SBI CashBack Card vs SBI ELITE vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI CashBack Card | SBI ELITE | PNB Rupay Platinum |
|---|---|---|---|
| Bank | SBI | SBI | Punjab National Bank |
| Card Type | Premium Cashback | Super Premium | Entry Level |
| Annual Fee | ₹999 + GST | ₹4,999 + GST | ₹299 + GST |
| Joining Fee | ₹999 + GST | ₹4,999 + GST | ₹99 + GST |
| Rewards | 5% Cashback on ALL online spends | 2X reward points on dining, movies & grocery | 2 reward points per ₹100 on all spends |
| Best For | Pure Cashback | Premium Lifestyle | Budget Users |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹3,00,000 - ₹15,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | None | 5000 bonus reward points | None |
| Min Income | ₹30,000/month | ₹60,000/month | ₹12,000/month |
| Lounge Access | None | Unlimited domestic + 6 international per year | None |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹499 + GST | Free | Free |
| Rating | 4.5 | 4.6 | 3.9 |
| Contactless | |||
| EMI Conversion |
Key Features
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
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.