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SBI Card · SBI Card
Cashback vs Prime
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
70composite score
95% rule confidence
95% rule confidence
Winner
48composite score
95% rule confidence
95% rule confidence
Annual fee
₹999
₹2,999
Network
Visa
Visa
Base reward rate
5%
2%
Min. income (monthly)
₹30,000
₹75,000
Min. credit score
700+
720+
Best for
Online shopping
Grocery
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Cashback edges out for most wallets.
- Better base rate, 5% vs 2% on everything outside a bonus bucket.
- Lighter annual fee, ₹999 vs ₹2,999.
- Easier to qualify, ₹30,000/mo income gets you in versus ₹75,000/mo.
Composite score
Cashback70
Prime48
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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