SBI CashBack Card vs SBI SimplySAVE vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | SBI CashBack Card | SBI SimplySAVE | Kotak Royale Signature |
|---|---|---|---|
| Bank | SBI | SBI | Kotak Mahindra |
| Annual Fee | ₹999 + GST | ₹499 + GST | ₹999 + GST |
| Joining Fee | ₹999 + GST | ₹499 + GST | ₹999 + GST |
| Rewards | 5% Cashback on ALL online spends | 10X rewards on dining, grocery, movies & dept stores | 4 reward points per ₹150 on all spends |
| Best For | Pure Cashback | Everyday Spending | Travel & Entertainment |
| Card Type | Premium Cashback | Rewards | Premium |
| Rating | 4.5 | 4.2 | 4.3 |
SBI CashBack Card
Pure 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
- ✓ ₹500 annual fee waiver on ₹1L spend
- ✓ Fuel surcharge waiver
- ✓ 5X rewards on all other spends
- ✓ Contactless payments enabled
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, SBI CashBack Card currently ranks highest among your selected cards.