SBI Card · Mid
Paytm SBI Card SELECT
Where it ranks across all 187 cards
#16 EMI
1.0%
direct
#18 Education
1.0%
direct
#24 Insurance
1.0%
direct
#29 Utility bills
1.0%
direct
#37 Jewellery & watches
1.0%
direct
#44 Gaming
1.0%
direct
#48 Mobile / broadband
1.0%
direct
#56 Train tickets
1.0%
direct
#60 Cabs & transit
1.0%
direct
#61 Other
1.0%
direct
#63 Health & pharmacy
1.0%
direct
#66 Electronics
1.0%
direct
#74 Hotels
1.0%
direct
#75 Fashion
1.0%
direct
#76 Flights
1.0%
direct
#76 Movies & events
1.0%
direct
#77 Online shopping
1.0%
direct
#78 Groceries
1.0%
direct
#78 Food delivery
1.0%
direct
#82 Dining out
1.0%
direct
#13 Government / tax
0.1%
direct
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Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Paytm SBI Card SELECT - sbicard.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, Wallet load
earns nothing
No valueback on fuel spends or wallet loads (Paytm or any other app).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel, Wallet load · MCCs: 5172, 5541, 5542, 5983, 6540, 6541
Source: Paytm SBI Card SELECT T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.