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Comparison · हिन्दी

Paytm SBI Card SELECT vs Paytm SBI Card

Both cards compared on real rupee returns for best Paytm SBI credit card India SELECT vs standard. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
SBI
CARD SELECT
ASHOK KUMAR
VS
SBI
ASHOK KUMAR
Our verdict
Paytm SBI Card SELECT wins for most people
Card A delivers ₹920 more annual value despite its higher fee, making it the winner for this spend profile. The premium tier rewards on Paytm purchases justify the cost for regular users.
Side-by-side comparison
Paytm SBI Card SELECT ✓ Paytm SBI Credit Card
Annual benefit ₹5,221 ₹4,301
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹2,00,000/year spend) ₹499 + taxes (waived on ₹1,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on Paytm travel, movies and Paytm Mall; 2% on other Paytm app spends; 1% on all other spends 3% cashback on Paytm Mall, movies and travel via Paytm; 2% on other Paytm app spends; 1% on all other spends
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year via Priority Pass (2 per quarter) + 2 international visits/year 4 domestic visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Premium Paytm users wanting the highest cashback on travel and movies via Paytm Paytm app users wanting cashback on travel, movies and online shopping via Paytm
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹40,000/month (salaried) ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Paytm SBI Card SELECT
Choose Card A if you spend consistently above ₹2,00,000 annually to waive the fee, and frequently book travel or watch movies via Paytm. The 5% cashback on these categories compounds significantly.
Paytm SBI Credit Card
Card B suits occasional Paytm users with lower annual spending who want to avoid high fees. Its 3% on core categories delivers solid value without commitment pressure.
Who should get which card
Get Paytm SBI Card SELECT if you…
· Premium Paytm users booking travel regularly
· Those crossing ₹2,00,000 annual spend easily
· Movie and entertainment buffs using Paytm
· ₹920 higher annual benefit justifies the fee
Get Paytm SBI if you…
· Casual Paytm app users with lighter spend
· Those preferring lower annual fees (₹499)
· Budget-conscious shoppers seeking basic rewards
· Spending below ₹1,00,000 annually to waive fee
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
Paytm SBI vs Amazon Pay ICICI →Paytm SBI Card SELECT vs Amazon Pay ICICI →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, Paytm SBI Card SELECT offers better annual returns for most spend profiles.
Paytm SBI Card SELECT has an annual fee of ₹1,499 + taxes (waived on ₹2,00,000/year spend). Paytm SBI Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,00,000/year spend).
Paytm SBI Card SELECT offers 5% cashback on Paytm travel, movies and Paytm Mall; 2% on other Paytm app spends; 1% on all other spends. Paytm SBI Credit Card offers 3% cashback on Paytm Mall, movies and travel via Paytm; 2% on other Paytm app spends; 1% on all other spends.
Paytm SBI Card SELECT lounge access: 4 domestic visits/year via Priority Pass (2 per quarter) + 2 international visits/year. Paytm SBI Credit Card lounge access: 4 domestic visits/year (1 per quarter).
Paytm SBI Card SELECT charges 3.5% forex markup. Paytm SBI Credit Card charges 3.5% forex markup.