SBI Credit Card Reward Points

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SBI Credit Card Reward Program

SBI credit cards are known to offer the best reward points. As per your credit card, you get exciting rewards on all your purchases. To claim the benefits of the SBI credit card, choose a card that best matches your lifestyle and spending habits. There are SBI Credit Card reward points  for different types of purchases such as dining, shopping, travel, etc. There are special SBI card rewards on products such as electronics, lifestyle, home décor, vouchers, etc., as well which you can access as per your accumulated SBI Card reward points. Furthermore, you can use the ‘SBI Credit Card reward points converted to cash facility’ to pay your bills.  

List of Top SBI Credit Cards for Reward Points

Here is the list of SBI Credit Card reward points:



  • You will receive 2 reward points on a transaction of every ₹100 spent on utilities.

  • 10 points on ₹100 spent on dining, department store, groceries, and film transactions.

  •  2 reward points on ₹100 spent on retail, etc.(except fuel)

  • On transactions ranging from ₹500 to ₹4,000 on fuel, you will get 1% waiver on fuel surcharge. 

2. OLA Money SBI Credit Card:

  • 7% reward points for OLA ride along with 1% points on other purchases.

3. Apollo SBI Credit Card:

  • You will get 500 points or ₹500 on joining

  • Reward points 3x on ₹100 transactions on Apollo services

  • 1 point on wellness and beauty

  •  2 x points on ₹100 used on dining, entertainment, movies, etc.

  • The option to redeem rewards about thrice. 

  • On non-fuel purchases, earn 1 reward point.

4. SBI PRIME Advantage Credit Card:

  • You can claim 20 points for ₹100 spent on utilities

  • 10 points for ₹100 utilised on groceries, restaurants, movies, etc.

  • 2 points on expenses other than fuel

  • You will get 1% waiver on fuel surcharge at petrol pumps for transactions that range from ₹500 to ₹4,000

5. SBI Card ELITE:

  • Movie tickets of up to ₹6,000 per year

  • E-gift voucher of up to ₹5,000 as welcome gift

  • Rewards of up to 5X on dining, groceries and departmental store purchases

  • 2 points on other expenses 

  • Bonus of up to 50,000 reward points adding up to ₹12,500 each year

  • Yearly spends of ₹3- 4 Lakhs bring you rewards of up to 10,000 points. 

6. SBI Card PULSE:

  • Noise ColorFit Pulse 2 Max Smartwatch as welcome present on the payment of joining fee, worth ₹5,999

  • Free membership of Netmeds and FITPASS PRO on renewing the card each year

  • Reward points of up to 10X on spending ₹100 on pharmacy, movies, medicines and dining. 

  • Points of up to 2X on every ₹100 that is spent

  • On spending ₹2 Lakh, waiver on renewal fee. 

  • E-vouchers of up to ₹1,500 on spending ₹4 Lakh on retail expenses every year.

7. Doctor’s SBI Card (in alliance with IMA):

  • Insurance coverage for professional indemnity of up to ₹20 Lakh

  • Welcome gift voucher of up to ₹1,500 from 

  • Earn 5X points on travel bookings, medical supplies, and international expenditure. 

  • Doctor’s day expenses will get you up to 5X points. 

  • Expenses worth ₹100 will get your 1 bonus point. 

  • On spending ₹5 Lakh annually at Shoppers Stop, Bata, and get vouchers worth ₹5,000

  • On spending up to ₹2 Lakh per year, renewal rate will be reversed. 

8. Doctor’s SBI Card:

  • Rewards points of up to 5X on international expenses, travel bookings and medical supplies

  • Up to 5X points on Doctor’s day expenses

  • On expenses worth ₹100, earn 1 reward point. 

  • Reimbursement for legal and defence costs 

  • vouchers of up to ₹1,500  as welcome present

  • On spending ₹5 lakhs yearly, vouchers of up to ₹5,000 from Bata, and Shoppers Stop. 

SBI Credit Card Rewards Catalogue

The rewards that you earn through your SBI credit card can be redeemed on the SBI website on the categories that are listed below:

  • Lifestyle

  • Dining and Entertainment

  • Accessories

  • Travel and Holidays 

  • Homeware

  • Electronics

  • Kids Zone

  • Preferred Partners

  • Apparel and Superstore

  • Luxury

  • Health and Fitness 

How to Earn SBI Credit Card Reward Points

Earning reward points depends on the type of SBI credit card you have. Here is what you need to do:


  • Step 1: Visit the page.

  • Step 2: Choose your credit card.

  • Step 3: Open ‘Terms and Conditions’.

  • Step 4: Choose the ‘Shop-and-Smile’.

  • Step 5: Click on Points Earned/Redeemed/Accumulated.

  • Step 6: View reward points.

How to Check SBI Credit Card Reward Points 

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 login to your account and view your statement 

  • By giving a missed call to the contact number 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 

  • 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 as well. 

How to Redeem SBI Rewards

You can redeem the SBI credit card reward points either online or offline.

Given below are ways in which you can redeem them online:

1. Using the Internet Banking facility:

  • Use your SBI password and customer ID to log into the SBI credit card portal

  • Select ‘Redeem Rewards’ under the ‘Rewards’ section. 

  • Use filters like city, category and rewards points 

  • Pick your preference from the ‘Rewards Catalogue’

  • Select ‘Redeem Now’. 

2. Using the Mobile Banking facility:

  • Enter your SBI password and user ID to login to the SBI mobile app

  • Under the ‘Rewards’ option, select ‘Redeem Rewards’

  • Apply filters such as category, reward points and city

  • Choose the item of your choice from the ‘Rewards Catalogue’

  • Select ‘Redeem Now’ to go ahead with the process of redemption

You can opt to redeem your SBI Credit Card reward points offline as well. You could do so by contacting the customer service centre of SBI at 18601801290 or 18001801290. A customer care executive will assist you with the redemption process. 

FAQs on SBI Credit Card Reward Points

  • ✔️What are the charges of redemption fee on the SBI Card?

    A reward redemption fee of ₹99 plus taxes is charged for every redemption request on the SBI card.

  • ✔️Can I consolidate reward points on multiple SBI Credit Cards?

    No, you cannot consolidate reward points on multiple SBI credit cards. You can only redeem points for the card on which the points were earned.

  • ✔️How to convert SBI credit card points to cash?

    To convert your accumulated SBI credit card reward points to cash, you need to write to SBI or call them.

  • ✔️Can I pay my SBI Credit Card outstanding using my reward points?

    Yes, it is possible to pay your outstanding balance using your SBI Credit Card reward Points.

  • ✔️Can I know my SBI Credit Card reward points value in rupees?

    To know your SBI Credit Card reward points value in rupees, call the SBI helpline at 18001801290.

  • ✔️How do I redeem my reward points?

    To redeem your SBI credit card reward points, visit the website, use the app, or call the customer service.

  • ✔️How can I use my reward points to redeem cash?

    In order to redeem SBI Credit Card reward points value in cash,  call the SBI helpline at 18001801290.

  • ✔️Do the reward points accrued on my SBI Card expire?

    Yes, the SBI Credit Card reward points accrued will expire after 24 months from the date of accumulation.

  • ✔️Within what time will I get the items redeemed against the SBI Credit Card reward points?

    You can get the vouchers redeemed within five working days and acquire the products within 15 working days.

  • ✔️How do you check the SBI credit card reward points summary?

    You can check your SBI credit card reward points summary through the latest credit card statement which will give you a clear picture of your reward points. You can also check the reward points summary by sending an SMS to 5676791 that reads ‘REWARDS <space> the last four digits of your SBI credit card’. Alternatively, you could also check the summary of your reward points through the SBI mobile app or net banking portal.

  • ✔️What is the validity of the SBI credit card reward points?

    The SBI credit card reward points have a 24 month validity period. For example, if you have a balance of 1,000 reward points on the 23rd January, 2023, it will be valid till 23rd January, 2025. Once this date passes, you will no longer be able to redeem your SBI credit card reward points.