SBI CashBack Card vs IDFC First WOW vs BoB Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI CashBack Card
4.5
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | SBI CashBack Card | IDFC First WOW | BoB Select |
|---|---|---|---|
| Bank | SBI | IDFC First Bank | Bank of Baroda |
| Card Type | Premium Cashback | Rewards | Entry Level |
| Annual Fee | ₹999 + GST | Lifetime Free | ₹499 + GST |
| Joining Fee | ₹999 + GST | Nil | ₹499 + GST |
| Rewards | 5% Cashback on ALL online spends | 10X reward points on every spend category | 2 reward points per ₹100 spent |
| Best For | Pure Cashback | All-Round Rewards | Everyday Spending |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | None | 500 reward points on first spend | 500 reward points on first spend |
| Min Income | ₹30,000/month | ₹15,000/month | ₹15,000/month |
| Lounge Access | None | 6 domestic + 2 international per year | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹499 + GST | Free | Free |
| Rating | 4.5 | 4.5 | 4 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
Verdict
Based on rating and overall value, SBI CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.