SBI Credit Card Features and Benefits

State Bank of India offers a varied range of credit cards that are uniquely designed to match the specific needs of its users. Each of these cards flaunts carefully thought out features that aid you in availing numerous credit benefits. This includes the bank’s amazing rewards program, minimal interest rate, exciting discounts and cashback, and much more. Depending on your lifestyle, you can choose the SBI credit card that suits you the most, so that you can enjoy maximum benefits.

Key Features and Benefits of SBI Credit Cards

The key features and benefits of the SBI credit cards are mentioned below:

  • Earn Rewards, Bonuses, and Vouchers

The card’s capacity to earn reward points against every transaction is one of the most attractive features. While some transactions can earn 1 reward point, others can earn over 13X reward points. Benefits of SBI card also includes attractive gift vouchers and exciting welcome bonuses. You can use the accumulated bonus and vouchers to enjoy amazing discounts and offers. You can also redeem the credit card rewards to make down payments, purchase flight tickets, book hotel stays, enjoy fuel surcharge waiver, get discounted movie tickets, and more.

  • Complimentary Lounge Access at Airports

SBI card benefits also include complimentary lounge access at airports. This includes complimentary access to International Priority Lounges, outside India, as well as Domestic VISA/Mastercard Lounges, in India. Depending on the credit card scheme, these may vary.

  • IRCTC Offers

SBI credit cards also let you avail exclusive travel privileges, save on transaction charges, get discounted flight tickets and earn amazing value back benefits in the form of reward points, when used for transactions on the IRCTC website.

  • Fuel Freedom

There are dedicated SBI credit cards that offer fuel surcharge waiver as well as value back benefits which allow you to save a huge sum of money. Such SBI bank credit card benefits can be availed when you use the card for fuel purchases at partner gas stations across the country.

  • Privilege Memberships

SBI credit card also offers special complimentary privilege memberships at renowned establishments such as Trident and Club Vistara. Using the card at these locations can earn you bonus points and attractive hotel credits.

  • Flexi Payment on EMI

The SBI credit card allows you to convert all your big and small purchases into easy EMIs. As long as the minimum booking amount is INR 2500 you can avail EMI facility within 30 days of the purchase. The amount you will be charged as EMI can be adjusted and is calculated by considering the repayment tenure, the interest rate, and the down payment amount.

Features and Benefits of Top 5 SBI Bank Credit Cards

The features of the SBI Cards vary from card to card, with each card having a dedicated set of facilities to suit one’s specific needs. Here is a list of five of the top SBI credit cards along with their respective features and benefits:

  • BPCL SBI Card

The BPCL SBI Card, created in collaboration with Bharat Petroleum, helps you save significantly on fuel spends. Using this card at BPCL outlets can earn you a value back benefit of 4.25 percent or 13X reward points on transactions of up to INR 4000. Also, you get an annual fuel surcharge waiver of INR 1200 (INR 200 per month). Additionally, the card offers accelerated rewards on grocery, dining, and movie ticket expenses, along with rewards for non-retail purchases, welcome gift vouchers, contactless advantage, premium security, and much more.

  • SimplySAVE SBI Card

This credit card offers rewards and discounts on every purchase thereby allowing you to save massively on everyday expenditure. There is also the provision of annual membership fee reversal against spends of INR 1,00,000 on the first year. The card is accepted all over the world, making it ideal for travel.

  • IRCTC RuPay Card

To make travel rewarding and worry-free, this SBI credit card offers exclusive travel privileges, amazing discounts, and reward points on transactions made on the IRCTC website. There are also great offers from RuPay on a range of entertainment options such as travel, golf, and dining.

  • SBI Card ELITE

This SBI card features some of the best advantages that SBI has to offer. This includes complimentary Trident Privilege Red Tier membership with access to exclusive welcome points on registration, bonus points on your first stay along with additional hotel credits on extended night stay. You also get e-gift vouchers, ELITE Rewards, Domestic airport lounge access, International Lounge access, premium security, and much more.

  • SBI Card PRIME

SBI Card PRIME offers four complimentary visits to International Priority Pass Lounges per year and eight complimentary visits to Domestic Mastercard/ VISA Lounges per year. You also get exclusive milestone benefits, PRIME benefits, complimentary Club Vistara membership, and much more.

Why choose SBI Credit Card from Finserv MARKETS

There are multiple reasons to choose Finserv MARKETS to apply for SBI Bank Credit Cards:

  • Rewards & Discounts

Get some of the best rewards on SBI Credit Cards on Finserv MARKETS. Apply for Credit Cards online at Finserv MARKETS and get Credit Cards packed with rewards and offers from your favorite brands.

  • One Platform, Many Cards

At Finserv MARKETS, we have just the right amount of Credit Cards for you. Whether you want a Credit Card that gets you discounts on shopping or the one that saves on your fuel costs, we have it all!

  • Joining Benefits

Enjoy assured joining benefits on multiple Credit Cards at Finserv MARKETS as soon as you join. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashback, and much more! If you are a student, then you can apply for a Student Credit Card to avail benefits.

  • Convert Purchases into EMIs

Purchases through any of the SBI Credit Cards available at Finserv MARKETS can be converted into EMIs easily. Apply for an SBI credit card online today.

  • Stringent Security Measures

With cyber-crime a reality, your SBI Credit Card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!  

Frequently Asked Questions About SBI Credit Card Benefits and Features

  • ✔️What are the features of SBI credit cards?

    Some of the key features of an SBI credit card include its capacity to earn you reward points, bonus and vouchers, give complimentary lounge access at airports, get you fuel freedom advantage, provide access to special IRCTC offers, offer privilege memberships at renowned establishments, and provide the scope for making flexible payments using EMI. 

  • ✔️What are the benefits of using an SBI credit card?

    The benefits of SBI credit cards include the opportunity to unwind and relax at airport lounges, earn reward points against purchases, get credits and bonuses on hotel stays, redeem accumulated reward points against gift vouchers and merchandise, save on monthly and annual expenses using value back and cashback benefits, and much more.