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SBI Card
Paytm SBI Card
Visa
Paytm SBI Card
The entry-level, base variant of SBI's Paytm co-brand line (below Paytm SBI Card SELECT) — modest cashback on Paytm app travel and mall spends plus a free Paytm First membership, at a low and easily waived ₹499 fee.
Rates and fees last verified 15 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- ✈️ Travel
3% reward rate
- 🛡️ Insurance
Cyber fraud insurance cover of ₹1 lakh
- 🛍️ Shopping
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–70
Benefits
- Complimentary Paytm First membership on activation, renewable each year on ₹1 lakh annual spend
- Cyber fraud insurance cover of ₹1 lakh
- 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle
Pros
- + Free Paytm First membership on activation
- + Low, easily waived ₹499 fee
- + Cyber fraud insurance included
Cons
- − Cashback concentrated in the Paytm app
- − No lounge access, unlike the SELECT variant
- − Weak 1% base rate on non-Paytm spend