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SBI Corporate Purchase Credit Card VS SBI Corporate Utility Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026
SBI Corporate Purchase Credit Card
SBI Corporate Purchase Credit Card
SBI Corporate Utility Credit Card
SBI Corporate Utility Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based Waiver1% fuel surcharge waiver on spends between ₹500-₹4000 (max ₹250/cycle) for Signature/Platinum.
Foreign Transaction FeesUpto 3.5% of the transaction amount (plus applicable taxes)
Foreign Transaction FeesUp to 3.5%
Interest Rate (APR)Up to 3.35% per month (40.2% per annum) on cash advances; 3.35% per month (40.2% per annum) on due amount.
Interest Rate (APR)Up to 3.35% per month (40.2% p.a.)

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate
Rewards Rate
Reward Type
Reward Type
Reward Redemption FeeNil
Reward Redemption Fee₹99

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 500-4000 (Signature/Platinum) or Rs. 500-3000 (others), max waiver Rs. 250/100.
Fuel Surcharge Waiver1% on fuel transactions (₹500-₹4000); also applicable on railway counters & IRCTC.

Security & Other

Insurance BenefitsFidelity Guarantee Insurance for protection against employee fraud.
Insurance BenefitsFraud-related insurance (up to ₹2L individual, ₹60L corporate) & Fidelity Guarantee Insurance.
Cash Advance ChargesUpto 2.5% or Rs. 450 (domestic), upto 3% or Rs. 450 (international), whichever is higher.
Cash Advance ChargesUp to 2.5% (domestic) / 3% (international) or ₹450, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBI Corporate Purchase Credit Card

SBI Corporate Utility Credit Card

Who is it for?

The SBI Corporate Purchase Credit Card is an entry-level corporate card designed for businesses to efficiently manage and control their expenses. It offers robust features like Spend Category Control, detailed Spend Analysis via VISA Intellilink, and Smarter Expense Management tools. With zero joining and annual fees, and protection against employee fraud through Fidelity Guarantee Insurance, this card is ideal for corporates prioritizing expense oversight over rewards or travel benefits.

Who is it for?

The SBI Corporate Utility Credit Card is designed for businesses to efficiently manage utility bill payments and corporate expenses. It stands out with zero joining and annual fees, robust fraud protection, and advanced expense management tools. Ideal for organizations prioritizing cost-effective spend control and security over reward earnings, this card streamlines financial operations without offering cashback or reward points.

Pros

Key benefits and features.

The SBI Corporate Purchase Credit Card has no annual or renewal fees, making it a cost-effective solution for businesses.

Benefit from comprehensive Spend Category Control to manage and restrict employee spending effectively.

Utilize detailed Spend Analysis via VISA Intellilink for insights into expenditure trends and compliance.

Enjoy Smarter Expense Management with tracking, policy compliance review, and self-service reports.

Includes Fidelity Guarantee Insurance, protecting your organization against potential employee fraud.

Pros

Key benefits and features.

Enjoy zero joining and annual fees, making the SBI Corporate Utility Card a cost-effective solution.

Streamline utility bill payments with BillDesk BillPay and consolidated payment options for efficiency.

Benefit from comprehensive fraud insurance up to ₹2L (individual) and ₹60L (corporate) for security.

Utilize advanced expense management and reporting tools via Visa Intellilink Spend Management.

Enhanced security with Chip and PIN technology, plus dedicated 24x7 customer service support.

Cons

Key drawbacks and limitations.

The SBI Corporate Purchase Credit Card does not offer any reward points or cashback benefits.

This card lacks travel privileges, lounge access, or other premium lifestyle benefits.

High foreign currency markup of up to 3.5% plus taxes on international transactions.

Cons

Key drawbacks and limitations.

The SBI Corporate Utility Card offers no reward points or cashback on any spend categories.

High finance charges of up to 40.2% per annum apply if card dues are not paid in full.

A reward redemption fee of ₹99 is applicable, despite the card offering no rewards to redeem.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for SBI Corporate Purchase Credit Card(opens in new tab)Apply for SBI Corporate Utility Credit Card(opens in new tab)