SBI Cashback credit card vs Stable Money Suryoday Bank Credit Card

• Get 5% Cashback on online spends without any merchant restriction
• Get 1% Cashback on offline spends
• The Card Cashback will be auto-credited to the SBI Card account within two working days of the next statement generation
• The reversal of Renewal Fee will occur on annual spends of Rs. 2 Lakh
• Avail 1% Fuel Surcharge Waiver across all petrol pumps in India. This is applicable on transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges
• CASHBACK SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Use the card to make payments at any outlet that accepts VISA
• Withdraw cash from over 1 million VISA across the globe
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Save money while paying credit card dues
• Transfer the outstanding balance of other banks’ credit cards to CASHBACK SBI Card, to avail a lower rate of interest and pay back in EMIs

Cashback Benefits

• Earning: 0.5% cashback on all card spends, including UPI transactions
• Capping: Cashback capped at Rs. 3,000 for every statement cycle

Airport Lounge Access

• 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter

RuPay Benefits

• RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
• RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program

Insurance Coverage

• Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
• Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders

Fuel Benefit

• Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
• Enjoy exclusive discounts on the RuPay network

RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)

• RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
• RuPay Select Benefits are eligible to be redeemed only once in a year

Pros

• 5% cashback on online spends
• 1% Fuel Surcharge Waiver across all petrol pumps in India
• Great for high spending on online merchants

Cons

• No golf benefits
• No complimentary airport lounge access
• Cashback card is not eligible for instant discount during online sales

Pros

• Hassle-free cashback on all spends, including UPI transactions
• Lifetime free card with up to 8% interest on FD
• Up to 8 free domestic airport lounge visits every year
• Additional lifestyle benefits for RuPay Select cardholders

Cons

• Low value-back rate through cashback earnings
• High FD amount requirement for RuPay Select card variant benefits
• FD must remain until card closure