : Reliance Digital, JioMart Digital, MyJio stores, Jio Point, Bismi Connect
• Consumer marketplace : JioMart
• Home and living : Urban Ladder, Portico
• Pharma : Netmeds Pharmacy, NetMeds.com

1.25% benefit on the following spend categories –  dining || movies 

• You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.25% benefit on all other card spends

• You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card transactions.
• 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
• Exceptions : No reward points are given on following card spends – fuel, property rental, wallet upload.

Special discounts up to 5%, at participating Reliance Retail Stores

Fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹4000

Complimentary FITPASS PRO membership: 12 free monthly gym sessions || personalised fitness coaching || access to expert nutritionists

You get a free annual FITPASS PRO Membership, which gives you access to 3 memberships for all aspects of your fitness journey-

• FITPASS – 12 complimentary gym sessions per month (maximum 3 per week), across gyms and fitness centers
• FITCOACH – personalized fitness coaching routines, through FITPASS mobile application
• FITFEAST – access to expert nutritionists for personalized diet plans, through FITPASS mobile application

Complimentary Netmeds First membership worth ₹499 

• 6 free doctor consultations, talk to any specialist doctor for free
• Unlimited free delivery on orders above ₹99
• Additional 2% cashback (up to ₹100 in NMS Cash), on every ‘prepaid order of medicines
• Additional 10% discount (up to ₹100) on lab tests, in addition to existing offers

Complimentary airport lounge access in India – 2 per quarter

2.50% cashback on following spends - chemist || pharmacy || sports || dining spends || movie spends

• You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback

Up to 0.37% additional benefits at ₹4 lakh annual card spend (milestone benefits): Netmeds gift voucher worth ₹1500, at ₹4 lakh annual card spend - 0.37% benefit

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary insurance benefits – for unauthorised use of your credit card: Complimentary ₹1 lakh coverage, for protection against fraudulent transactions or unauthorised use of your credit card

Complimentary insurance benefits – related to air travel

• Coverage of up to $1000, in case of loss of checked-in baggage while travelling.
• Compensation of ₹7500, in case of any delays in receiving your checked-in baggage.
• Coverage of up to ₹12500, in case of loss of essential travel documents.
• Protection up to ₹7500, for flight delays

10.80% benefit on AC class rail ticket bookings on IRCTC – in non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep)

10% reward

• 10 reward points worth ₹10, on every ₹100 spent in this category
• This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep

0.80% benefit

• You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets.

Reward points redemption: 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

4.80% benefit on AC class rail ticket bookings on IRCTC – in peak season (1st April – 14th July, and 16th Sep – 14th Jan)

4% reward

• Earn 4 reward points worth ₹4, on every ₹100 spent in this category
• This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan

0.80% reward

• You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

5% benefit on air ticket purchases on IRCTC (www.air.irctc.co.in)

• You earn 5 reward points worth ₹5, on every ₹100 spent in this category
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

5% benefit on e-catering purchases on www.ecatering.irctc.co.in

• You earn 5 reward points worth ₹5, on every ₹100 spent in this category
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

0.80% benefit on all other card spends

• You earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC
• Exceptions : No reward points are given on fuel purchases, rent payments.

Up to 7.50% additional benefit on travel spends (milestone program)

• You get 2500 reward points worth ₹2500, at annual travel spend of ₹50,000 - 5% benefit
• You get an additional 5000 reward points worth ₹5000, at annual travel spend of ₹1 lakh. Hence you can earn 7500 reward points worth ₹7500, at annual travel spend of ₹1 lakh - 7.50% benefit

Complimentary railway lounge access – 2 times per quarter

1% transaction charges waiver on IRCTC railway ticket bookings 

Fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹500 and ₹4000

4.25% reward on BPCL fuel 

• 3.25% reward: 13 reward points worth ₹3.25, per ₹100 spent. Valid only on fuel transactions below ₹4000. Monthly limit: 1300 reward points worth ₹325, reached at ₹10,000 monthly spend.
• 1% fuel surcharge waiver at BPCL pumps: Valid only on fuel transactions up to ₹4000. Monthly limit: ₹100, reached at ₹10,000 monthly spend 

1.25% rewards on shopping & entertainment 

• Categories: Groceries, department stores, movies, dining
• Earning rate: 5 points worth ₹1.25, per ₹100 spent
• Monthly limit: 5000 reward points across all categories combined, reached at ₹1 lakh monthly spend 

0.25% rewards on other purchases

• Earning rate: 1 point per ₹100 (₹0.25 value)
• Important exclusions: Mobile wallet loads, non-BPCL fuel purchases, rent

Value of reward points & redemption

• Value: 1 point = ₹0.25
• Method: BPCL voucher purchases via SBI Card rewards platform, instant redemption of points at select BPCL outlets

5% reward (in KrisFlyer miles) on Singapore Airline spends: Earn 5 KrisFlyer miles on every ₹100 spent at Singapore Airlines

4% reward (in KrisFlyer miles) on international spends: Earn 4 KrisFlyer miles on every ₹100 spent abroad

3% reward (in KrisFlyer miles) on other card spends: Earn 3 KrisFlyer miles on every ₹100 spent on all other card purchases

Important exceptions: KrisFlyer miles are not given on the following card spends - property rental, fuel and wallet upload

Up to 2% additional reward (in terms of KrisFlyer miles), based on certain annual card spends (milestone benefits)

• Earn 10,000 KrisFlyer miles, at ₹5 lakh annual card spend - 2% reward (in terms of KrisFlyer miles)
• Earn an additional 3000 KrisFlyer miles (total 13,000 miles), at ₹10 lakh annual card spend - 1.3% reward (in terms of KrisFlyer miles

Tier upgrade to KrisFlyer Elite Gold membership, on spends of ₹7.50 lakhs on Singapore Airlines

Complimentary visits to international airport lounges - 8 times per year (maximum 2 times per quarter). This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

Complimentary insurance benefits

• Loss/ delay of check-in baggage up to ₹1 lakh
• Fraud loss cover of ₹10 lakh

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

5% reward on Paytm travel bookings: Earn 5 reward points worth ₹5, on every ₹100 you spend in these categories (no limit on reward points)

2% reward on all other Paytm spends: Earn 2 reward points worth₹2, on every ₹100 you spend on all other Paytm transactions (no limit on reward points)

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• Important exclusions: Reward points are not given on rent transactions, wallet loads and fuel purchases.

Reward points are converted and credited as Paytm vouchers, in your Paytm Wallet

Up to 0.6% additional reward based on yearly card spend targets (milestone benefits)

• Earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend - 0.50% benefit
• Earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend - 0.66% benefit
• You can choose between gift vouchers of Hush Puppies/Bata OR Pantaloons

Complimentary access to airport lounges in India - 1 time per quarter 

Free Priority Pass membership worth US $99, for international airport lounges 

• You get free Priority Pass membership for the first 2 years
• While the Priority Pass membership is free, you need to pay for each visit to the lounge (US $35 per visit, please refer to Priority Pass website for latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card

1% fuel surcharge waiver at all fuel stations up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

2.50% reward (in terms of KrisFlyer miles) on Singapore Airline spends: Earn 2.50 KrisFlyer miles on every ₹100 spent at Singapore Airlines

2.50% reward (in terms of KrisFlyer miles) on international spends: Earn 2.50 KrisFlyer miles on every ₹100 spent abroad

1% reward (in terms of KrisFlyer miles) on all other card spends: Earn 1 KrisFlyer mile on every ₹100 spent on all other card purchases

Important exceptions: KrisFlyer miles are not given on the following card spends - property rental, fuel and wallet upload

Up to 1% additional reward (in terms of KrisFlyer miles), at ₹3 lakh annual card spend (milestone benefits): Earn 3,000 KrisFlyer miles, at ₹3 lakh annual card spend - 1% reward (in terms of KrisFlyer miles)

Tier upgrade to KrisFlyer Elite Silver membership, on spends of ₹2.50 lakhs on Singapore Airlines

Complimentary visits to domestic airport lounges - 4 times per year (maximum 1 time per quarter)

Complimentary insurance benefits

• Loss/ delay of check-in baggage up to ₹1 lakh
• Fraud loss cover of ₹1 lakh

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

2% reward (in term of airmiles/ hotel points) on travel spending

• Earn 2 travel credits worth 2 airmiles/ hotel points, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings. 1 travel credit = ₹0.50 in this case.
• You can also redeem travel credits to buy products from Shop & Smile Product Catalogue. 1 travel credit = ₹0.25 in this case.

1% reward (in term of airmiles/ hotel points) on all other card spending

• Earn 1 travel credits worth 1 airmile/ hotel point, on every ₹100 spent on all other card spending. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained in the previous point above.

Up to 1.25% additional reward (in term of airmiles/ hotel points), at ₹8 lakh annual card spend (milestone benefits)

• Earn 10,000 travel credits worth 10,000 airmiles/hotel points, at ₹8 lakh annual card spend - 1.25% reward (in term of airmiles/ hotel points). 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained earlier.

Complimentary visits to international airport lounges - 4 times per year (maximum 2 times per quarter). This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

• Besides the above, you can get 1 additional lounge access, for every ₹1 lakh you spend on your card

Complimentary insurance benefits

• Up to 6 flight cancellations per year, each limited to ₹3,500
• Lost card liability up to ₹1 lakh
• Loss of check-in baggage up to ₹72,000
• Delay of check-in baggage ₹7,500
• Loss of travel documents up to ₹12,500
• Baggage damage cover up to ₹5,000

Lower foreign currency fee of 2.50% on international card transactions

1% fuel surcharge waiver, up to ₹250 per month

1% reward (in term of airmiles/ hotel points) on travel spending

• Earn 1 travel credit worth 1 airmile/ hotel point, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings. 1 travel credit = ₹0.50 in this case.
• You can also redeem travel credits to buy products from Shop & Smile Product Catalogue. 1 travel credit = ₹0.25 in this case.

0.50% reward (in term of airmiles/ hotel points) on all other card spends

• Earn 0.50 travel credit worth 0.50 airmile/ hotel point, on every ₹100 spent on all other card purchases. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained in the previous point above.

Up to 1% additional reward (in term of airmiles/ hotel points), at ₹5 lakh annual card spend (milestone benefits)

• Earn 5,000 travel credits worth 5,000 airmiles/hotel points, at ₹5 lakh annual card spend - 1% reward (in terms of airmiles/ hotel points). 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained earlier.

Complimentary visits to domestic airport lounges - 4 times per year (maximum 2 times per quarter)

• Besides the above, you can get 1 additional lounge access, for every ₹1 lakh you spend on your card.

Complimentary Priority Pass membership enabling access to international lounges, but each visit is chargeable. Priority Pass membership worth USD 99, is complimentary for the first two years only.

Lower foreign currency fee of 3% on international card transactions, versus usual charges of 3.50%-3.75% levied by most cards in the industry

1% fuel surcharge waiver, up to ₹250 per month

3% reward on following Paytm spends - travel tickets (flights, train & bus) || shopping at Paytm Mall || movie tickets

• Earn 3 reward points worth ₹3, on every ₹100 you spend in these categories
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

2% reward on all other Paytm spends 

• Earn 2 reward points worth ₹2, on every ₹100 you spend on all other Paytm transaction
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.
• Exception: No reward points are given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

7% cashback on all Ola rides

• Get 7 reward points worth ₹7, on every ₹100 you spend on Ola rides
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet. You can use OlaMoney to pay for everything starting from your cab fares, mobile bills, DTH recharges, electricity & gas bills, and for online shopping. Some of the premium partners include BookMyShow, eBay, Dominos, Cleartrip, and OYO Rooms.

1% cashback on all other card spends

• 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet.

Fuel surcharge waiver, up to ₹100 per month

2.50% benefit (10X) on select online partners – Myntra (fashion) || Cleartrip, Yatra (travel) || Dominos (dining) || BookMyShow (movies) || Apollo24×7, Netmeds (health & medicine) || IGP

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend at these partners.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

1.25% benefit (5X) on all other online purchases - on purchases up to ₹2 lakhs per month 

• You earn 5 reward points worth ₹1.25 (1 rupee & 25 paise), on every ₹100 you spend on all other online purchases.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

0.25% benefit (X) on all other card purchases: You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.

Up to 2% additional benefit, on achieving annual spend targets (milestone privileges)

• Get ₹2000 Cleartrip/Yatra voucher, at ₹1 lakh yearly online card spend - 2% benefit
• Get an additional ₹2000 Cleartrip/Yatra voucher (total ₹4000 vouchers), at ₹2 lakhs yearly online spend - 2% benefit

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

UPI enabled card

1.66% reward on departmental stores & grocery spends || dining spends || movie spends

• 6.66 reward points worth ₹1.66, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), can be redeemed on SBI Card’s rewards redemption platform.

0.16% reward on all other card spends

• 0.66 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card transactions
• 1 reward point = ₹0.25 (25 paise), can be redeemed on SBI Card’s rewards redemption platform.

1% fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000