SBI Card appears on this site as a card issuer. We hold its card catalogue but no lending or deposit rates, so this microsite covers cards only.
SBI Card cards we review
| Card | Annual fee | Effective return | Forex markup |
|---|---|---|---|
| SBI Cashback Credit Card | ₹999 | 4.2% | 3.5% |
| BPCL SBI Card Octane | ₹1,499 | 2.5% | 3.5% |
| SBI Card Unnati | Nil | 0.5% | 3.5% |
Updated 15 Aug 2026 · Issuer fee schedules and product pages
We rank cards by a published formula, never by preference or by what pays us — the methodology sets out how the score is built. The reward rate shown is a realistic blended return, not the boosted headline rate that only applies to a few categories.
Check the annual fee first, against the spending needed to waive it. A card is only free if you were going to spend that much anyway. Otherwise the waiver target costs you more to reach than the fee itself. On this list the ₹999 SBI Cashback Credit Card returns more than the free Unnati does, which is the case for reading the fee and the return together rather than separately — the best cashback credit cards board makes the same comparison across issuers.
Worth knowing
SBI Cards and Payment Services Limited is a separate listed company from State Bank of India, which offers the loans and deposits. A card issued by one and an FD held with the other are two different relationships.
SBI Card credit cards in detail
Every SBI Card product we review, ranked on what it actually returns, is on the SBI Card cards compared page.