SBI CashBack Card vs SBI ELITE vs SBI SimplySAVE
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 | SBI SimplySAVE |
|---|---|---|---|
| Bank | SBI | SBI | SBI |
| Card Type | Premium Cashback | Super Premium | Rewards |
| Annual Fee | ₹999 + GST | ₹4,999 + GST | ₹499 + GST |
| Joining Fee | ₹999 + GST | ₹4,999 + GST | ₹499 + GST |
| Rewards | 5% Cashback on ALL online spends | 2X reward points on dining, movies & grocery | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Pure Cashback | Premium Lifestyle | Everyday Spending |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹3,00,000 - ₹15,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | 5000 bonus reward points | 500 bonus reward points |
| Min Income | ₹30,000/month | ₹60,000/month | ₹20,000/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 ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹499 + GST | Free | ₹249 + GST |
| Rating | 4.5 | 4.6 | 4.2 |
| 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
SBI SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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.