I think you know SBI is one of India’s most trusted indian banks, its offer a wide range of credit cards for different spending habits. Whether you’re a student, a salaried professional, or a premium customer, SBI has something tailored just for you. Here’s I compare the detailed blog post on the Top 3 SBI Credit Cards in India (2025) including their features, eligibility, pros & cons, and why you should choose them.
So without any delay let’s gets start!
best sbi credit cards in 2025
1. SBI SimplyCLICK Credit Card
Best for Online Shoppers
Key Features & Fees
Annual Fee: ₹499 (plus taxes); waived if you spend ₹1 lakh in a year.
Welcome Gift: ₹500 Amazon e-gift voucher on fee payment.
Reward Points:
10× points on online spends with select partners (BookMyShow, Myntra, Cleartrip, Dominos, Apollo24x7, Yatra, Netmeds, IGP, Swiggy).
5× points on all other online spends.
1× point per ₹100 spent in offline transactions
Milestone Vouchers: ₹2,000 e-vouchers (Cleartrip/Yatra) on crossing ₹1 lakh and ₹2 lakh online yearly spend.
Fuel Surcharge Waiver: 1% on transactions ₹500–₹3,000 (max ₹100 per month).
Contactless Payments: Enabled for quick, tap-and-go transactions.
Other Features: Worldwide acceptance, add-ons, cash withdrawal in ATMs, utility bill pay, balance transfer & flexible EMI (Flexipay).
Eligibility Criteria
Age: 21–70 years
Income: Salaried or self-employed with adequate income/proof; specific minimum not disclosed, but typically ₹20,000+ monthly.
Documents Needed:
ID proof (e.g., Aadhar, PAN)
Income proof (salary slips/bank statements for last 3 months)
Pros and Cons
 Pros |  Cons |
|---|---|
| Great rewards for online shoppers: 10× on partner sites, 5× on general online buys. | Low offline rewards—just 1× point per ₹100 spent in physical stores. |
| Milestone vouchers (₹2,000) boost value for high online spenders. | ₹499 fee if below ₹1 lakh annual spend—can nullify benefits for low users. |
| Fuel surcharge waiver helps offset costs. | High interest rates (~42% p.a.) and late-fee penalties (~₹1,300). |
| Contactless & global acceptance makes payments faster and safer. | Complexity in tracking multiple tiers: partners, online general, offline. |
| Flexipay & balance transfer allows flexible repayment. | No lounge access or travel benefits. |
Why Choose the SimplyCLICK Card?
Frequent Online Purchasers – You shop often on Amazon, Myntra, Dominos, BookMyShow, etc. This card maximizes rewards in that space.
Milestone-Seeking – If you regularly spend ₹1–2 lakhs online, the ₹2,000 vouchers further increase your ROI.
City Dwellers with Card Awareness – Comfortable managing multiple reward tiers and paying off balances monthly to avoid interest.
Fee-Aware Users – If you spend ₹1 lakh annually, you effectively get a zero-fee card with premium perks.
2. SBI SimplySAVE Credit Card
Best for Everyday Spending
Key Features & Fees
Annual Fee: ₹499 + taxes; waived if you spend ₹1,00,000 a year.
Welcome Bonus: 2,000 points for spending ₹2,000 within 60 days.
Rewards:
10X (10 points per ₹150) on dining, movies, grocery & departmental store spends.
1X elsewhere (1 point per ₹150 spent).
Fuel Surcharge Waiver: 1% on petrol spends of ₹500–₹3,000, up to ₹100/month.
Category Uses: Points redeemable against statement balance or gift catalogue.
Other Benefits: Contactless payments, balance transfer, Flexipay EMI conversion, add-on cards, global acceptance
Eligibility Criteria
Age: 21–60 years
Income: Salaried or self-employed with reliable income; minimum not public but comparable to similar SBI cards (~₹20k‑₹25k/month).
Credit Score: Ideally 750+ improves approval chances
Pros and Cons
| Pros | Cons |
|---|---|
| High everyday rewards – 10X on groceries, dining, cinemas & departmental stores. | Low value on non-category spends (~0.17% return: 1 pt/₹150 ≈ ₹0.25). |
| Straightforward fee waiver if spending ₹1 lakh/year. | No milestone bonuses beyond welcome – no ongoing freebies post first transaction. |
| Fuel surcharge waiver saves about ₹100/month. | No travel perks — no lounge, insurance, or premium benefits. |
| Useful core SBI features – contactless, Flexipay, balance transfer, add-on cards. | Redemption limited to SBI gift catalogue or statement credit, no direct voucher options. |
Why Choose this Card?
Ideal for weekly grocery/dining & movie-goers – high 10X on common spends means quick point accumulation.
Low barrier & fee waiver – entry-level cost with achievable yearly spend for waiver.
Effective fuel savings – monthly surcharge waiver adds up.
Great for offline spenders – unlike SimplyCLICK (online-focused), this excels in everyday real-world transactions.
3. SBI Cashback Credit Card
Best for Flat Cashback
Key Features & Fees
Annual Fee: ₹999 (+GST), waived if you spend ₹2 lakh in the previous year.
Cashback Rates:
5% cashback on all online spend (no merchant restrictions).
1% cashback on offline spend (swipes, POS payments).
Cashback excludes EMI, utility, insurance, fuel, rent, schools, and jewelry.
Monthly Cashback Cap: ₹5,000 total (combined online + offline).
Cashback Credited: Automatically within 2 working days post statement generation.
Fuel Surcharge Waiver: 1% on ₹500–₹3,000 transactions, up to ₹100/month.
Others: Contactless payments, worldwide acceptance, add-on cards, balance transfers, Flexipay EMI
Eligibility Criteria
Age: 21–70 years.
Income: Salaried or self-employed; minimum annual income around ₹3 lakh.
Credit Score: Likely 750+ for better approval chances.
Pros and Cons
| Pros | Cons |
|---|---|
| Generous 5% cashback on online spend—no merchant restrictions. | High annual fee of ₹999 if ₹2 lakh is not met. |
| Easy cashback redemption autocredited to statement. | ₹5,000 monthly cap limits high-value online shoppers. |
| Simple structure—straight 5%/1%, no points conversions. | Many exclusions: EMI, fuel, utilities, rent, etc., earn no cashback. |
| Fuel surcharge waiver adds extra value. | No premium perks: no lounge access, travel insurance. |
| Contactless & global use, Flexipay & add-on cards. | Low credit limits often assigned initially (<₹50k). |
| Quick cashback posting—within 2 days of statement. | No welcome gift, unlike many other cards. |
Why Choose This Card?
Frequent Online Shoppers: If you spend heavily on Amazon, Flipkart, Myntra, or other e‑commerce platforms, 5% cashback is hard to beat.
Straightforward Rewards: No fuss around reward points or categories—cashback is autocredited and easy to track.
Cap Manageable: A ₹5,000/month cap equals ₹60,000/year cashback potential from 1.2 lakh online spend—enough for many users.
Good Secondary Benefits: Fuel waiver, contactless, global usage, and Flexipay cover most user needs without premium fees.
Our final words based upon above discusssion
✅1. SBI SimplyCLICK Credit Card
Best for: Regular online shoppers at specific partner sites
Choose this if:
You frequently shop at Amazon, BookMyShow, Cleartrip, Netmeds, etc.
You want good partner-based rewards (10X).
You are okay with a reward point system and converting points.
Avoid if: You shop from varied websites (non-partners), or want flat cashback.
✅ 2. SBI SimplySAVE Credit Card
Best for: Users who spend mostly offline (groceries, dining, movies)
Choose this if:
You’re a student, beginner, or salaried person with low-to-moderate income.
You shop at local markets or physical stores often.
You want fast approval, low joining fee, and a simple reward structure.
Avoid if: Your purchases are mostly online.
✅ 3. SBI Cashback Credit Card
Best for: Heavy online spenders on any website (no partner limitations)
Choose this if:
You shop online often across all platforms (Flipkart, Myntra, Ajio, etc.).
You want direct cashback, not points.
You can hit ₹2 lakh annual spend to waive the ₹999 fee.
Avoid if: You don’t shop online frequently or want premium perks (like lounge access).