Credit Card

Credit Card

Here are the top SBI Cards in India that offer rewards on travel, shopping, fuel and much more. Read more to know about the features of SBI Cards and choose the one that suits your lifestyle.

Best SBI Credit Cards in India

Compare Different SBI Credit Cards

Know everything about SBI Credit Card: Benefits, Features and rewards

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Best SBI Shopping Credit Cards

Some of the SBI credit cards are specially curated to provide huge benefits on shopping such as cash back, rewards, discounts, etc. The following SBI Credit Cards are best-suited for shopping:

1. SimplySave SBI Credit Card   CLICK HERE

Best suited for:  Shopping & Reward Points | Paisabazar Rating ★★★

Key Highlights

Bonus Rewards- 2000 bonus reward points on spending Rs. 2,000 in first 60 days of card issuance

Annual Fee Reversal- Spend Rs. 1 lakh or more in a year to avail annual fee reversal in the next year

Rewards- 1 Reward Point on every Rs. 100 spent,10X more reward points on Dining, Movies, Departmental Stores and Grocery Spends (4 Reward Points = Re. 1)

Fuel Surcharge Waiver- 1% fuel surcharge waiver capped at maximum Rs. 100 per statement cycle

Other SBI Card Benefits- Flexipay, Easy Bill Pay, Balance Transfer and other additional benefits

Income Eligibility for Salaried: Rs.20,000 p.m. | Income Eligibility for Self Employed: Rs.30,000 p.m.

Want to know more about SimplySave credit card? Click here

Similar Cards: HDFC MoneyBack | ICICI Coral Contactless

2. SimplyClick SBI Credit Card

Key Highlights

Welcome Gift- Rs. 500 worth e-gift card from Amazon

Reward Points- 1 Reward Point on every Rs. 100 spent

Extra Rewards on Online Shopping- 10X Reward Points when shopping online with exclusive partners

Milestone Benefits- Spend Rs. 1 lakh and Rs. 2 lakh in a year to get e-voucher worth Rs. 2,000 each

Annual Fee Reversal- Spend Rs. 1 lakh in a year to get annual fee reversed in the subsequent year

Contactless Payment- Simply wave the card at a secured reader to make payment of up to Rs. 2,000.

Income Eligibility for Salaried: Rs.20,000 p.m. | Income Eligibility for Self Employed: Rs.30,000 p.m.

Want to know more about SBI SimplyClick Credit Card? Click here

Similar Cards: Standard Chartered Platinum Rewards 

3. SBI StyleUp Contactless Credit Card

Key Highlights

Welcome Gift- Voucher from FBB worth Rs. 500

Bonus Rewards- 2,000 bonus reward points every year

Discount at Big Bazaar Stores- Flat 10% discount when shopping at FBB and Big Bazaar stores

Accelerated Rewards- 10X reward points when shopping at Big Bazaar, FBB, standalone Food Bazaar outlets, etc.

Pay Utility Bills Easily- Set standing instructions to pay your utility bills

Contactless Payment– Simply wave the card at a secured reader to make payments up to Rs. 2,000

Convert Purchases into EMIs- Convert high-value purchases into easy EMIs with Flexipay

Income Eligibility for Salaried: Rs.20,000 p.m. 

Want to know more about SBI StyleUp Contactless Credit Card? Click here

Best SBI Travel Credit Cards

Frequent travellers should always choose a travel credit card that offers rewards in the form of free air miles, airport lounge accesses, hotel vouchers etc. Here are the top 4 travel credit cards from SBI:

1. Air India SBI Platinum Credit Card

Key Highlights

Welcome Gift- 5000 Reward Points on payment of joining fee

Travel Benefit– Complimentary Air India’s Frequent Flyer Program-Flying Returns

Reward Points– 5X reward points on every Rs. 100 spent on Air India flight bookings, up to 15,000 bonus points annually

Air Mile Conversion- Convert Reward Points into Air Miles (1 RP is equal to 1 Air India Air mile)

Lounge Access- Complimentary VISA lounge access at all domestic airports

Income Eligibility for Salaried and Self Employed: Rs.40,000 p.m.

Want to know more about Air India SBI Platinum Credit Card? Click here

Similar Cards: Standard Chartered Manhattan Platinum | Axis Vistara Signature

2. Air India SBI Signature Credit Card

Key Highlights

Welcome Gift- 20,000 reward points

Travel Privilege- Complimentary membership to Air India Frequent Flyer Program- Flying Returns

Reward Earnings- Up to 30 Reward Points on every Rs. 100 spent on Air India tickets bookings through airindia.com or AirIndia mobile app

Lounge Access- Access to over 600 international luxury airport lounges through the Priority Pass Program and VISA Lounge Access at domestic airports

Anniversary Gift- 5,000 Bonus Reward Points every year

Income Eligibility for Salaried and Self Employed: Rs.60,000 p.m. 

Want to know more about Air India SBI Signature? Click here

Similar Cards: Axis Vistara Infinite | Citi PremierMiles

3. IRCTC SBI Platinum Credit Card

Key Highlights

Welcome Bonus- 350 activation bonus reward points on spending Rs.500 within 45 days of card issuance

Value-back on IRCTC- Up to 10% value back as Reward points on buying AC1, AC2 and AC CC tickets on irctc.co.in

Fuel Surcharge Waiver- 1% fuel surcharge waiver across all petrol pumps  capped at Rs. 100 per statement cycle

Cash back on ATM Withdrawal– Rs.100 cash back on first ATM cash withdrawal within 30 days of receiving the card

Travel Privileges- Tailor-made travel packages for leisure tours to various places in India

SBI Card Benefits- Transfer outstanding balances from other cards and convert high-value purchases into EMIs with Flexipay

Income Eligibility for Salaried: Rs.20,000 p.m. | Income Eligibility for Self Employed: Rs.30,000 p.m.

Want to know more about IRCTC SBI Credit Card? Click here

4. Yatra SBI Credit Card

Key Highlights

Welcome Gift- Voucher worth Rs. 8,250 from Yatra

Accelerated Rewards- 6X Reward Points when shopping at grocery/departmental stores, dining etc.

Discount on Hotel Booking– 20% off on domestic hotel booking for a minimum transaction of Rs. 3,000

Lounge Access- 2 complimentary domestic airport lounge access per calendar quarter

Insurance– Complimentary Air Accident cover of Rs. 50 lakh

Income Eligibility for Salaried: Rs.20,000 p.m.

Want to know more about SBI Credit Card? Click here

Similar Card: MakeMyTrip ICICI Bank Platinum 

5. SBI Card Elite

Key Highlights

Welcome Gift- E-gift voucher worth Rs. 5,000 within 15 days of annual fee payment.

Movie Tickets- Complimentary movie tickets worth Rs. 6,000 every year

Bonus Rewards- Up to 50,000 Bonus Reward Points worth Rs. 12,500 per year

Lounge Access– Complimentary membership to the Priority Pass Program worth $99 and 2 complimentary Domestic Airport Lounge visits every quarter

Accelerated Rewards- 5X Reward Points on Dining, Departmental stores and Grocery Spends

Travel Benefits- Complimentary Club Vistara Silver membership and Trident Privilege Red Tier membership

Low Foreign Currency Mark-up- Lowest Foreign Currency Mark-up Charge of 1.99% on International usage

Income Eligibility for Salaried and Self Employed: Rs.60,000 p.m.

Want to know more about SBI Card Elite? 

Similar Cards: Standard Chartered Emirates World | American Express Platinum Travel

6. SBI Mumbai Metro Credit Card

Key Highlights

Preloaded Value- Preloaded Rs. 50 or Auto top-up of Rs. 200 on Mumbai Metro card when balances come down to Rs. 50

Reward Earning- 10 reward points on Rs. 100 spent on auto top-up of the card.

Extra Rewards- 10X reward points when shopping at grocery and departmental stores

Annual Fee Reversal- Spend Rs. 1 Lakh or more in a year to get annual fee reversed

Bonus Rewards- Spend Rs. 2,000 in the first 60 days to get 2,000 Reward Points

Mumbai Metro Benefits- Up to 20% discount on Mumbai Metro travel

Want to know more about SBI Mumbai Metro Credit Card?

Similar Cards:  ICICI Unifare Mumbai Metro Card

Best SBI Rewards Credit Card

Credit Cards with rewards help you earn points on every transaction that you make – online as well as offline. Here are the details of SBI Card Prime, best suited for individuals who are looking for cashbacks and points.

1. SBI Card Prime

Key Highlights

Welcome Gift- E-gift voucher worth Rs. 3,000 redeemable at Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com

Reward Points- 2 Reward Points for every Rs. 100 spent on retail shopping. 10X reward points on Utility Bill payments through standing instruction

Extra Rewards with Partners- 15 Reward Points for every Rs. 100 spent at BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar stores

Milestone Benefit- Pizza Hut e-Voucher worth Rs. 1,000 on spending Rs.50,000 in a quarter

Hotel Privileges- Complimentary Trident Privilege Red Tier Membership with 1,000 Welcome Points

Insurance Cover- Complimentary Air Accident Liability Cover of Rs. 50 lakh and Fraud Liability Cover of Rs. 1 lakh

Income Eligibility for Salaried and Self Employed: Rs.32,000 p.m.

Want to know more about SBI Card Prime? 

Similar Cards: American Express Platinum Travel | HDFC Regalia

Best SBI Fuel Credit Card

Fuel cards provide fuel surcharge waiver on fuel spends at petrol pumps. Details of one of the best SBI Credit Card for fuel spend is mentioned below:

BPCL SBI Credit Card

Key Highlights

Welcome Gift- 2,000 activation bonus points worth Rs. 500.

Fuel Privileges- 13X reward points + 1% fuel surcharge waiver at BPCL petrol pumps on every transaction up to Rs. 4,000

Rewards- 5 reward points on spending Rs. 100 at departmental stores, groceries, dining and movies

Utility Bill Payments- Pay your utility bills using the easy bill pay facility

Balance Transfer- Transfer outstanding from other cards and get a lower rate of interest and payback in EMIs

Read more about SBI BPCL Card

Similar Cards: IndianOil Citibank | HDFC IndianOil

SBI Credit Card Fees and Charges

The table given below shows some common fees and charges applicable on SBI cards. Please note that some specific fees and charges may differ on card to card basis.

How to Get SBI Credit Card Reward Points

With SBI cards, you not only get the power of spending more, but you can also earn while spending with its exciting rewards program. The number of reward points that one can earn differs from card to card and can be redeemed for gift vouchers, accessories, shopping and more. These are the number of points you can earn for different SBI cards-

Reward points cannot be utilized in combination with the points accumulated on other SBI Cards held by the same individual. Points accumulated should be redeemed within 24 months from the date of accrual otherwise they will lapse. SBI cards launched in collaboration with airlines may offer Air Miles in the place of reward points and they should also be redeemed before voluntary closure of the Credit Card.

Also Read: 4 Questions To Ask About Your Credit Card Rewards Program

How to Redeem SBI Reward Points

The reward points accumulated on SBI credit cards can be redeemed online by logging into SBI Cards official website. They can also be redeemed by visiting the partner merchant store. Alternatively, users can also call on SBI Card helpline 39020202 (prefix local STD code) to redeem their reward points. Points can be redeemed in the multiple of 2000 points unless otherwise stated.

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SBI Credit Cards Eligibility and Documentation

Though the eligibility criteria for SBI credit cards may differ on the basis of the card you have applied for, some conditions remain the same for all SBI cards.

• Age of the applicant should be between 18 and 60 years.
• The applicant must have a good credit score.
• The applicant must meet the annual income level required for the card applied.
• He/she must be able to produce all the necessary documents.

Documents Required to Apply for SBI Cards

At the time of applying for SBI credit card, you must be able to provide valid proof of identity, address and income. The table given below shows the list of documents required for SBI Card application.

How to Apply for SBI Credit Cards

SBI Card offers a number of credit cards, each loaded with exclusive benefits and privileges. These cards not only make shopping easier for the customers but at the same time they allow the users to earn reward benefits. You can apply for SBI cards both online and offline. Below is the step by step guide to apply for SBI Credit Card:

Apply for SBI Credit Card Online

STEP 1- Click Here to start with your credit card application

STEP 2- Fill the basic requirements like your name, address, date of birth, monthly income etc.

STEP 3- A list of banks offering the suitable credit card options for you will be shown.

STEP 4- Select the option that suits your financial profile and then you can apply for that credit card. The bank will review your credit card application and then accordingly the application will proceed. Once your application is accepted, you will receive the credit card within a few working days.

Apply for SBI Credit Card Offline

To apply for SBI credit card offline, you will have to visit the nearest branch of State Bank of India. Meet one of their credit card representatives; share your requirements and what you expect from your SBI credit card. Based on this, the representative will suggest a credit card along with its features and benefits. If you are satisfied, you can fill out the credit card application form and submit along with the required documents. You will receive your SBI credit card in a few days.

Already applied for SBI Credit Card? Check your application status online.

Click Here

What is SBI Credit Card Customer Care Number

SBI Credit Card customers can contact SBI care for any query via call, email and SMS.

SBI credit card customer care toll-free number: Dial 39 02 02 02 (prefix local STD code), 1860180 1290 or 1800 180 1290 (toll-free). The customer care executives will be available from 8 am to 8 pm from Monday to Saturday.

SBI credit card customer care Email ID: feedback@sbicard.com

SBI credit card customer care Nodal Officer Email ID: nodalofficer@sbicard.com

SBI credit card customer care SMS: SMS HELP to 5676791 from your registered mobile OR SMS PROBLEM to 9212500888 to receive a call back from SBI card customer care executive within 24 hours.

In case of any complaints, SBI credit card customers can fill the complaints form available on the official website of SBI Card or visit the given link:

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SBI Credit Card FAQs

What are the possible online payment options for SBI Cards?The online payment options include NEFT, Electronic Bill Payment, National Automated Clearing House (NACH), Visa Credit Card Pay, Debit Card etc. Some of the offline methods include payment by cash, cheque, demand draft and SBI ATM

Is balance transfer available on SBI Credit Cards?Yes, SBI card proves the facility of a balance transfer. You can transfer your existing credit card balance from another bank to SBI Card easily.

Is the SBI Credit Card globally accepted? If yes, what are the SBI cards fee applied?Yes, the SBI Card is accepted internationally as well. For detailed information on the SBI credit card charges and  fees, you can visit SBI Card website

How can I close the credit card account from SBI?To close your SBI Card account, you can contact the customer care executives at 1860 180 1290 or 1800 180 1290. You can place a request with the bank executives for closing your account and they will guide you with the process.

What are SBI card charges?

SBI implements various charges on its credit cardholders for providing a range of services. Some of SBI card charges are – annual fee, renewal fee, cash advance charges, cash withdrawal charges, finance charges, foreign currency markup fee, etc.

Which is best SBI credit card?SBI offers credit cards for all types of customers. It also has credit cards to meet special needs of the cardholders. One can apply for a credit card that suits his requirements the best for shopping, travel, dining, rewards, etc.

Who can apply for SBI cards?

• The applicant should be of 18 to 60 years of age
• He should have a decent credit score
• He should fulfill the salary requirements set by the bank for the specific card
• He should have all the required documents

Is SBI credit card free?SBI credit cards carry an annual fee but the amount is waived off if the cardholder spends a specific amount in the calendar year. Also, the SBI cardholder gets welcome benefits worth the annual fee for most of the cards.

What is the minimum salary required for credit card?The minimum salary requirement for each card varies depending on the features and benefits of the card. The bank decides the minimum salary requirement for applicants from time to time. The minimum salary requirement may vary from Rs.1.8 lakh to up to Rs. 15 lakh.