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SimplifyCards take: The SBI Cashback Credit Card is an excellent choice if you're looking for an SBI card focused on cashback, particularly for your online spending. It's best suited for those who frequently shop online, offering direct cashback on transactions. This card comes with an annual fee of Rs 999, which can be waived if your annual spends reach Rs 2,00,000. As an alternative, you might consider the Flipkart SBI Card, which also offers cashback, primarily on Flipkart, Myntra, and Cleartrip, with a lower annual fee of Rs 500.
The industry benchmark for cashback, offering flat 5% cashback on all online spends (capped at Rs 5,000/month) and 1% on offline transactions.
Optimized for titan and jewellery, featuring complimentary lounge access.
Optimized for flipkart and myntra.
| Feature | SBI Cashback Credit Card | Titan SBI Card | Flipkart SBI Card |
|---|
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| Best for | online, cashback | titan, jewellery, watches | flipkart, myntra, cleartrip |
| Reward rates | 1% - Base reward rate upto 5% - accelerated reward rate | 0.8% - Base reward rate upto 1.9% - accelerated reward rate | 1% - Base reward rate upto 7.5% - accelerated reward rate |
| Annual fee | Rs 999 | Rs 2,999 | Rs 500 |
| Fee waiver spend | Rs 2 lakhs | Rs 3 lakhs | Rs 3.5 lakhs |
| Domestic lounge | 0 | 8 | 0 |
| International lounge | 0 | 4 | 0 |
| Forex markup | 3.5% | 3.5% | 3.5% |