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Side-by-Side Comparison|Updated August 2026

SBI Cashback Card vs Tata Card SELECT

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

State Bank of India

SBI Cashback Card

9/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
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State Bank of India

Tata Card SELECT

7.2/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Cashback CardTata Card SELECT
Annual Fee₹999₹2,999
Joining Fee₹999₹2,999
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate1%1%
Reward CurrencyCashbackEmpower Points
NetworkVisaVisa
Editor Rating9/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Cashback Card

  • 5% on Online — 2000 pts/month

Tata Card SELECT

  • 3% on Grocery
  • 3% on Dining
  • 3% on International spends
  • 5% on Westside
  • 4% on Titan
  • 3.5% on Star Bazaar
  • 2% on Croma
  • 2% on Tanishq
  • 2% on Tata CLiQ
  • 2% on Landmark

Pros & Cons

SBI Cashback Card

Pros

  • Flat 5% cashback (5 points per Rs. 100, valued 1:1) on all online spends with no merchant restriction, one of the simplest high online cashback cards.
  • 1% cashback on offline spends and automatic credit of cashback to the card account, no redemption hassle.
  • Low Rs. 999 annual fee that is waived on Rs. 2,00,000 of annual spend.
  • Cashback is straightforward Rupee value (Re. 1 per point), avoiding the low point valuations of typical reward cards.

Cons

  • Online cashback is capped at 2,000 points (Rs. 2,000) per month, so 5% applies only to about Rs. 40,000 of monthly online spend.
  • No airport lounge access of any kind.
  • High 3.5% forex markup makes overseas spending expensive.

Tata Card SELECT

Pros

  • Up to 5% back as Empower Points at Westside, plus strong rates across Titan, Star Bazaar and other Tata brands
  • 3X points (3%) on grocery, departmental stores, dining and international spends
  • Empower Points are worth a flat Rs 1 each with instant in-store redemption at Tata outlets
  • 8 complimentary domestic lounge visits a year, with no spend condition

Cons

  • Rs 2,999 annual fee with NO spend-based waiver — you pay it every year
  • Points redeem only inside the Tata ecosystem; no cash or statement-credit option
  • Rs 99 fee on every redemption request, and points expire in 2 years

Our Verdict

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

Choose SBI Cashback Card if

Someone who does most spending online and wants a hassle-free flat 5% cashback (up to Rs. 2,000/month) credited automatically, easily clearing the Rs. 2 lakh fee-waiver mark.

Choose Tata Card SELECT if

Regular shoppers at Westside, Croma, Tanishq, Star Bazaar or Tata CLiQ who will actually redeem points in-store

Frequently Asked Questions

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