THEBUSINESSBYTES BUREAU

NEW DELHI, FEBRUARY 18, 2026

Spending preferences are deeply personal for modern Indian consumers. While some prioritise immersive travel and fine dining, others seek seamless shopping experiences and smarter ways to manage everyday expenses. As expectations shift towards convenience, flexibility and value-driven benefits, credit cards have evolved far beyond their traditional role as mere payment tools.

Today, credit cards open the door to a world of possibilities by offering global acceptance, extended credit periods, travel privileges, rewards and curated lifestyle experiences. Choosing the right card can therefore significantly enhance individual lifestyles, aligning financial behaviour with personal aspirations.

Here is a look at some of the leading credit card options from SBI Card, India’s largest pure-play credit card issuer, designed to elevate diverse lifestyle needs.

AURUM

AURUM stands among the most exclusive offerings from SBI Card. Cardholders enjoy indulgent stays and dining experiences at Club Marriott properties across India and the Asia Pacific region, access to more than 1,000 airport lounges worldwide and complimentary spa services at select Indian airports. Premium concierge services further enhance the experience. The annual fee of ₹9,999 is reversed on achieving spends of ₹12 lakh in the previous year. Additional privileges include complimentary BookMyShow movie tickets worth up to ₹1,000 every month.

SBI Card ELITE

Tailored for customers who value premium experiences and exclusive privileges, SBI Card ELITE enables cardholders to earn up to 50,000 bonus reward points annually on meeting spend thresholds, equivalent to ₹12,500. It offers 5X reward points on dining, departmental store and grocery purchases. Lifestyle benefits include a welcome e-gift voucher worth ₹5,000, complimentary movie tickets worth ₹6,000 annually and fraud liability cover of up to ₹1 lakh. The card carries an annual renewal fee of ₹4,999 plus applicable taxes.

SBI Card MILES ELITE

SBI Card MILES ELITE is positioned as a comprehensive travel companion that combines luxury with functionality. It offers 5,000 travel credits as a welcome benefit against an annual fee of ₹4,999, redeemable for flights, hotels and other travel bookings. Cardholders receive Priority Pass membership, eight complimentary domestic lounge visits and six international lounge visits, along with a low forex markup of 1.99 percent for cost-efficient global transactions. The MILES portfolio also includes SBI Card MILES PRIME (₹2,999) and SBI Card MILES (₹1,499).

SimplyCLICK SBI Card

Designed for digital-first consumers, SimplyCLICK SBI Card delivers enhanced value on online spending. With a joining fee of ₹499 plus taxes, it offers a ₹500 Amazon.in gift card as a welcome benefit. Cardholders earn 10X reward points on partner brands such as Apollo 24x7, BookMyShow, Swiggy and Myntra, and 5X reward points on other online purchases. Milestone benefits include travel vouchers worth ₹2,000 each on annual online spends of ₹1 lakh and ₹2 lakh.

SimplySAVE SBI Card

SimplySAVE SBI Card caters to everyday spenders looking for consistent rewards across essential lifestyle categories. New cardholders can earn 2,000 bonus reward points by spending ₹2,000 or more within the first 60 days of issuance. The card also offers a one percent fuel surcharge waiver on transactions between ₹500 and ₹3,000 at petrol pumps across India. Its annual and renewal fee of ₹499 plus taxes is waived from the second year onwards on achieving annual spends of ₹1 lakh in the previous year.

SBI Card PRIME

SBI Card PRIME provides a balanced blend of shopping, dining, travel and lifestyle benefits. Cardholders receive a welcome e-gift voucher worth ₹3,000, while the annual renewal fee of ₹2,999 plus taxes is waived on annual spends of ₹3 lakh. Spending ₹5 lakh annually unlocks an additional e-gift voucher worth ₹7,000 from Yatra.com or Pantaloons. Other privileges include four complimentary international Priority Pass lounge visits per year, eight domestic lounge visits and bonus birthday rewards of 20 reward points per ₹100 spent during the birthday period, capped at 2,000 points annually. PRIME Pro cardholders also receive a complimentary Priority Pass membership.

Cashback SBI Card

Cashback SBI Card is designed for customers who prefer straightforward savings on every transaction. It offers five percent cashback on online spends and one percent on offline purchases without merchant restrictions. The card carries a joining fee of ₹999 plus taxes and an annual renewal fee of ₹999 from the second year onwards, which is waived if annual spends exceed ₹2 lakh, making it an attractive option for value-focused users.

SBI Card Pulse

SBI Card Pulse complements a fitness-oriented lifestyle with wellness-focused benefits. Cardholders receive a Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999 as a welcome gift, along with a one-year FITPASS PRO membership that provides access to gyms and fitness studios nationwide and a Netmeds First membership for pharmacy savings. The annual and renewal fee of ₹1,499 is waived on annual spends of ₹2 lakh, while retail spends of ₹4 lakh earn an e-voucher worth ₹1,500.

Make Smarter Choices for Your Lifestyle

As consumer expectations continue to evolve, credit cards have become an integral part of modern lifestyles. Thoughtfully designed to address specific needs — whether air miles, airport lounge access, cashback, rewards on popular brands, dining privileges or fuel savings — these cards combine financial convenience with aspirational value.

The need of the hour is to select a card that aligns with one’s spending behaviour and lifestyle goals, transforming everyday transactions into smarter, more rewarding experiences.