Head-to-head · 🇮🇳 India
SBI Cashback vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Cashback
VISA
Wins 5 of 10
IN
SBI Card
SBI Prime
Wins 1 of 10
Verdict
SBI Cashback wins 5-1. Pure online cashback — 5% on any online merchant, no partner restrictions. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | SBI Cashback | SBI Prime |
|---|---|---|
| Annual fee | ₹999 | · ₹2,999 |
| Joining fee | ₹999 | · ₹2,999 |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Cashback offsets joining fee on first ₹999+ spend | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | ₹200,000 / yr | · ₹300,000 / yr |
| Min income | ₹360,000 | · ₹480,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | 4.6/5 | · 4.2/5 |
Benefits compared
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›SBI Cashback vs SBI Prime: which is better?
SBI Cashback wins on more dimensions (5 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI Cashback for online shopping, SBI Prime for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Cashback: Cashback offsets joining fee on first ₹999+ spend. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).