Major monthly spends are Fuel and utility...
SBI Cashback card gives same as other 1% for Fuel.
Utility SBI Cashback gives 1% , FK Axis 1.5%, while Ace gives 5%
Other shopping FK (FK Axis gives 5% normal, 10% with grabdeals) ,Amazon 1.5%, Myntra 5%, Uber 4% So SBI Cashback no better than FK Axis.
Groceries is other segment which RBL zomato card can give on blinkit 5%/10%
Sooner or later they will move gold purchases out of cashback. Also during sale they will might exclude this card or put a cap.
which moves me away from this card.