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Know how to make the most of your SBI credit card reward points!
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The SBI Card’s Shop & Smile Rewards Structure allows you to accumulate maximum points on various transactions you complete using the card. Depending on the card you choose, you can earn these points and redeem them for various vouchers, deals, and discounts.
If your goal is to accumulate maximum rewards, here are some of the top SBI credit cards you can choose from:
SBI Credit Card |
Reward Details |
|---|---|
SBI Card ELITE |
|
SBI Card PRIME |
|
SBI SimplyCLICK Credit Card |
|
SBI SimplySAVE Credit Card |
|
Disclaimer: The above details are subject to change at the issuer’s discretion.
You can redeem your SBI credit card reward points by purchasing products from the rewards catalogue offered by the bank. You can choose items from various categories, such as:
Electronics
Accessories
Entertainment & Dining
Health & Fitness
Apparel & Superstore
Homeware
Lifestyle
Luxury
Travel & Holiday
The timeline of redemption will vary depending on how you redeem the points. If you redeem your SBI credit card points for e-vouchers, they may be delivered within 5 calendar days. But if you choose gifts, the delivery period can go up to 15 calendar days. So, plan your redemption accordingly.
The number of SBI credit card rewards you can earn depends on the card you have. To view your reward structure, follow these steps:
Visit the SBI Card rewards page
Choose your credit card type
Go to the ‘Terms & Conditions’
Click on ‘Shop-and-Smile’ reward program
Check the reward structure under ‘Points Earned/Accumulated/Redeemed In The Program’
Keeping track of your SBI credit card points will help you use them efficiently. To check your rewards, you can try any of the following options:
Check your credit card statement or log on to the SBI Card mobile app
Log in to the SBI Card website and click on ‘Dashboard’
Chat with ILA by logging into your account through the website
Send ‘REWARDS XXXX’ to 5676791 through the registered number
Note the XXXX refers to the last 4 digits of your card
Give a missed call on 8422845514 from your registered mobile number
You can redeem your accumulated SBI credit card reward points through the SBI Card mobile app or the website. Once you log on to your preferred mode, redeem your SBI credit card points by following these steps:
Navigate to the ‘Rewards’ section on the website or app
Click on ‘Redeem Rewards’ and browse through the catalogue
Select the product of your choice and click on ‘Redeem’
Confirm the transaction to complete the redemption process
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
The value of your SBI credit card points depends on the card you have. For instance, for SBI ELITE, PRIME, and SimplySAVE, 4 points equal to ₹1. Here 1 reward point is equal to ₹0.25 paisa. You can check the value through the website, mobile app, or customer care.
The calculation of your points depends on the reward structure for the card you use. For instance, if you have an SBI SimplySAVE credit card, you can earn 10 points for every ₹150. If you spend ₹1,500 and all of it is eligible for rewards, you will earn 100 points ([1500/150]*10). Remember that this will vary depending on your card and bank’s policies.
To redeem your SBI credit card reward points against cash, you can call the bank’s helpline. You can also send them a request through the ‘Email Us’ link under the ‘Contact Us’ tab on the website.
Yes, these points have an expiry period of 2 years, i.e., 24 months from the date of accrual. You can check the validity of your points through your statement or by logging into your account through the website or mobile app.
If you have an Air India SBI Credit Card, you can convert the accumulated points to Air India Air Miles. Contact the SBI Card helpline numbers 1860 180 1290 or 39020202 (add the local STD code) to raise a request.
You can earn SBI credit card reward points on almost all transactions. However, there are some instances when you cannot enjoy rewards, such as:
Cash advances (Domestic and Foreign)
Balance Transfers, Balance Transfers on EMI
ATM Withdrawals
Easymoney
Encash
Dial a Draft
Financial charges
Payments at fuel stations
Charges incurred before the enrolment date
Card Protection Plan charges
You can get a detailed list of transactions not valid for reward points on the SBI Card website. Having this information will help you optimise your spends and maximise your rewards.
