Finance
Credit Card
If online discount during sale is the only requirment
Then go with any Low charges card like Simply Click or BPCL rupay etc ( confirm first about instant discount)
If u want the best card overall from SBI ?
Its Sbi CB card
No instant discount during sale
But 5% cb on online shopping
IRCTC sbi card 500 joining 300 per annum charges. For long term thing this is good
Sbi simply click/save card. 500 joining but you get 500 voucher of Amazon. Per annum 500 fee. If you apply through certain sites you ll get 1500/2000 joining fee. Basically you ll get this card free for 3-4 years. That's nice. No?
Rest are pretty useless. Sbi cashback card has 5000 rupees cashback limit per month n has annual charges n joining fee as 999.
SBI octane. Iska hi devaluation ni hua h bas. As per reward points are concerned, SBI reverse reward point given during any Sale for all card variants.
EDIT
Seems all the SB cards seem to give 10% instant and regular rewards. Later the regular rewards are forfeited.
Just now I rechecked my SBI CB statement. ONLY the regular 5% CB was forfeited.
Then in any case SBI CB is the best card for the OP?
One more question
Lets say in the Amazon sales, there is a 10% upto 1000INR discount.
If I buy a 40K INR mobile using SBI CB, will I get 1K INR sale discount or 2K INR regular cashback ?
For SBI Cashback card, no instant discounts. Only the 5% CB up to ₹5000 max per month. For SBI SimplyCLICK and other applicable cards, the flat discounts are applicable but no reward points (even if they are given, they are reversed from what I understand). Similarly if SBI CB card gives big discounts, they too will be reversed at some point. SBI being SBI sometimes screws up while reversing points or cashback too and sometimes takes back too much, sometimes less than what was given. 
Suppose the credit limit is 40k and I used 40k.
If I want to purchase anything can we pay bill and use it ? Or Max 40k is allowed per billing cycle ?
@Birla.Veena
SBI Card has become shit.
They're constantly irritating with new rules and policies of their own. I'm thinking of giving up existing cards (Ola Money and Cashback) and settle for either no SBI Card or the most basic one.
You can find my recent plight depicted here : https://www.desidime.com/discussions/sbi-card-c...
In my case points reversal was done. But it was not billed as debit equivalent money in my card rather they made my reward points negative which got positive after I keep spending and earning. WhtS the problem in this method ?
If any body wants SBI card pm me I will give extra benifit
SBI Max Credit Card has a joining fee of 500+GST and an annual fee of 500+GST. However, you can earn 2000 reward points every time you pay these fees. Unlike other SBI credit cards, this card does not require you to spend a certain amount to waive the annual fee. The only fee you will be charged is the GST payment of 89/- per year.
With the 2000 reward points, you can purchase clothes worth Rs. 500 at Max Fashion, Lifestyle, Spar Grocery, or Home Center Shops. You can even buy 2-3 T-shirts from Max Fashion, which is a good clothing brand.
https://www.sbicard.com/en/personal/credit-cards/shopping/max-sbi-card.page
If i purchase a gift card on yono gyftr via SBI Cashback Card, do i get even 1% rewards?
If online discount during sale is the only requirment
Then go with any Low charges card like Simply Click or BPCL rupay etc ( confirm first about instant discount)
If u want the best card overall from SBI ?
Its Sbi CB card
No instant discount during sale
But 5% cb on online shopping
SBI octane. Iska hi devaluation ni hua h bas. As per reward points are concerned, SBI reverse reward point given during any Sale for all card variants.
Seems all the SB cards seem to give 10% instant and regular rewards. Later the regular rewards are forfeited.
Just now I rechecked my SBI CB statement. ONLY the regular 5% CB was forfeited.