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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star Card SELECT vs CASHBACK SBI Card

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

SBI Card

SBI Card - Tata Star Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
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SBI Card

CASHBACK SBI Card

8.5/10
Annual Fee₹999
Base Rewards1%
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Star Card SELECTCASHBACK SBI Card
Annual Fee₹2,999₹999
Joining Fee₹2,999₹999
Fee Waiver Spend₹3,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointCashback
NetworkMastercardVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

CASHBACK SBI Card

  • 0% on Online Spends

Pros & Cons

SBI Card - Tata Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • No complimentary international lounge access despite the premium fee.

CASHBACK SBI Card

Pros

  • Flat 5% cashback on almost all online spends without merchant restrictions.
  • 1% flat cashback on all offline spends and utility payments.
  • Cashback is auto-credited to the statement within 2 days of statement generation.
  • Simple annual fee waiver at ₹2 lakh annual spend.

Cons

  • Monthly cashback capped at ₹4,000 (₹2,000 online / ₹2,000 offline) from April 2026.
  • No complimentary domestic or international airport lounge access.
  • Extensive list of exclusions including rent, fuel, wallet loads, and government transactions.

Our Verdict

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

Choose SBI Card - Tata Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

Choose CASHBACK SBI Card if

Highest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.

Frequently Asked Questions

Which is better: SBI Card - Tata Star Card SELECT or CASHBACK SBI Card?
CASHBACK SBI Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Star Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Star Card SELECT and CASHBACK SBI Card?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while CASHBACK SBI Card has an annual fee of ₹999. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Star Card SELECT or CASHBACK SBI Card?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. CASHBACK SBI Card offers 1% base rewards with bonuses on Online Spends. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Star Card SELECT and CASHBACK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Star Card SELECT and CASHBACK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Star Card SELECT or CASHBACK SBI Card?
For beginners, CASHBACK SBI Card may be more approachable with a lower annual fee of ₹999. However, evaluate based on your expected spending pattern rather than fee alone.

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