SBI CashBack Card vs SBI SimplySAVE vs IDFC First WOW
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 | SBI SimplySAVE | IDFC First WOW |
|---|---|---|---|
| Bank | SBI | SBI | IDFC First Bank |
| Card Type | Premium Cashback | Rewards | Rewards |
| Annual Fee | ₹999 + GST | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹999 + GST | ₹499 + GST | Nil |
| Rewards | 5% Cashback on ALL online spends | 10X rewards on dining, grocery, movies & dept stores | 10X reward points on every spend category |
| Best For | Pure Cashback | Everyday Spending | All-Round Rewards |
| 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 | ₹25,000 - ₹3,00,000 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | None | 500 bonus reward points | 500 reward points on first spend |
| Min Income | ₹30,000/month | ₹20,000/month | ₹15,000/month |
| Lounge Access | None | None | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on ₹500-₹3,000 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 | ₹249 + GST | Free |
| Rating | 4.5 | 4.2 | 4.5 |
| 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
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
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
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.