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Side-by-Side Comparison|Updated March 2026

Paytm SBI Card vs SBI Card - Tata Card SELECT

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Paytm SBI Card

7.5/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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SBI Card

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePaytm SBI CardSBI Card - Tata Card SELECT
Annual Fee₹499₹2,999
Joining Fee₹499₹2,999
Fee Waiver SpendN/AN/A
Base Reward Rate1%1%
Reward CurrencyReward PointsEmpower Points
NetworkRuPayVisa
Editor Rating7.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm SBI Card

  • 0% on Paytm Mall
  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm App Spends

SBI Card - Tata Card SELECT

No accelerated rewards listed

Pros & Cons

Paytm SBI Card

Pros

  • 3% reward points on Paytm Mall, movies, and travel bookings via Paytm app.
  • 2% reward points on all other purchases made through the Paytm app.
  • 1% reward points on all other retail spends, including offline and online stores.
  • Complimentary 1-year Paytm First Membership worth ₹750 as a welcome benefit.

Cons

  • No annual fee waiver based on spending; fee is fixed at ₹499.
  • No complimentary domestic or international airport lounge access.
  • Rewards are credited as Paytm Gift Vouchers, not direct statement credit.

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

Our Verdict

SBI Card - Tata Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Paytm SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Paytm SBI Card if

High reward rates of 2-3% on the Paytm ecosystem make it very rewarding for frequent app users.

Choose SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

Frequently Asked Questions

Which is better: Paytm SBI Card or SBI Card - Tata Card SELECT?
SBI Card - Tata Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Paytm SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Paytm SBI Card and SBI Card - Tata Card SELECT?
Paytm SBI Card has an annual fee of ₹499, while SBI Card - Tata Card SELECT has an annual fee of ₹2,999.
Which card has better rewards: Paytm SBI Card or SBI Card - Tata Card SELECT?
Paytm SBI Card offers a base reward rate of 1% with accelerated rewards on Paytm Mall and Paytm Travel. SBI Card - Tata Card SELECT offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card and SBI Card - Tata Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm SBI Card and SBI Card - Tata Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm SBI Card or SBI Card - Tata Card SELECT?
For beginners, Paytm SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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