SBI Cashback Credit Card vs SBI Card PRIME
How SBI Cashback Credit Card and SBI Card PRIME compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) and SBI Card PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it.
SBI Cashback Credit Card — better for online shoppers who want flat, auto-credited cashback across most sites.
SBI Card PRIME — better for mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers.
Side by side
| SBI Cashback Credit CardSBI Card | SBI Card PRIMESBI Card | |
|---|---|---|
| Annual fee | ₹999 + GST (waived on ₹2L annual spend) | ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) |
| Reward rate | 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle) | 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month) |
| Lifetime-free | No | No |
| Network | Visa / RuPay | Visa / Mastercard / RuPay / American Express |
| Eligibility | Approx 21–70 yrs; salaried/self-employed with stable income | Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx) |
| Best for | Online shoppers who want flat, auto-credited cashback across most sites. | Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. |
SBI Cashback Credit Card
- 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
- 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
- Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more
SBI Card PRIME
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
- 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
- Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend
SBI Cashback Credit Card vs SBI Card PRIME — FAQs
Neither is universally better. SBI Cashback Credit Card suits online shoppers who want flat, auto-credited cashback across most sites. SBI Card PRIME suits mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) and SBI Card PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it. On rewards, SBI Cashback Credit Card gives 5% cashback on almost all online spends (no merchant tie-in), auto-credited. whereas SBI Card PRIME gives 10 reward points per ₹100 on dining, groceries, movies and departmental stores (1 rp = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.
SBI Cashback Credit Card: ₹999 + GST (waived on ₹2L annual spend). SBI Card PRIME: ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.