SBI CashBack Card vs SBI SimplySAVE
Side-by-side credit card comparison to help you choose the best one.
SBI CashBack Card
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | ||
|---|---|---|
| Bank | SBI | SBI |
| Card Type | Premium Cashback | Rewards |
| Annual Fee | ₹999 + GST | ₹499 + GST |
| Joining Fee | ₹999 + GST | ₹499 + GST |
| Rewards | 5% Cashback on ALL online spends | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Pure Cashback | Everyday Spending |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | 500 bonus reward points |
| Min Income | ₹30,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹499 + GST | ₹249 + GST |
| Rating | 4.5 | 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
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 CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.
Frequently asked questions
Which is better: SBI CashBack Card or SBI SimplySAVE?
SBI CashBack Card has the higher CardKhoj rating (4.5/5) and is best for pure cashback. SBI SimplySAVE is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: SBI CashBack Card and SBI SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹999 + GST for SBI CashBack Card.
Do SBI CashBack Card and SBI SimplySAVE offer airport lounge access?
No. None of these cards include complimentary airport lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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