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Online shopping is one of the major categories most people spend their money on. Be it the purchase of essentials like groceries and medicines, or apparel or accessories, a lot of shoppers prefer online platforms over store visits. Therefore, to reward such online shoppers, with discounts, points, and cashback, SBI Card offers certain credit cards specifically designed for benefits on online shopping. While some of these cards are co-branded with popular brands, others offer general benefits every time you shop online. For your help, we have framed a list of such cards with their features and benefits.  As per your preference and shopping patterns, you may choose the right card to save money every time you shop.

Credit Card Annual Fee Key Feature
SBI SimplyCLICK Credit Card Rs. 499 10X rewards on online spends with exclusive partners
Cashback SBI Credit Card Rs. 999 5% cashback on online spends
Paytm SBI Credit Card Select Rs. 1,499 5% cashback on Paytm Mall, movies and travel
Lifestyle Home Centre SBI Card Prime Rs. 2,999 15 reward points on every Rs. 100 spent at Lifestyle, Home Centre, Max and Spar

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SBI SimplyCLICK Credit Card
Cashback SBI Credit Card
Paytm SBI Credit Card Select
Lifestyle Home Centre SBI Card Prime
Bottom Line

SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card

Joining Fee: Rs. 499
Annual/ Renewal Fee: Rs. 499 (reversed on spending Rs. 1 lakh in a year)

SBI SimplyCLICK Credit Card is one of the popular credit cards for reward points. You can earn up to 10X reward points on your purchases at exclusive partners via this credit card. It is one of the best options if you frequently shop online and want to earn reward points on your purchases. Here are some of the key features of this credit card:

  • Amazon gift card worth Rs. 500 on joining
  • 10X rewards on online spends at exclusive partners, including Apollo24X7, BookMyShow, Cleartrip, Eazydiner, & Netmeds
  • 5X rewards on all other online spends
  • 1 reward point per Rs. 100 on all other spends
  • Cleartrip e-voucher worth Rs. 2,000 on annual online spends of Rs. 1 lakh
  • Cleartrip e-voucher worth Rs. 2,000 on annual online spends of Rs. 2 lakh
  • 1% fuel surcharge waiver on your transactions between Rs. 500 to Rs. 3,000
Though an entry-level credit card, SBI Simply Click Credit card offers the best benefits on everyday brands like Netmeds, Apollo 24X7, Eazydiner, etc. You can consider getting this card, if you are a high spender, and are looking for a highly rewarding card for beginners.

Cashback SBI Credit Card

Cashback SBI Card

Joining Fee: Rs. 999
Annual/ Renewal Fee: Rs. 999

Cashback SBI Credit Card is the latest addition to the list of best cashback credit cards in India. In comparison to other cards in this league, Cashback SBI Card offers cashback on online shopping without any merchant restrictions. Some key features of this credit card are as follows:

  • 5% cashback on all online spends without any merchant restrictions
  • 1% cashback on all offline spends
  • Annual fee reversal on spending Rs. 2 Lakh
  • 1% fuel surcharge waiver across all fuel stations in India
  • Hassle-free cashback credit within two days of the next statement generation
  • Earn up to Rs. 5,000 cashback in a statement cycle
Cashback SBI Credit Card offers the highest value back as per the market standard without any merchant, brand, or category preferences. Thereby the card lets you earn on all online spends. You can consider getting this card if you frequently shop online and put most of your expenses on your credit card. If, however, you are looking for all-rounder benefits, or benefits specific to a particular brand or category, you can check other options.

Paytm SBI Credit Card Select

Paytm SBI Credit Card SelectJoining Fee: Rs. 1,499
Annual/ Renewal Fee: Rs. 1,499

Paytm SBI Credit Card Select is a co-branded credit card that offers cashback on every purchase. However, being a co-branded credit card, it offers maximum benefits on your transactions via Paytm. Here are some of the key features of this credit card:

  • Welcome benefits worth Rs. 75,000 along with a complimentary Paytm First membership
  • Rs. 750 cashback in Paytm wallet as a joining benefit
  • 5% cashback on Paytm Mall, movies and travel
  • 2% cashback on all other purchases on the Paytm app
  • 1% cashback on any other spends across millions of offline and online stores
  • Rs. 2,000 voucher on achieving retail spends of Rs. 4 lakh in a year
  • Rs. 4,000 voucher on achieving retail spends of Rs. 6 lakh in a year
  • Complimentary Priority Pass worth US $99 for first two years of cardholder membership
  • Complimentary 4 domestic lounge visits (restricted to 1 per quarter)
  • 1% fuel surcharge waiver for each transaction between Rs. 500 to Rs. 4,000
Paytm SBI Select Credit Card is a good choice for you if you are a Paytm loyalist. The card offers 5% cashback on Paytm Mall spends. Thus, if you stick to Paytm Mall for most of your expenses like grocery, apparel, travel, or movie related, you can utilize the benefits to earn cashback on all your spends. This card can also be a good choice for frequent travelers, as you can get cashback on travel bookings done via Paytm, complimentary Priority Pass Memberships, and lounge access. Paytm SBI Select is a premium variant of the Paytm SBI co-branded cards, you can also check the regular variant- ‘Paytm SBI Card’, if paying a fee of Rs. 1,499 seems high.

Lifestyle Home Centre SBI Card Prime

Lifestyle Home Centre SBI Card Prime

Joining Fee: Rs. 2,999
Annual/ Renewal Fee: Rs. 2,999

SBI Card in partnership with Lifestyle Home Centre has launched Lifestyle Home Centre SBI Card Prime for frequent shoppers. You can earn 15X reward points while shopping at Lifestyle Home Centre and its partner stores. Additionally, you can also save on dining and movies. Here are some of the key features of this credit card:

  • 12,000 bonus reward points worth Rs. 3,000 on the payment of annual fees
  • 15 reward points on every Rs. 100 spent at online & retail landmark stores, including Lifestyle, Home Centre, Max and Spar
  • 10 reward points on every Rs. 100 spent at dining & movies
  • 2 reward points per Rs. 100 spent on other retail purchases (excluding fuel transactions)
  • Cumulative milestone benefits of up to 58,000 reward points worth Rs. 14,500
  • 1% fuel surcharge waiver across all petrol pumps in India
  • 8 complimentary visits per year to domestic airport lounges (max of 2 per quarter)
  • Complimentary Priority Pass membership worth USD 99 and 4 complimentary visits per year (limited to 2 visits per quarter)
Lifestyle Home Centre SBI Card Prime is undoubtedly a good choice for you if you are a frequent shopper at Lifestyle, Home Centre, Spar, and Max stores. Apart from high rewards across the partnered brands, dining, and movies, the card also offers priority pass membership, complimentary lounge access, and welcome and milestone benefits, thereby clearly justifying the fee charged.

Bottom Line

We live in a world where online shopping is expanding day by day more than physical shopping. Therefore, opting for a credit card that offers benefits on online shopping is a good option. However, before applying for a credit card, you must analyze your spending pattern and repayment capacity to save yourself from credit card debt. So, choose wisely and spend accurately.

Find the Best SBI Credit Card for You
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