Discover the best credit cards in India and start your credit journey with top-rated, lifetime free options.
SBI Card MILES PRIME
Joining Fee - Rs. 2,999 + GST
Rewards Rate : Get 4 Travel Credits for every 200 spent on travel and 2 Travel Credits for every 200 on other expenses.
Reward Redemption : Convert Travel Credits into air miles, hotel points, travel bookings, etc.
Travel : Get a complimentary Priority Pass Membership worth $99.
Domestic Lounge Access : 8 complimentary domestic airport lounge access per year.
International Lounge Access : 4 complimentary international airport lounge access per year.
Insurance Benefits : Travel insurance is provided (flight cancellations, lost baggage, air accident coverage, etc.).
Fuel Surcharge : 1% Fuel Surcharge Waiver across all petrol pumps.
SBI Card PULSE
Joining Fee - Rs. 1,499 + GST
Movie & Dining : 10 Reward Points per Rs. 100 spent on movie and dining
Rewards Rate : 10 Reward Points per Rs. 100 spent on Pharmacy, Chemist, movie & dining and 2 RPs per Rs. 100 spent elsewhere.
Reward Redemption : The Reward points are redeemable against a host of options on the Rewards catalogue or against the statement balance (1 RP = Re. 0.25).
Travel : Get complimentary access to domestic lounges along with complimentary Priority Pass membership.
Domestic Lounge Access : 2 complimentary domestic lounge visits per quarter.
Insurance Benefits : Get an air accident cover of Rs. 50 lakhs, zero liability cover of Rs. 1 lakh, and other travel insurance covers, including lost baggage, delayed baggage, loss of travel documents, etc.
Fuel Surcharge : No surcharge on fuel transactions at Indian petrol stations (for transactions between Rs.500 and Rs.3,000).
Doctors IMA SBI Card
Joining Fee - Rs. 1,499 + GST
Rewards Rate : 1 Reward Point per Rs. 100 spent with a reward rate of 0.25% and 5 Reward Points per Rs. 100 spent on medical supplies, travel bookings and international spends with a reward rate of 1.25% and 5 reward points on all spends on Doctor's Day.
Reward Redemption : Reward points can be redeemed against an array of options from the reward point catalogue. 1 Reward Point = Rs. 0.25
Travel : Free access to the priority pass program worth $99 under International Lounge Benefits
Domestic Lounge Access : Complimentary Lounge Access for domestic airports 8 times a year, maximum 2 times a quarter
International Lounge Access : Complimentary Lounge Access for international airports 4 times a year, maximum 2 times a quarter
Insurance Benefits : Get Professional Indemnity Insurance which covers up to Rs 20 lakhs per card and includes court awards, out-of-court settlement expenses, and reimbursement of legal and defense cost
Reliance SBI Card PRIME
Joining Fee - Rs. 2,999 + GST
Movie & Dining : One Free Movie Ticket Each Month Worth Rs. 250
Rewards Rate : 10 RPs at Reliance Stores (2 RPs for UPI Payments), 5 RPs on Movies, Dinning, Domestic Airlines & International Spends. 2 RPs on Other Spends
Reward Redemption : Can Be Redeemed for Reliance Vouchers (1 RP = 0.25)
Domestic Lounge Access : 8 Complimentary Visits Per Year (2 Each Quarter)
International Lounge Access : 4 Complimentary Visits Per Year (2 Each Quarter)
SBI SimplyCLICK Credit Card
Joining Fee - Rs. 499 + GST
Rewards Rate : Get 10X Reward Points on partner brands (e.g. BookMyShow, Apollo 24/7), 5X Reward Points on online purchases, and 1 Reward Point for every Rs. 100 spent on other purchases.
Reward Redemption : Reward Points can be redeemed for gift vouchers on sbicard.com or via the SBI mobile app, as well as for paying the cards outstanding balance, 1 RP = Rs. 0.25
SBI SimplySAVE UPI Rupay Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : 10X Reward Points on movie and dining spends
Rewards Rate : 1 Reward Point/150 Spent (Reward Rate = 0.7%) and 10X RPs for Spends on Movies, Grocery, Dining, & Departmental Stores (Reward Rate 1.7%)
Reward Redemption : Redeem points earned for gift vouchers on sbicard.com or SBI mobile app. Also, for paying the cards outstanding balance. (1 Reward Point = Rs. 0.25)
Fuel Surcharge : 1% Fuel Surcharge Waiver on transactions between Rs.500 and Rs.3,000 at any petrol pump in India.
SBI Prime Credit Card
Joining Fee - Rs. 2,999 + GST
Movie & Dining : 5X Reward Points (10 Reward Points) on dining and movie spendsGet up to 25% discount on dining bills at partner restaurants (only with AmEx variant)
Rewards Rate : 10 Reward Points for every spend of Rs. 100 on groceries, dining, movie and departmental store, 2 RPs for every Rs. 100 spent on all other retail.
Reward Redemption : Redeem reward points on Sbicard.com for gift vouchers or for settling the card's statement balance.1 RP = Rs. 0.25
Domestic Lounge Access : 8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter)
International Lounge Access : 4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter)
Golf : Complimentary 4 rounds of green fee and 1 complimentary golf lesson every month and also up to 50% off on golf games (With MasterCard Variant only)
Insurance Benefits : Air accident cover (worth Rs. 50 lakhs), fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting about the loss of the card to the bank
Fuel Surcharge : 1% Fuel Surcharge Waiver on transactions between Rs.500 and Rs.4,000 at all petrol pumps in India.
Paytm SBI Credit Card Select
Joining Fee - Rs 1,499 + GST
Rewards Rate : 5% cashback on Paytm Mall, Movies, Travel. 2% cashback on all other purchases on Paytm App. 1% cashback on other online and offline spends.
Travel : Complimentary Domestic Airport Lounge access and Priority Pass worth US $99.
Domestic Lounge Access : Complimentary Domestic Airport Lounge access 4 times in a year, capped to 1 visit per quarter.
International Lounge Access : Complimentary Priority Pass worth US $99 for 2 years of cardholder membership under the International Lounge Program.
Insurance Benefits : Your credit card is protected by Cyber Fraud Insurance Cover worth Rs 2 Lacs which covers financial loss due to fraudulent usage of your credit card by someone else.
Cashback SBI Credit Card
Joining Fee - Rs. 999 + GST
Rewards Rate : 5% cashback for every online transaction and 1% cashback on other offline transactions. You can earn a maximum of Rs. 5000 cashback in a single statement cycle.
Reward Redemption : Cashback earned with the card will be automatically credited to next months statement.
Reliance SBI Card
Joining Fee - Rs. 499 + GST
Movie & Dining : 5 RPs on Per Rs. 100 Spent
Rewards Rate : 5 RPs on Reliance Retail Stores, Dining & Movies Per Rs. 100 Spent. 1 RP Per Rs. 100 Spent on Other Retail Purchases
Reward Redemption : 1RP = Rs. 0.25
Fuel Surcharge : 1% surcharge waiver across all petrol pumps in India, for transactions between Rs. 500/- and Rs. 4,000/- exclusive of GST and other charges
IRCTC SBI Card Premier
Joining Fee - Rs. 1,499 + GST
Rewards Rate : For every Rs. 125 spent on dining and another utility spend, you get 3 reward points and for every Rs. 125 spent on other non-fuel purchases you get 1 reward point.
Reward Redemption : 1 Reward Point = Re. 1.
Travel : 8 complimentary access to railway lounges per year
Insurance Benefits : You get insurance coverage against air accidents, railway accidents, and a fraud liability cover.
BPCL SBI Credit Card
Joining Fee - Rs. 499 + GST
Movie & Dining : 5X Reward Points on movie and dining spends
Rewards Rate : 1 Reward Point per Rs. 100 (reward rate = 0.25%), 5x RPs on dining, movies, departmental stores, and groceries (reward rate = 1.25%), 13X RPs at BPCL pumps (reward rate = 3.25%)
Reward Redemption : Reward Points are redeemable against gift vouchers on sbicard.com or on the SBI mobile app, for purchases at BPCL petrol stations and against cash (cards statement balance). 4 Reward Points = Re. 1.
Fuel Surcharge : 4.25% Valueback ~ 13X* Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
SBI Card Miles Elite
Joining Fee - Rs. 4999 + GST
Rewards Rate : 6 Travel Credits per Rs. 200 spent on Travel-related expenses
Reward Redemption : Air Miles/Hotel Points: 1 Travel Credit = 1 Air Mile/Hotel Point
Travel : Complimentary Priority Pass Membership for the first 2 years
Domestic Lounge Access : 8 complimentary visits per calendar year (maximum 2 per quarter)
International Lounge Access : 6 complimentary visits per calendar year
Fuel Surcharge : 1% Fuel Surcharge Waiver on transactions between ₹500 and ₹4,000 at any petrol pump across the country
SBI Tata Neu Infinity Card
Joining Fee - Rs. 1,499 + GST
Rewards Rate : 5% NeuCoins on non-EMI spends at Tata Neu App/Website
Reward Redemption : NeuCoins Redemption: 1 NeuCoin = Rs. 1, redeemable on Tata Neu App/Website and partner brands.
Travel : Complimentary Priority Pass membership worth $99
Domestic Lounge Access : 8 complimentary visits per calendar year (maximum 2 per quarter)
International Lounge Access : 4 complimentary visits per calendar year
Fuel Surcharge : 1% Fuel Surcharge Waiver on transactions between Rs. 500 and Rs. 4,000 at any petrol pump across the country
BPCL SBI Octane Credit Card
Joining Fee - Rs. 1,499 + GST
Movie & Dining : Accelerated 10 Reward Points for Every 100 Spent on Dining and Movie Tickets.
Rewards Rate : 25 Reward Points/100 Spent at BPCL Fuel Stations (Reward Rate = 7.25%), 10 RPs/100 Spent on Groceries, Departmental Stores, and Movie Tickets, and 1 Reward Point for Every 100 Spent on All Other Expenditures
Reward Redemption : Redeem RPs for Fuel at BPCL Stations, Against Statement, or for Products and Vouchers With SBI
Travel : Complimentary domestic airport lounge visits
Domestic Lounge Access : 4 complimentary access to domestic lounges every year (1 per quarter).
Insurance Benefits : Fraud Liability Cover of 1 Lakh
Fuel Surcharge : Enjoy 7.25% Value back ~ 25X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 2500 Reward Points per billing cycle
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