Best SBI Card

Best SBI Credit Card

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Best SBI Credit Cards in India

Why are SBI credit cards best in India, you ask? For starters, the SBI SimplyCLICK credit card offers 5X reward points on all online spends while the SBI SimplySAVE Credit Card offers 10 reward points for every ₹100 spent on dining, movies, and groceries. If you are looking for significant cashback, the PaytmFirst SBI Card Select should be on your list. Similarly, for savings on fuel spends, you should consider the BPCL SBI Card Octane which offers a 1% fuel surcharge waiver as well as a 7.25% value back on your fuel spending at BPCL. Read on to know more about SBI credit cards so that you can select and apply for the one that best matches your needs.

List of Best SBI Credit Cards

1) SBI SimplyCLICK Credit Card

Suited for: Best SBI credit card for online shopping

Annual fee: ₹499

Key Features:

  • Welcome gift: A welcome gift voucher worth ₹500 from Amazon.

  • Rewards: For every ₹100 spent, earn 1 reward point. On all online spends at partner stores, earn 10X credit card reward points.

  • Milestone benefits: On reaching annual online spends of ₹1 lakh and ₹2 lakh, get e-vouchers worth ₹2,000 each.

  • Fuel benefits: On fuel transactions between ₹500 and ₹3,000, avail 1% surcharge waiver.

  • Fee reversal: Annual fee reversal against spending of over ₹1 lakh in a year.

2) SBI SimplySAVE Credit Card

Suited for: Best SBI credit card for beginners

Annual fee: ₹499

Key Features:

  • Rewards: For every ₹150 spent on dining, movies, and groceries, earn 10 reward points. On all other spends over ₹150, earn 1 reward point.

  • Annual fee reversal: The annual fee is reversed if ₹1 lakh is spent on the card in a year.

  • Fuel benefits: On fuel transactions between ₹500 and ₹3,000, avail 1% surcharge waiver.

  • Welcome benefits: On spending ₹2,000 in the first 60 days, get 2,000 reward points.

3) PaytmFirst SBI Card Select

Suited for: Best SBI credit card for cashback

Annual fee: ₹1,499

Key Features:

  • Cashback: On Paytm Mall, movies, and travel spends, get 5% cashback; get 2% cashback on all other purchases on Paytm; 1% cashback on all other online and offline spends.

  • Milestone benefits: Complimentary PaytmFirst membership renewed by spending ₹1 lakh in a year.

  • Fuel benefits: On fuel transactions between ₹500 and ₹4,000, avail 1% surcharge waiver.

  • Welcome benefits: Complimentary PaytmFirst membership (benefits worth ₹75,000) and cashback of ₹750 on Paytm wallet.

4) BPCL SBI Card Octane

Suited for: Best SBI credit card for fuel

Annual fee: ₹1,499

Key Features:

  • Valueback: 7.25% value back on your fuel spending at BPCL.

  • Milestone benefits: The renewal fee is waived off if ₹2 lakh is spent on the card in a year.

  • Fuel benefits: On fuel transactions worth ₹4,000, avail 1% surcharge waiver.

  • Rewards: For every ₹100 spent on dining, movies, and groceries, earn 10 reward points.

  • Welcome rewards: 6,000 bonus reward points worth ₹1,500 to waive off the annual fee.

5) SBI Card PRIME

Suited for: Best SBI credit card for rewards

Annual fee: ₹2,999

Key Features:

  • Complimentary memberships: Free membership to Club Vistara Silver, Priority Pass, and Trident Red Tier.

  • Milestone benefits: e-Vouchers worth ₹7,000 from Yatra/Pantaloons for spending ₹5 lakh. A ₹1,000 Pizza Hut e-voucher against spends of over ₹50,000 in the first quarter of the year.

  • Fee waiver: The renewal fee is waived off if ₹3 lakh is spent on the card in a year.

  • Rewards: For every ₹100 spent, earn 2 reward points; earn 10 reward points on dining, movies, and grocery spends.

  • Welcome rewards: Welcome e-voucher worth ₹3,000 from Bata/Hush Puppies/Aditya Birla Fashion/Pantaloons/Shoppers Stop or other lifestyle stores.

6) Club Vistara SBI Card

Suited for: Best SBI credit card for air travel

Annual fee: ₹2,999

Key Features:

  • Complimentary memberships: Complimentary Priority Pass membership.

  • Milestone benefits: Yatra voucher worth ₹10,000 on spending ₹8 lakh. When you reach annual spends of ₹1.5 lakh, ₹3 lakh, ₹4.5 lakh, and ₹8 lakh, get 1 Vistara Premium Economy ticket free.

  • Rewards: For every ₹200 spent, earn 4 Club Vistara Points.

  • Welcome rewards: Welcome gift of 1 Vistara premium economy ticket on payment of annual fee.

  • Travel benefits: On select hotels and resorts, save up to 33%; get up to 6 cancellations (maximum ₹3,500) per year.

  • Complimentary lounge access: 8 complimentary domestic airport lounge access (2 per quarter).

7) SBI IRCTC RuPay Credit Card

Suited for: Best SBI credit card for railway travel

Annual fee: ₹300

Key Features:

  • Valueback benefits: On AC1, AC2, AC3 and AC CC tickets and earn up to 10% value back as Reward points. (1 Reward Point = ₹1).

  • Fuel benefits: On fuel transactions between ₹500 and ₹3,000, avail 1% surcharge waiver.

  • Rewards: For every ₹125 spent on non-fuel retail purchases, earn 1 reward point.

  • Travel benefits: 1% transaction charges on railway ticket bookings on www.irctc.co.in.

  • Complimentary access: 4 complimentary railway lounge access (1 per quarter) to participating lounges in India.

  • Welcome benefits: 350 Reward Points on one transaction of ₹500 or more within 45 days of card issuance.

8) SBI Card ELITE

Suited for: Best premium SBI credit card

Annual fee: ₹4,999

Key Features:

  • Complimentary memberships: Free membership to Club Vistara Silver, Priority Pass, and Trident Red Tier.

  • Milestone benefits: Earn up to 50,000 reward points worth ₹12,500 in a year.

  • Rewards: For every ₹100 spent, earn 2 reward points; earn 5X rewards on dining, movies, and grocery spends.

  • Movie benefits: Get 2 free movie tickets, worth ₹250 each, per month from BookMyShow.

  • Welcome rewards: Welcome e-voucher worth ₹5,000 from Bata/Aditya Birla Fashion/Pantaloons or other lifestyle stores.

  • Fee waiver: Annual fee waiver against spends worth ₹10 lakh.

In addition to these, SBI also has special co-branded cards such as the Lifestyle Home Centre SBI Card, SBI Central SELECT Credit Card, SBI Max SELECT Credit Card, SBI FBB STYLEUP Credit Card, all of which you can use to earn shopping rewards at partner brand outlets.

The Bajaj MARKETS website/app is the best place to browse and apply for credit cards. The process is simple and requires only a few basic details to understand your credit card eligibility. So quit waiting and select the right SBI credit card for yourself, today.

Key Benefits of SBI Cards

Despite offering a wide range of credit cards, SBI has shown consistency in delivery of a number of key benefits across all categories of credit cards. In this segment, let’s look closely at some of the overarching benefits of having an SBI credit card.

1. Auto payments

No matter which SBI credit card you get, you can use it to pay all your utility bills in one place, automatically, and in a seamless manner. SBI has branded this functionality as Easy Bill Pay. It automatically deducts the card spends for utility bills like phone, electricity and water bills, as well as recurring instalments like insurance premiums in a timely manner.

2. Easy account access

SBI allows you to keep hands-on tabs on your credit card by way providing easy access to your SBI account online or through the SBI card app. You can pay your bills, check your balance, and carry out other account-related activities at the click of a button, anywhere.

3. Cut down on interest payments

In case you have other credit cards with outstanding bills, these unpaid amounts can be transferred to your SBI credit card and you can enjoy a lower interest rate on the amount outstanding. Moreover, by transferring the balance, you can also prevent paying interest on a number of credit cards.

4. Protection with credit card insurance

All SBI credit cards come with an insurance facility. SBI has partnered with CCP so that you are protected in case your card is lost, stolen or used in a fraudulent activity. This facility provides card holders with assistance in case of emergency travel and replaces the stolen or lost credit card free of cost, along with a range of other benefits.

5. Easy access to cash

In case you are strapped for funds, you can use your SBI credit card to transfer money to your bank account with the Encash feature. You can access a fund amount equivalent to or above your credit limit with this feature within 48 working hours of submitting a request. As for the repayment, you can make it in easy instalments over a one-year, two-year, or even a three-year period.

How to Apply for an SBI Credit Card Online

You can apply for an SBI credit card in a seamless, hassle-free manner online. There are two ways in which you can apply for an SBI credit card online – through the SBI website, or through an online marketplace like Bajaj Markets. Here is how to:

  • Apply via the SBI website

You can follow these simple steps to apply for a credit card through SBI’s own website:

  1. Visit the SBI website

  2. Select ‘Help me find a credit card’

  3. You can browse for the best SBI credit card suited to your needs with the Simplyfier feature

  4. Make sure you read all the features and benefits offered by the credit card carefully

  5. Click on the ‘apply’ button

  6. Enter your contact details and personal details

  7. Wait for an SBI Bank representative to get in touch with you to further the application 

  • Apply for an SBI loan through Bajaj Markets
  1. Visit www.bajajfinservmarkets.in

  2. Click on the ‘cards’ tab

  3. Select ‘credit cards’

  4. Fill out the eligibility checker with your nature of employment, phone number and date of birth

  5. The application page will open up

  6. Fill out the necessary details and click on ‘submit’

  7. You will receive a message of confirmation along with your application ID

Documents Required for Application

All banks require a set of documents to verify your eligibility for a credit card. Once you have selected the best SBI credit card for yourself, here is the listed the documents sought by SBI to establish your credit card eligibility. Keep in mind that the bank may ask for additional information to perform an eligibility check.

  1. Identity proof like ration card, voter ID, passport, Aadhaar card, driver’s licence or PAN card.

  2. Address proof like telephone bill, electricity bill, rent agreement, ration card, passport, or Aadhaar card

  3. Income proof for the self-employed professionals like business financial statements, latest income tax return, loss statement, and audited balance sheet

  4. Proof of income for salaried professionals like salary slip, employment letter, or salary certificate

SBI Card Other Fees and Charges 

Before you apply for the best SBI credit card that is suited to your requirements, it would be prudent to understand the charges and/or fees you may incur. In this section, we have tabulated all the possible fees or charges of holding and using an SBI credit card.

Type of fee/charge

Amount of fee/charge

Monthly minimum amount due

5% of the total bill amount outstanding, or ₹200 along with taxes (the higher amount between these)

Finance charge on credit card

All unsecured SBI credit cards, except for the Shaurya credit card, accrue a 3.5% finance charge

Finance charge on cash advance

In case of domestic cash withdrawal, you will be charged 2.5% of the amount or ₹500 as fee, whichever is higher

Interest free period

You can enjoy an interest free period of 20 to 50 days

Late payment fee

  • No fee up to ₹500

  • ₹501 to ₹ 1,000 - ₹ 400

  • ₹ 1001 to ₹ 10,000 - ₹ 750

  • ₹ 10,001 to ₹ 25,000 - ₹ 950

  • ₹ 25,001 to ₹ 50,000 - ₹ 1,100

  • Amount over ₹ 50,000 - ₹ 1,300 

Retrieval of statement

Is the required statement is more than 2 months old, a fee of ₹ 100 will be accrued 

Domestic card replacement fee

₹ 100 to ₹ 250

Over limit fee

2.5%

FAQs on Best SBI Cards in India

  • ✔️Which SBI card is best for shopping?

    The SBI SimplyCLICK credit card is the best credit card for online shopping. You can also opt for the PaytmFirst SBI Card Select if you are looking to save on Paytm shopping. SBI has special co-branded cards too, such as the Lifestyle Home Centre SBI Card, SBI Central Credit Card, SBI Max SELECT Credit Card, and SBI FBB STYLEUP Credit Card, which you can use to enjoy shopping rewards at brand outlets.

  • ✔️Which type of credit card is best in SBI?

    Depending on the type of credit card, the best SBI cards are listed below:

    • Best card for online shopping: SBI SimplyCLICK Credit Card

    • Best card for beginners: SBI SimplySAVE Credit Card

    • Best card for cashback: PaytmFirst SBI Card Select

    • Best card for fuel: BPCL SBI Card Octane

    • Best card for rewards: SBI Card PRIME

    • Best card for travel: Club Vistara SBI Card PRIME

    • Best premium card: SBI Card ELITE

  • ✔️Which SBI credit card is best for Amazon shopping?

    The SBI SimplyCLICK credit card is the best credit card for online shopping.

  • ✔️Which SBI credit card is good for beginners?

    If you are a beginner or a first-time credit card holder, the best SBI credit card for you would be SBI SimplySAVE or SBI SimplyCLICK. These cards attract an annual fee of only ₹499 along with a respectable line-up of benefits for that amount.

    The SBI SimplyCLICK is a good option for those who shop online routinely. The SBI SimplySAVE, on the other hand, is a handy credit card to have for those who spend regularly on retail shopping.

  • ✔️Is SBI credit card offer free?

    While almost all SBI credit cards charge an annual fee, the SBI Unnati credit card can be availed for free (i.e., without an annual fee).