sbi-card

A ₹3,000 joining voucher, ₹8,750 in milestones and a free monthly movie ticket, but every reward comes back as a Reliance voucher.

The lowest forex markup on any mainstream Indian card, a 1.5% floor including UPI, and a fee that reverses at ₹3 lakh.

5,000 BluChips back every year on renewal, 14 lounge visits and four milestone vouchers, with no spend based fee waiver.

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

SBI’s top fuel card pays 6.25% in points at BPCL pumps plus a 1% surcharge waiver, with the ₹1,499 fee reversed at ₹2 lakh of spending.

A ₹1,499 health card paying 10% back at Apollo, where every point is fixed at ₹1 but can only be spent at Apollo.

A ₹4,999 Air India co-brand card with no fee waiver, built around milestones that only start paying at ₹5 lakh of annual spending.

A ₹1,499 Air India co-brand card with no fee waiver, whose case now rests on its ₹2 lakh and ₹3 lakh milestones.

A ₹499 everyday card paying 1.67% on groceries, dining and movies, with the lowest fee-waiver threshold in SBI’s lineup.

SBI’s lifestyle flagship pays just 0.5% base, so its ₹5,000 voucher, ₹6,000 movie benefit, milestone points and 1.99% forex markup have to carry the fee.