| Joining & Annual Fee |
Rs 1000 + GST | Rs 500 + GST | Rs 449 + GST | Rs 1499 + GST | Rs 499 + GST | Rs 499 + GST | Rs 199 + GST | Rs 499 + GST | Rs 500 + GST | Rs 750 + GST | ₹1,500 + GST |
| Annual Fee Waiver |
Rs 1 Lakh spend | Rs 3.5 Lakh spend | Rs 50,000 spend | Rs 2 Lakh spend | Rs 50,000 spend | Rs 50,000 spend | Rs 50,000 spend | Rs 1.5 Lakh spend | Rs 1.5 Lakh spend | Rs 90,000 spend | ₹2.75 Lakh annual spend |
| Domestic Lounge Access |
8 Access/year (Max 2/quarter) | None | None | 4 Access/year | None | 4 Access/year (Max 1/quarter) | None | 4 Access/year (Max 1/quarter) | 4 Access/year (Max 1/quarter) | None | None |
| Spends for Lounge |
₹50K in prev 3 months | - | - | - | - | ₹20K in prev quarter | - | ₹20K in prev month | ₹75K in prev quarter | - | - |
| Welcome Benefit |
500 EDGE Miles | 100% cashback up to Rs 250 | 1000 RP on Rs 500 spend | 6000 Reward Points | 2000 Reward Points | 500 Reward Points on Rs 5000 spend | Rs 250 cashback on 1st HPCL fuel transaction | Rs 500 cashback on 1st fuel transaction | 2000 Reward Points | - | 3,000 Fuel Points |
| Fuel Rewards |
6 EDGE Miles/Rs 150 (4%) | 20 EDGE RP/Rs 100 (4%) | 24 RP/Rs 150 (4%) | 25 RP/₹100 (6.25% reward value) | 13 RP/₹100 (3.25%) | 24 RP/Rs 150 (4%) | 21 RP/Rs 150 (3.5%) + HP Pay benefits | 30 RP/Rs 150 (5%) + HP Pay benefits | 16 RP/Rs 100 (4%) | 5% cashback on fuel (issuer conditions apply) | 15 Fuel Points/₹100 (7.5%) |
| Other Rewards |
2X EDGE Miles on Grocery | 5 RP/Rs 100 on Online Purchases | 12 RP/Rs 150 (2%) on Dining | 10 RP/₹100 (2.5%) on Dining | 5 RP/₹100 (1.25%) on Grocery | 10 RP/Rs 150 (1.7%) on Dept Stores | 15 RP/Rs 150 (2.5%) on groceries, utilities and FASTag | 30 RP/Rs 150 (5%) on groceries, utilities and FASTag | 20 RP/Rs 100 (5%) on Groceries | 5% cashback on Utility Bills | 2 Fuel Points/₹100 on other spends |
| Fuel Surcharge Waiver |
1% | 1% | 1% | 1% | 1% | 1% | Not available | Not available | 1% | 1% | 1% |
| Reward Point Value / Cashback |
1 EDGE Mile = ₹ 1 | 1 RP = ₹0.20 | 1 RP = ₹0.25 | 1 RP = ₹0.25 | 1 RP = ₹0.25 | 1 RP = ₹0.25 | 1 RP = ₹0.25 | 1 RP = ₹0.25 | 1 RP = ₹0.25 | 4-5% Cashback (Category-based) | 1 Fuel Point = ₹0.50 |
| Notes |
4% fuel rewards limited to ₹15K monthly spend; unlimited surcharge waiver on ₹400-₹4000 transactions | 1000 EDGE points monthly cap on 4% fuel rewards (₹5K spend); ₹50/month surcharge waiver limit | 300 points monthly cap on fuel rewards (~₹1250 spend); ₹100/cycle surcharge waiver limit | 2500 points monthly cap on 6.25% fuel rewards (₹10K spend); ₹100/cycle surcharge waiver limit. SBI Card statement-credit redemption is capped at 60,000 RP/month from Apr 1, 2026. | 1300 points monthly cap on 3.25% fuel rewards (₹10K spend); ₹100/cycle surcharge waiver limit. SBI Card statement-credit redemption is capped at 60,000 RP/month from Apr 1, 2026. | 1000 points monthly cap on 4% fuel rewards (~₹6250 spend); ₹100/month surcharge waiver limit | Up to 5% fuel savings combines 3.5% card rewards with HP Pay benefits. Grocery, utility and IDFC FIRST FASTag rewards are capped by statement cycle. This card does not include a fuel surcharge waiver. | Up to 6.5% fuel savings combines 5% card rewards with HP Pay benefits. Grocery, utility and IDFC FIRST FASTag rewards are capped by statement cycle. This card does not include a fuel surcharge waiver. | ₹200/month cap on 4% fuel cashback; separate ₹100/month surcharge waiver limit | Monthly cashback limits apply by category (fuel/utilities/phone). Fuel surcharge waiver is limited by transaction conditions and issuer-defined caps. | Fuel and non-fuel reward caps apply monthly; annual fee waiver available on ₹2.75L yearly spend. |