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SBI Card MILES vs SBI Cashback Credit Card

Honest side-by-side comparison of SBI Card MILES, SBI Cashback Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

SBI Card MILES

SBI Card

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
SBI Card MILES credit card

SBI Card MILES

SBI Card

SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹1,499₹999
Fee waiver thresholdWaived at ₹3,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹35,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Travel₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)—
Top reward rateAccelerated travel points5%
Primary reward capNo monthly cap published₹2,000 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Rent · Wallet · EMIFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹2,000—

Stack mode (hold both)

Cap-aware split: ~₹6,230/yr combined NAV (₹710 vs best solo). Both annual fees apply.

SBI Card MILES details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads SBI Card MILES by about ₹4,500/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

SBI Card MILES vs SBI Cashback Credit Card comparison table
FeatureSBI Card MILES

SBI Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹1,499₹999
Fee waiver thresholdWaived at ₹3,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹35,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Travel₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)—
Top reward rateAccelerated travel points5%
Primary reward capNo monthly cap published₹2,000 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Rent · Wallet · EMIFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹2,000—

Frequently asked questions

Which card has the lower annual fee?
SBI Cashback Credit Card has the lowest annual fee at ₹999.
Which card earns more on moderate spend?
SBI Cashback Credit Card leads with an estimated ₹5,520/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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