Apollo Sbi Card Mastercard Credit Card vs Paytm Sbi Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers limited benefits, while the Paytm Sbi Card provides a variety of cashback options. This comparison highlights the differences in rewards, fees, and overall value for potential cardholders.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Apollo Sbi Card Mastercard Credit Card | Paytm Sbi Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.499 |
| Annual / renewal fee | — | Renewal Fee of Rs.499 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Get 1% Cashback on Paytm Online & Offline Stores |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Enjoy Complimentary Paytm First Membership |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Paytm Sbi Card stands out for rewards, offering multiple cashback opportunities across various Paytm platforms, including 1% cashback on Paytm Online and 3% on Paytm Mall and Movies. In contrast, the Apollo Sbi Card lacks any rewards program, making it less appealing for those seeking benefits from their spending.
Which is better for travel?
Both cards do not provide any international or domestic lounge access, making them equally less favorable for travelers looking for lounge benefits. Additionally, neither card offers travel-specific rewards or protections, which may limit their appeal for frequent travelers.
Which has lower effective cost?
The Paytm Sbi Card has a joining and renewal fee of Rs.499, while the Apollo Sbi Card does not specify any fees, which could suggest lower upfront costs. However, without detailed fee information for the Apollo card, a direct comparison is challenging.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no specified fees and are looking for a straightforward option without the complexities of rewards and cashback programs.
Who should pick Paytm Sbi Card?
Consider Paytm Sbi Card if you frequently use Paytm services and want to maximize cashback rewards on your purchases, as it offers a variety of cashback options across its platform.
Frequently Asked Questions
The Paytm Sbi Card has a joining fee and renewal fee of Rs.499, while the Apollo Sbi Card does not specify any fees.
Neither the Apollo Sbi Card nor the Paytm Sbi Card offers domestic or international lounge access.
The Paytm Sbi Card offers 1% cashback on Paytm Online and Offline Stores, 3% on Paytm Mall, Movies, and Travel, and 2% on the Paytm App.
Both cards do not provide any milestone benefits.