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SBI

Paytm SBI Credit Card

VisaMidCashback
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Annual Fee

₹499

Reward Type

Cashback

Forex

1%

Lounge

999 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹499(waived ≥ ₹1,00,000)

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

paytm5%(cap ₹500)

Travel & Global

Forex Markup1%
Domestic Lounge999 visits/yr
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

IDFC First Classic Credit Card (99%) →IDFC First Millennia Credit Card (99%) →HSBC Smart Value Credit Card (94%) →IDFC First Private Credit Card (94%) →IndusInd Iconia Credit Card (94%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹499 annual fee at the base reward rate of 1%, you need to spend ₹49,900 annually.

🎯 Pro Tips

  • ▸Earn 1% cashback on all spends.
  • ▸Max cashback of ₹500 per month.
  • ▸Use for online shopping to maximize rewards.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹11,501

Effective Rate

1.0%

Ranked #78 of 173 cards#78

₹499 annual fee deducted from gross rewards value.

🏷️ Best For

cashbackshoppinglifestyle