A Quick Comparison Of 3 Best SBI Credit Cards

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Credit Cards from State Bank of India (SBI) are often touted as the best, while some prefer Citibank credit cards.

Honestly speaking, what works best for one individual, does not for another. If one credit card holder is inclined to use the a credit card for petrol and gains points there, another might want to use it purely for restaurants.

A Quick Comparison Of 3 Best SBI Credit Cards
So, a fuel credit card, may not gain you good reward points at a departmental store.

In any case, here are the best SBI Credit Cards that we have compared:

BenefitSBI Platinum CardSBI Signature CardsSimply Save SBI Card
Reward Points5 times rewards at departmental stores, grocery and eating out.5 times rewards at departmental stores, grocery and eating out.10 times rewards at departmental stores, grocery and eating out.
Reward PointsFor every Rs 100, get 2 reward pointsFor every Rs 100, get 2 reward pointsFor every Rs 100, get 1 reward points
Fuel SurchargeWaiver of up to Rs 250.Waiver of upto Rs 250.Waiver of up to Rs 100.
Annual FeeRs 2999Rs 4999Rs 499
Annual Fee reversed  On Spends of Rs 2 lakh per year

1) SBI Platinum Card

If you are going to spend a lot of money, we suggest you buy the SBI Platinum Card. This is a card for people with a higher income. The annual fees are a whopping Rs 2999. Of course, through a lot of shopping, dining out and frequent travelling, you can add points and therefore, recover the annual charges.

This is also because your reward points are higher than say for example other ordinary credit cards. There is also a welcome gift that SBI gives on this credit card.

Of course, when applying you should check with the executive the various clauses that are applicable. Go for this card, only if your spends are higher in a month; say around Rs 30,000 to Rs 50,000 on a credit card.

2) SBI Signature Card

The SBI Signature Card is not very different from the SBI Platinum Card, as the table above shows. The benefits on spends is slightly better. The annual fees are an exorbitant Rs 4999 per year. What this means is that if you do not spend heavily and are not able to accumulate points and redeem and benefit from redemption, you should stand to lose.

Also read: credit cards with no annual fees

We wish to emphasize that we are not able to incorporate all the benefits of the SBI cards mentioned above and hence readers may want to visit the SBI website or call the executive for clarifications.

3) Simply Save SBI Card

This is a nice card for those who do not wish to complicate their lives. You get a card with an annual fee of Rs 499, in addition to this the charges are reversed, if you spend Rs 2 lakhs per year.


As mentioned earlier, you have to choose a cad that best fits your need. There is no single card that can offer you the best benefit at the same time. Carefully, evaluate where your spends are more and choose your card accordingly. If you are likely to spend on grocery, than the best SBI credit Card would be Simply Save SBI card.


Read more about: sbi, credit cards
Story first published: Tuesday, April 26, 2016, 10:44 [IST]
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