PNB Zaggle vs SBI Cashback Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

PNB Zaggle Credit Card versus SBI Cashback Credit Card compared
Feature	PNB Zaggle Credit CardPunjab National Bank	SBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards	Rewards not published	1% base, up to 5% on online shopping
UPI payments (scan and pay)same	Earns nothing	Earns nothing
Online shopping	Not stated	5%
Dining and food delivery	Not stated	1%
Groceries	Not stated	1%
Travel: flights, hotels, trains	Not stated	1%
Fuel	Not stated	Earns nothing
Bills and recharges	Not stated	Earns nothing
Rent	Not stated	Earns nothing
Insurance premiums	Not stated	Earns nothing
School and college fees	Not stated	Earns nothing
Wallet top-ups	Not stated	Earns nothing
Taxes and government payments	Not stated	Earns nothing
Spend abroad or in a foreign currency	Not stated	1%
Everything else	Not stated	1%
Card identity
Card typesame	Shopping	Shopping
Network	-	Visa
Card tier	-	Mid
Fees
Joining fee	Rs 499	₹999 + GST
Annual fee	Rs 499	₹999 + GST
Fee waived at	₹1,50,000	₹2,00,000
Eligibility
Employment type	-	BOTH
Min credit score	-	650
Rewards
Reward type	-	Cashback
Point value	-	₹1
Fuel surcharge
Fuel surcharge waiver	No	Yes
Fuel waiver cap	-	₹100
Forex and international
Forex markupsame	3.5%	3.5%
UPI rewards
Works on UPI	-	No
Interest and charges
Interest rate (monthly)	-	3.75%
Interest rate (annual)	-	45%
Page content
Eligibility	-	Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants
Documents needed	-	ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
Apply	Apply Now	Apply Now

Best For

PNB Zaggle Credit Card

People wanting UPI and wide acceptance together
First-time card users
Existing PNB customers

SBI Cashback Credit Card

Heavy online shoppers
People who want plain cashback, not points
Shoppers who use many different websites

Watch-Outs

PNB Zaggle Credit Card

Reward details are not clearly stated
No listed lounge benefits
3.5% forex fee

SBI Cashback Credit Card

No cashback on utilities, insurance, fuel, rent, wallets or EMIs
5% stops after Rs 40,000 online spend a month
No airport lounge access
3.5% forex fee

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, PNB Zaggle Credit Card or SBI Cashback Credit Card?

PNB Zaggle Credit Card. PNB Zaggle Credit Card: ₹499; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

PNB Zaggle Credit Card has the lowest forex markup. PNB Zaggle Credit Card: 3.5%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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