SBI Credit Cards in India

From lifestyle and travel to shopping and rewards, you can get a variety of cards from the issuer on Bajaj Markets. The lowest annual fee is just ₹300, and the lowest joining fee is ₹499. 

You can check the details below:

With over 18.5 million credit cards in circulation, SBI Card is a trusted and highly preferred credit card issuer. Its credit cards are available in a number of categories, such as shopping, travel, premium, and more.

The issuer has wide-ranging tie-ups that offer you the chance to save on a range of expenses. These include ride-sharing apps like OLA, travel companies like Vistara, hospitals like Apollo, and more. 

SBI Card is the only issuer in the country that offers you 14 modes to make payments related to credit cards. This includes its app, ATM, online account, auto debit, UPI and more. You can manage your card better with its WhatsApp services and by getting over 60 types of alerts on your registered number.

The perks and rewards you get vary as per the credit card you choose. While these offers may change with time, here is a glimpse of a few benefits you can enjoy:

SimplySAVE SBI Card

• Earn 2,000 bonus points as a welcome benefit on spending ₹2,000 within the first 60 days

• Get cashback of ₹100 on withdrawing cash from an ATM within the first 30 days

• Enjoy up to 10X reward points on every ₹150 you spend on eligible purchases

IRCTC RuPay SBI Card

• Save more with up to 10% value back as reward points on eligible train bookings on IRCTC

• Travel comfortably with free access to partner railway lounges 4 times a year

• Earn 1 reward point on every ₹125 you spend on eligible transactions

SimplyCLICK SBI Card 

• Earn 10X points when you shop online from partners like Myntra, Swiggy, and more

• Get a fuel surcharge waiver of 1% up to ₹100 in a statement cycle

• Enjoy a gift card from Amazon India worth ₹500 on paying the annual fee

Lifestyle Home Centre SBI Card 

• Earn 5X points on every ₹100 you spend at retail and online Landmark Stores

• Get a welcome bonus of 2,000 reward points on paying the annual fee

• Rack up milestone rewards worth ₹4,000 on crossing spending thresholds 

BPCL SBI Card 

• Activate your card by paying the joining fee and get reward points worth ₹500

• Get 4.25% as value back on fuel every month by refuelling at BPCL pumps

• Earn 5X reward points every month on eligible purchases 

BPCL SBI Card OCTANE

• Earn 7.25% (6.25% + 1%) value back on fuel purchases and 1% surcharge waiver at BPCL pumps

• Travel comfortably with 4 complimentary visits to VISA airport lounges in India

• Convert spends over ₹2,500 into flexible EMIs

SBI Card PULSE 

• Enjoy a complimentary Noise ColorFit Pulse 2 Max Smart Watch as a welcome benefit

• Renew your card and get free FITPASS PRO and Netmeds First memberships

• Get an e-voucher of ₹1,500 on spending ₹4 Lakhs in retail purchases annually

Max SBI Card SELECT

• Get 10 reward points on every ₹100 you spend at Landmark Stores and other eligible categories

• Earn points worth ₹8,600 as milestone rewards on crossing spending thresholds

• Pay the joining fee and earn 6,000 points on paying renewal fees

SBI Card PRIME

• Annual fee waiver on annual spends of over ₹3 Lakhs

• Enjoy an e-gift voucher worth ₹3,000 and shop from brands like Shoppers Stop and Yatra

• Earn 10 points on every ₹100 spent on eligible transactions 

SBI Card ELITE

• Get points worth ₹12,500 per year on reaching spending milestones

• Enjoy a voucher worth ₹5,000 as a welcome bonus from brands like Yatra and Bata

• Get 5X accelerated rewards on eligible spends

Central SBI Select Credit Card

• Earn bonus SBI credit card Reward Points on shopping at Central Stores, dining at restaurants, and purchasing movie tickets

• Get a ₹3,000 Central e-gift voucher

• Get complimentary m-coupons worth ₹500 each for the first 3 months

SBI FBB StyleUP Credit Card

• Earn 10X rewards on purchases made at Big Bazaar, FBB, and Food Bazaar

• Enjoy 10X rewards on dining at partner restaurants

• Get a 1% fuel surcharge waiver up to ₹100 on transactions up to ₹3,000

The issuer offers a great rewards program that allows you to redeem points for shopping for electronics, books, dining expenses, and more. You can even redeem points for e-vouchers and travel bookings. Some brands you can spend and earn rewards through include Amazon, OLA, BookMyShow, Yatra.com, and Swiggy. 

Here are some crucial points worth knowing about rewards that these credit cards offer:

• Redeem points on the SBI Card website or mobile app, or via selected partners by logging in with your SBI Card online, using the username and password

• In most cases, 4 Reward Points = ₹1

• Charges of ₹99 are applicable on redemption

• Points expire 24 months after you earn them

• You cannot transfer points from one credit card to another

• If you choose to redeem points as a physical voucher, it is valid for 3 months

• Pay your credit card bill using points in multiples of 2,000

The qualifying criteria differ from one card to another, so check the eligibility for the specific SBI credit card you want to get. This will help you get quick approval for the card you desire. Here are some general eligibility terms set by the issuer.

To qualify, you need to be:

• Between 21 and 70 years of age
  

• Employed (salaried or self-employed) with a regular source of income
  

• Creditworthy with a good credit score

The documents you submit allow the issuer to verify your details and ensure you meet all the eligibility parameters. Ensure you keep them all handy for a quick process. Here is the general list of documents: 

• Identity Proof:

  • PAN card

  • Aadhaar card

  • Passport

  • Colour photographs

• Address Proof:

  • Ration card

  • Utility bill (electricity, water, phone)

• Income Proof:

  • Salaried: Latest salary slips (past 2-3 months), Form 16

  • Self-employed: Income Tax Returns (ITR), bank statements showing income

The exact fees you pay will come down to the type of card you own, your usage, and the facilities you utilise. Here are the general charges you can expect to incur while using a credit card from this issuer:

No matter which card you wish to get, applying online is easy and quick. On Bajaj Markets, you can check the card offers before you apply. 

You can apply for SBI Credit Cards in the following way:

1. Click on ‘Check Card Offer’

Fill in your phone number, date of birth, occupation, and other required details

2. Enter the One-Time Password (OTP)

You will receive an OTP on your mobile number. Enter it to proceed

3. Verify the Pre-filled Details

Ensure that your PAN card number, residential PIN code, email address, and income are correctly pre-filled

4. Apply for the Suitable Card

Choose the card that best suits your needs from the available options

5. Click on ‘Submit’

After reviewing your details, click on ‘Submit’ to complete your application

To raise a query or address issues relating to your card, reach out to SBI Card’s customer care:

• Customer Care Numbers:

  • 1860 500 1290, 1860 180 1290, 39 02 02 02 (Prefix local STD code) or 1800 180 1290 (toll-free)

  • Customer care executives will be available 8 AM - 8 PM from Monday to Saturday

• Email:

  • customercare@sbicard.com

Before you can start using your credit card, you will need to activate it. To do so, you can:

1. Log in to your card account and set up a new pin
   

2. Reach out to the issuer via email or the helpline number
   

3. Log in and message the chatbot ILA to activate your account

To raise a query or address issues relating to your card, reach out to SBI Card’s customer care:

• Customer Care Numbers:

  • 1860 500 1290, 1860 180 1290, 39 02 02 02 (Prefix local STD code) or 1800 180 1290 (toll-free)

  • Customer care executives will be available 8 AM - 8 PM from Monday to Saturday

• Email:

  • customercare@sbicard.com

Before you can start using your credit card, you will need to activate it. To do so, you can:

1. Log in to your card account and set up a new pin

2. Reach out to the issuer via email or the helpline number

3. Log in and message the chatbot ILA to activate your account

If you have a credit card from this issuer and want to close your account, you can do so.

1. First, get a true sense of what closing a credit card account means. It implies that you will no longer be able to use the credit card for transactions.
   

2. There are chances that this may affect your credit score and purchasing power. Whenever you are ready to get a new credit card, you can compare suitable options on Bajaj Markets.
   

3. Before closure, ensure you pay off outstanding dues and redeem the remaining reward points.
   

4. To proceed with closure, submit your card account termination request. You can do so via the helpline, e-mail, website, or mobile app.
   

5. The issuer will initiate the process to close your credit card if you don’t use it for over one year. If you don't reply to its communication within 30 days, the card account will be closed, provided all pending dues have been paid.

If you default on credit card payments, the issuer will send you reminders from time to time to settle all outstanding bills. This will be done either by e-mail, SMS, telephone, post, fax, or any other mode decided by the issuer. Sometimes, third parties will be involved to remind, follow up, and collect these dues. 

These parties will adhere to the debt collection code of conduct. You will also get one month’s notice before the issuer reports the default to a credit information company. If you clear your overdue balance even after being reported as a defaulter, SBI Card will withdraw this status.

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.