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SBI offers various types of credit cards that come with a number of attractive features and benefits. You get to enjoy SBI credit card features and benefits like deals and discounts on shopping, complimentary airport lounge access, reward points, and concierge service, among others. 

 

Read on to know the benefits you can get with these credit cards in detail.

 

Check out these SBI credit card features and benefits

  • Lower Interest Option

You can transfer the outstanding balance of another bank’s credit card to the SBI credit card. You can do so at lower interest and repay the amount in EMIs via the balance transfer on EMI feature.

  • Flexipay

You can easily purchase big-ticket items using your SBI credit card. You can convert transactions worth ₹2,500 or above into EMIs through the Flexipay facility, within 30 days of purchase.

  • Encash

Credit cards from SBI also extend the Encash benefit, offering cash on the go to meet your financial needs. You can avail of the benefit up to or above your credit limit and receive the funds within 48 hours.

  • Cash Advance

Use the card to withdraw cash from any ATM across the country during emergencies, with the cash advance limit typically capped at 80% of the credit limit. Depending on your credit card variant, you can withdraw a maximum amount of ₹12,000 - ₹15,000 per day.

  • Contactless Payments

You can make instant, seamless, and safe payments by simply tapping your contactless card. Furthermore, the SBI Card Pay feature allows you to make payments by tapping your Android smartphone. 

  • Insurance Benefits

Credit cards from SBI also offer a range of insurance solutions to insure yourself and protect your loved ones against uncertainties in life. This includes health insurance, personal accident insurance, and card protection.

  • Seamless Utility Bill Payments

Features like Auto Bill Pay, Register & Pay, and Fast Pay allow you to make utility bill payments seamlessly. You can schedule your utility bill payments so they are paid automatically, and you need not stress about remembering their due dates.

  • Reward Points on Spends

You can accumulate reward points using your SBI credit card for making purchases. You can redeem the SBI credit card reward points against items from the Rewards Catalogue, gift vouchers, or cash.

  •  Airport Lounge Access

Various SBI credit cards provide complimentary domestic and international airport lounge access, letting you relax in style while you wait to board your flight.

  • Add-on Cards

You can apply for add-on cards for your family members above the age of 18, giving them access to a range of benefits extended by SBI credit cards.

  • Other Benefits

Apart from these benefits, credit cards from SBI offer various other perks, such as Easy Money and Card Upgrade. Thus, you can apply for an SBI credit card online and enjoy a wide range of advantages.

 

Now that you know the SBI credit card features and benefits, get your hands on these cards on Bajaj Markets. By applying through this platform, you can get the card instantly with minimal paperwork.

FAQs Related to SBI Card Benefits and Features

Are there any joining benefits on SBI credit cards?

Various SBI credit cards offer various joining benefits like waiver of joining and annual fee, welcome benefits like reward points, and more.

Are there any cashback benefits on the SBI Card?

Depending on the card, there are various cashback benefits offered. For example, the CASHBACK SBI Card gives a cashback of up to 5% on all online spends. And, on every ₹100 spent on fuel, the BPCL SBI Card offers 4.25% value back and 13X reward points.

What is the unique feature of the SBI credit card?

SBI credit cards are loaded with unique features and benefits for their loyal customers. Some of these features are low-interest options, insurance facilities, easy bill payment options, and more.

What benefits do you get on SBI add-on cards?

SBI Add-on cards have all the primary SBI credit card benefits, unless mentioned otherwise. It comprises benefits such as international transactions, waiver on fuel surcharge, reward points on transactions and so on. 

 

The credit limit on the add-on card is the same as the primary card. You can also monitor all the expenses made on your add-on card through the statement of your primary card. 

What benefits and rewards do you get with an SBI credit card?

The SBI credit card benefits include reward points against purchases, bonuses on hotel stays, vouchers and complimentary lounge access at airports. You can also enjoy waiver on fuel surcharge, access to special IRCTC offers and memberships at renowned establishments.

 

You can redeem the accumulated reward points against gift vouchers and merchandise, and save up on monthly and annual expenses using value back and cashback benefits.

Which SBI card has the maximum benefits?

Although all SBI credit cards come with numerous benefits, the SBI ELITE Credit Card offers the most benefits. This premium credit card offers access to airport lounge programs, memberships, welcome gifts, complimentary tickets and accelerated reward point accumulation, among others.

Are there any exclusive benefits for SBI credit card users in terms of fuel savings or cashback at gas stations?

Yes, SBI credit cards like BPCL SBI Card OCTANE and SimplySAVE Advantage SBI Card offer a 1% fuel surcharge at various petrol pumps.

Can I access exclusive benefits like priority customer support or dedicated helplines with my SBI credit card?

Yes, SBI provides 24x7 customer care support for their credit card holders. You can get answers to your queries or share your grievances via the toll-free helpline number, email, and other ways.

Do SBI credit cards provide exclusive lifestyle perks, such as access to premium events or concierge services?

Yes. Various SBI credit cards like the SBI AURUM Credit Card and SBI Card ELITE offer premium services and benefits like concierge services, and Luxe vouchers for several renowned brands.

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