SBI Card
The best card for your needs
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.25% travel · 0.25% dining · 0.25% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs FIRST Business Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for SBI Card holders
Frequently asked
Is the SBI Card worth the ₹999 fee?
It depends on your spend. The SBI Card earns 0.25% base reward and waives the annual fee at ₹20,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for SBI Card?
SBI typically requires a minimum income of ₹30,000/year for the SBI Card, with a CIBIL score of 750+.
What is the forex markup on SBI Card?
SBI Card charges 1.99% forex markup on international transactions.
Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.