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Comparison · हिन्दी

SBI Prime vs SBI Cashback

Both cards compared on real rupee returns for SBI card comparison for lifestyle and cashback spenders. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
SBI
CARD PRIME
ASHOK KUMAR
VS
SBI
CASHBACK
ASHOK KUMAR
Our verdict
SBI Cashback Credit Card wins for most people
Card B wins decisively with ₹6,801 annual benefit versus Card A's -₹299 loss. For your ₹13,000 monthly spend, Card B's cashback caps are more valuable than Card A's reward points and higher fee.
Side-by-side comparison
SBI Card PRIME SBI Cashback Credit Card ✓
Annual benefit -₹299 ₹6,801
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹3,00,000/year spend) ₹999 + taxes (waived on ₹2L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%) 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic + 4 international visits/year (2 per quarter each) No
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 Lifestyle spenders who want dining, grocery and movie rewards with lounge access Flat 5% on all online spends up to ₹40,000/month
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried) ₹4L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
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When each card wins
SBI Card PRIME
Card A suits you only if you can consistently exceed ₹3,00,000 annual spend to waive its ₹2,999 fee and unlock higher reward point value. Your current ₹1,56,000 annual spend falls far short.
SBI Cashback Credit Card
Card B is ideal for your profile since your online shopping and grocery spend align perfectly with its 5% cashback cap structure, delivering ₹6,801 annual value after the modest ₹999 fee.
Who should get which card
Get SBI Card PRIME if you…
· Plan to cross ₹3,00,000 annual spend threshold
· Frequent diner wanting dining-specific rewards
· Value lounge access and lifestyle benefits
Get SBI Cashback if you…
· Current spend of ₹13,000/month fits cashback caps perfectly
· Prefer guaranteed cashback over points accumulation
· Want net positive value without high spend targets
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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HDFC Diners Club Privilege vs SBI Card PRIME →Axis ACE vs SBI Cashback →HDFC Millennia vs SBI Cashback →SBI Card PULSE vs SBI Card PRIME →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, SBI Cashback Credit Card offers better annual returns for most spend profiles.
SBI Card PRIME has an annual fee of ₹2,999 + taxes (waived on ₹3,00,000/year spend). SBI Cashback Credit Card has an annual fee of ₹999 + taxes (waived on ₹2L spend).
SBI Card PRIME offers 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%). SBI Cashback Credit Card offers 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month.
SBI Card PRIME lounge access: 8 domestic + 4 international visits/year (2 per quarter each). SBI Cashback Credit Card lounge access: No.
SBI Card PRIME charges 3.5% forex markup. SBI Cashback Credit Card charges 3.5% forex markup.