STATE BANK
Five per cent back on Paytm travel, movies and Mall — with four lounge visits a year.
One-time
Waived on ₹2,00,000/yr
Uncapped rewards
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
No published ceiling on this tier
Entertainment
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Paytm Add Money transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Travel — 5% back as Reward Points on travel booked through the Paytm app., with no stated cap.
Biggest limitation
Reward Points are auto-credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or airline miles.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5 pts
uncappedTravel
5% back as Reward Points on travel booked through the Paytm app.
5 pts
uncappedEntertainment
5% back as Reward Points on movie bookings through the Paytm app.
5 pts
uncappedOnline shopping
5% back as Reward Points on Paytm Mall purchases.
1 pts
uncappedEverything else
Base rate: 1% on all other online and offline spends. Other Paytm app spends earn 2%.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,499 | — |
| Annual / renewal fee | ₹1,499 | Renewal fee of Rs. 1,499 + GST is waived on annual retail spends of Rs. 2,00,000 or more in the preceding year. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher (domestic and international ATMs) |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. An extra Rs. 100 per cycle applies if the Minimum Amount Due is missed for two consecutive cycles. Finance charge up to 3.75% per month (45% p.a.). | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹750
of one-time welcome value, on top of what you earn
Every year after
₹2,00,000 a year
is what it takes to keep the ₹1,499 fee off — about ₹16,667 a month
1% waiver. 1% fuel surcharge waiver, excluding GST, on fuel transactions between Rs. 500 and Rs. 4,000, capped at Rs. 250 per statement cycle.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
Welcome — once
₹750
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
3
spend thresholds you can reach again each year
Welcome cashback of Rs. 750, credited within 15 working days of the first settled retail transaction.
Spend ₹1,00,000 a year — about ₹8,333 a month
Paytm First Membership renewal voucher on annual retail spends of Rs. 1,00,000.
Spend ₹4,00,000 a year — about ₹33,333 a month
Gift voucher worth Rs. 2,000 on annual retail spends of Rs. 4,00,000.
Spend ₹6,00,000 a year — about ₹50,000 a month
Gift voucher worth Rs. 4,000 on annual retail spends of Rs. 6,00,000.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499
STATE BANKEtihad Guest SBI Premier Card BK₹4,999
STATE BANKFabindia SBI Card BK₹499
STATE BANKFabindia SBI Card SELECT BK₹1,499
STATE BANKCentral SBI Select Card BK₹750| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Paytm SBI Card Select BK · this card | ₹1,499 | 5% travel | Included |
| Yatra SBI Card BK | ₹499 | See card | No |
| Etihad Guest SBI Card BK | ₹1,499 | See card | No |
| Etihad Guest SBI Premier Card BK | ₹4,999 | See card | No |
| Fabindia SBI Card BK | ₹499 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,499 plus GST, waived on ₹2,00,000 of annual spend.
The strongest published rate is 5% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 4 complimentary domestic visits a year, capped at 1 visit per calendar quarter. No minimum spend condition is disclosed.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
Paytm Add Money transactions Fuel transactions Cash advances and ATM withdrawals Wallet loads Insurance premiums Rent payments EMI transactions No rewards on paytm add money transactions, fuel transactions, cash advances and atm withdrawals, wallet loads, insurance premiums, rent payments, emi transactions. Fuel, rent, wallet loads, insurance, utility/govt. payments, and EMI transactions are generally excluded from milestone and welcome-benefit qualifying spends
STATE BANK publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Auto-credited as Paytm Gift Voucher balance to the Paytm wallet
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Paytm SBI Card Select BK — 5% on travel. ₹1,499 a year.
