sbi-card

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.

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.