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SBI Card credit cards cards compared

Every card we review from this bank, ranked on what they actually return.

SBI Card cards compared

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%

Effective return is a realistic blended reward rate, not the accelerated headline rate that applies only to selected categories. Ranked by that figure, using a formula we publish.