sbi-card

The SBI Card SimplySAVE issued through Punjab & Sind Bank branches. Identical rates to every other partner bank version, with the fee reversed on spend.

25 points per ₹100 at Lifestyle, Max and Home Centre, a ₹3,000 bonus every year, and twelve lounge visits.

3.75% back at Landmark stores and 2.5% on dining and movies, but squeezed between a cheaper card and a far better one.

A ₹589 store card returning 10 points per ₹100 at six Landmark brands, with a renewal bonus that nearly cancels the fee.

The milestone flight tickets are gone, but a nil renewal fee, twelve lounge visits a year and 4 CV Points per ₹200 remain.

A credit card built around professional indemnity insurance for practising doctors, with a fee that reverses at ₹2 lakh of annual spend.

Up to 10% value back on AC class IRCTC bookings and points worth ₹1 each, but no lounge access at all.

10% back on PhonePe with no cap and a fee that reverses at ₹3 lakh, but SBI is not taking online applications.

5% on Paytm travel, four lounge visits and ₹2 lakh cyber fraud cover, with the fee waived entirely at ₹2 lakh of spend.

A flat 1% floor and 3% on Paytm travel, but closed to new applicants and no longer paying actual cashback.