✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card from SBI Bank now! Apply Now

Features and Benefits of SBI Credit Cards

SBI credit cards inherently come with myriad exciting features and benefits. Different credit cards have varying perks, making them unique. However, most credit cards share similar features and benefits as these cards are designed to enhance convenience.


The following are some of the most common features and benefits associated with SBI credit cards.

  • Lower Interest Option

One of the major SBI credit card benefits is the lower interest option, and 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 Encash up to or above your credit limit and receive the funds within 48 hours.

  • Cash Advance

You can use the SBI credit 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

With an SBI credit card, 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. You can also scan the Bharat QR to make instant payments.

  • 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 won’t have to worry about remembering their due dates.

  • Reward Points on Spends

You can accumulate reward points by 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.

FAQs on SBI Card Benefits and Features

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

Depending on the card, there are various cashback benefits offered. For example, the Tata Platinum card gives a cashback of up to 5% in selective retail outlets, and on every ₹100 spent on fuel, the BPCL SBI Card offers 4.25% value back and 13X reward points.

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.

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. 

The SBI credit card benefits include reward points against purchases, bonuses on hotel stays, vouchers, complimentary lounge access at airports, waiver on fuel surcharge, access to special IRCTC offers, memberships at renowned establishments, and the scope for making flexible payments using EMI.

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.

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, accelerated reward point accumulation, lowest forex markups, and an exclusive concierge, among others.

Download App
Credit Score