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.

A ₹2,999 travel card with 2.5% forex, up to 20 domestic lounge visits and a ₹8 lakh milestone that decides whether it pays for itself.

★ 3.5 / 5 [Card image placeholder: SBI Card MILES] At a Glance Joining Fee ₹1,499 plus GST Annual Fee ₹1,499 plus GST, reversed on ₹6 lakh annual spends Best Suited For Occasional domestic flyers who want an airline-agnostic travel card at a low fee Reward Type Travel Credits, transferable to airline miles and hotel…

★ 3.5 / 5 [Card image placeholder: PSB SBI Card PRIME] At a Glance Joining Fee ₹2,999 + GST (₹3,539 all-in) Annual Fee ₹2,999 + GST, waived on ₹3,00,000 annual spend Best Suited For Households paying ₹10,000–₹15,000 a month in utility bills and spending ₹5 lakh a year Reward Type SBI Reward Points (4 points…

★ 2.5 / 5 SBI Card does not accept online applications for Unnati. The official brochure directs applicants to their nearest State Bank of India branch. See “How to Apply” below. At a Glance Joining Fee Nil Annual Fee Nil for the first 4 years, then ₹499 + 18% GST from the 5th year Best…