Best SBI RuPay Credit Cards in India 2025 - Complete List & Benefits

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

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

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

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.

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