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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
Annual fee
₹1,499
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
SBI Card
Annual Fee
₹1,499
Reward Rate
5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome Benefit
1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Apollo SBI Card SELECTVisa · SBI Card | SBI Cashback Credit CardMastercard · SBI Card | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | SBI Card | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹1,499 | ₹999 | Lifetime FreeBest |
Joining fee | ₹1,499 | ₹999 | ₹0Best |
Reward rate | 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhereBest | 5% cashback on top online brands; 1% on others | 2X rewards on UPI |
Welcome benefit | 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | healthcare, lifestyle | cashback, online-shopping | upi, cashback, lifetime-free |
Apply |
SBI Card
1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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