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Side-by-Side Comparison|Updated March 2026

Tata Star SBI Card 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

Tata Star SBI Card

7.8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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SBI Card

CASHBACK SBI Card

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

FeatureTata Star SBI CardCASHBACK SBI Card
Annual Fee₹499₹999
Joining Fee₹499₹999
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointCashback
NetworkVisaVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Star SBI Card

  • 0% on Grocery
  • 0% on Dining
  • 0% on International

CASHBACK SBI Card

  • 0% on Online Spends

Pros & Cons

Tata Star SBI Card

Pros

  • High 3.5% value back at all Star Bazaar and Star Market outlets.
  • Up to 5% value back at select Tata partner brands like Westside and Croma.
  • Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

Cons

  • No complimentary airport lounge access in this variant.
  • Rewards are most valuable only when redeemed within the Tata ecosystem.
  • Base reward rate of 1% is modest for non-partner retail spends.

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, Tata Star SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Tata Star SBI Card if

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

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: Tata Star SBI Card or CASHBACK SBI Card?
CASHBACK SBI Card edges ahead overall with a stronger combination of rewards and value. However, Tata Star SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Star SBI Card and CASHBACK SBI Card?
Tata Star SBI Card has an annual fee of ₹499, while CASHBACK SBI Card has an annual fee of ₹999. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Tata Star SBI Card or CASHBACK SBI Card?
Tata Star SBI Card offers a base reward rate of 1% with accelerated rewards on Grocery 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 Tata Star SBI Card and CASHBACK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Star SBI Card and CASHBACK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Star SBI Card or CASHBACK SBI Card?
For beginners, Tata Star 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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