SBI Card is one of India’s leading credit card issuers. It provides a wide range of credit cards that help individuals get more out of their everyday spending. They do this through their robust rewards programme that helps cardholders redeem their reward points against a wide variety of goods and services.
You can earn SBI credit card reward points by making transactions with your credit card. The rate at which you accumulate points will depend on the type of credit card you have and your usage. You can get a general sense of how your reward points will accumulate by learning more about your credit card’s rewards’ structure. Here’s how you can do that:
Step 1: Visit SBI Card’s Rewards portal - https://www.sbicard.com/en/personal/rewards.page
Step 2: Choose your credit card variant
Step 3: Click on ‘Terms and Conditions’
Step 4: Choose 'Shop-and-Smile'
Step 5: Click on 'Points Earned/Accumulated/Redeemed In The Program' to know how reward points will accrue for different types of transactions
You can redeem your accumulated points through SBI Card’s official website or their mobile app. Here’s how you can go about doing the same:
Step 1: Log in to sbicard.com
Step 2: Click on 'Rewards' and choose 'Redeem Rewards'
Step 3: Browse through the Rewards Catalogue and select the items you want to buy
Step 4: Click on ‘Redeem Now’
Congratulations, you have successfully redeemed your reward!
Step 1: Log in to the SBI mobile app
Step 2: Click on 'Rewards' and choose 'Redeem Rewards'
Step 3: Look through the Rewards Catalogue and choose the items you want to buy
Step 4: Click on ‘Redeem’ to confirm your order
And, that’s it! You’ve successfully redeemed your rewards.
The SBI credit card reward points for different SBI card variants are provided below.
Credit Card Variant |
Rewards’ Structure |
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Disclaimer: Please note that rewards details mentioned in the table are only indicative. These are subject to change at the providers’ discretion.
The following ways can be used to check the SBI credit card reward points.
Through the summary of your reward points on the most recent statement of your credit card.
You can use Chatbot ILA to log in to your account and inquire about the reward points.
By giving a missed call to 8422845514 from your mobile phone.
You can use the SMS feature and send ‘REWARDS <space> your SBI credit card’s last four digits’ to 5676791 from your registered phone number.
By logging into the SBI net banking website and checking the ‘Rewards’ section.
You can view your SBI credit card reward points by using the SBI mobile app.
You can redeem your SBI credit card reward points against a number of products across categories. Here are some of them:
Accessories
Entertainment and Dining
Books and Periodicals
Apparel and Superstore
Electronics
Health and Fitness
E-voucher
Homeware
Convert your reward points into Air Miles by calling SBI Card’s helpline at 1860 180 1290 or 39020202. Note that converting your reward points into Air Miles is subject to SBI Card’s terms and conditions.
Some transactions made using your SBI Card will not accrue reward points. These are listed below:
Cash withdrawal
E-wallet loads
Disputed transactions
Balance transfers
Encash or Dial-a-draft transactions
Fuel transactions
Late payment charges, dishonoured fees, etc.
SBI Card charges a rewards redemption fee of ₹99 for each redemption request.
No, you will not be able to consolidate reward points from multiple cards.
You can convert your reward points to cash by writing to SBI Card at sbicard.com/email or by calling their helpline.
Yes, you can settle your outstanding amount with reward points. Note that you can only use your reward points in the multiples of 2,000 for the same.
The value of SBI credit card reward points in rupees varies based on the redemption option chosen. Generally, the value ranges from 25 paise to 1 rupee per reward point. This means, 1000 Reward Points get you shopping worth Rs. 250 for free. Redemption options include merchandise, vouchers, and statement credit. It's advisable to check the specific redemption catalog or contact SBI Card customer service for the most accurate and up-to-date information.
You can reward redeem your SBI Card reward points on the official website or app.
Yes, you can convert your reward points into Air Miles by getting in touch with SBI Card’s customer support team.