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Focused on making your spends rewarding, different types of SBI credit cards cover a wide range of expense categories and rewards. From travel and fuel to shopping and rewards cards, the choices are endless. However, choosing one card from the different types of SBI credit cards available can be a daunting task. To help you through this process, here’s a guide to the various types of credit cards offered by the bank.

Types of SBI Credit Cards

Catering to the varied lifestyle needs of customers, SBI offers a diverse collection of credit cards online. Here’s a quick overview of the popular types of credit cards the bank offers:

Credit Card Category

SBI Credit Card Name

About the Card

Lifestyle credit cards

SBI Card ELITE 

 

 

SBI Card ELITE- This premium lifestyle credit card brings you 5x rewards on dining, grocery, and department store spends. You also get complimentary Club Vistara and Trident Privilege Program memberships.

Rewards credit cards

SBI Card PRIME

 

 

 

SBI Card PRIME- This rewards credit card brings you 10 reward points on every ₹100 spent on dining, movies, and groceries. Add-on benefits of the card include spend-linked gift vouchers, annual fee waivers on spends of ₹3 Lakhs, and complimentary lounge access visits.

Shopping credit cards

  • SimplySAVE SBI Card - This basic credit card makes everyday spending rewarding by offering 10 reward points on every ₹150 spent on groceries, dining, or movies. You also get an annual charge waiver on yearly spends exceeding ₹1 Lakh. 


  • SimplyCLICK SBI Credit Card -This shopping credit is tailor-made for shopaholics. You get 10X reward points on spends at partner merchant brands like BookMyShow, and others along with 5x rewards on all other online spends. Additionally, the card brings you milestone benefits, fuel surcharge waivers, and contactless payment benefits.

Travel and fuel credit cards

  • BPCL SBI Credit Card - This is a co-branded fuel credit card that offers 13x reward points on fuel spends at BPCL stations. The card combines these savings with a 1% fuel surcharge waiver on fuel spends of up to ₹4,000.

  • IRCTC SBI Card - This co-branded credit card is best-suited for those who prefer railway travel. Apart from a 10% cashback on railway ticket bookings, this card also brings you a 1% transaction charge waiver on railway bookings done through the IRCTC platform. 

Features of SBI Credit Cards - Key Highlights

If you opt for any of the aforementioned types of SBI credit cards, you will get to relish the following features and perks: 

  • Exciting Welcome Bonuses: You can earn e-vouchers from leading partner brands including Hush Puppies, Aditya Birla Fashion, Shoppers Stop,  Pantaloons, and others. Some of these cards even offer bonus reward points on card activation that are redeemable against gifts and merchandise. Fuel credit cards, like the SBI Card Octane, offer reward points redeemable against fuel purchases at BPCL gas stations. 

  • Milestone Benefits: Most of the SBI credit card types covered above bring you exciting milestone benefits. For instance, the SBI Card ELITE offers 10,000 bonus reward points on annual spends of ₹3-₹4 Lakhs. With spends exceeding ₹10 Lakhs, you can earn an annual fee waiver. Additionally, you can also earn e-gift vouchers after crossing certain milestone spend thresholds. 

  • Rewards on Every Spend: You can earn accelerated reward points on category-based spends. For instance, SBI Card PRIME brings you 10 reward points for every 100 spent on the card on groceries, dining, movie tickets, or at department stores. All other retail spends are rewarded with 2 reward points. You can exchange these reward points for gifts, merchandise, airmiles, or cashbacks to settle outstanding dues. 

  • Fuel Benefits: SBI credit cards offer 1% fuel surcharge waivers on fuel spends ranging between ₹500-₹4,000 at petrol pumps across the country. Moreover, with fuel credit cards like the BPCL SBI Credit Card, you can enjoy accelerated savings with up to 13x reward points on fuel spends made at BPCL stations.   

  • Travel Perks and Lounge Access Benefits: You can travel in style with the complimentary airport lounge access benefits available with these SBI credit cards. Depending on the SBI credit card type you select, you can enjoy up to 8 complimentary international and domestic airport lounge visits in a year. Moreover, you can also enjoy free membership to various lounge access programmes. For instance, the SBI Card ELITE brings you complimentary Priority Pass membership, while the SBI Card PRIME offers fee Club Vistara membership.

  • Entertainment Benefits: Made to suit your lifestyle, SBI credit cards offer a wide range of entertainment benefits. With cards like the SBI Card ELITE, you can enjoy 2 complimentary movie tickets every month. Other than that, you can also enjoy discounts and accelerated reward points on dining expenses made at partner restaurants. 

  • Low Forex Charges: The low Forex mark-up of SBI credit cards allows you to travel abroad without any expense concerns. For instance, the SBI Card Elite comes with the lowest Forex rate of 1.99%. Other than that, this card also offers 2 reward points on every international transaction.

  • Contactless Payment Benefits: These chip-enabled SBI credit cards allow you to make convenient contactless payments. All you have to do is wave the card at the NFC-enabled POS machine. This helps lower chances of counterfeit threats and skimming. 

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FAQs on SBI Credit Card Types

Which type of SBI card is the best?

All types of SBI credit cards provide different benefits. So, choose a card that is ideal for you based on your needs, the rewards offered and the annual charges.

How do I know which SBI Card type is meant for me?

Check the SBI credit card types list to assess if you need a lifestyle, travel, shopping or rewards or business card. Then have a look at their features and compare the benefits with your monthly transactions. This way, you can choose the right SBI credit card for yourself.

What are the benefits of using different types of SBI credit cards?

From saving money with discounts and cashback to getting free access to airport lounges, using SBI cards is quite beneficial. You can even get welcome bonuses, gift vouchers and more. Finally, using a credit card and repaying it on time helps you build your credit score.

How do I apply for an add-on SBI Card?

You can apply for an add-on card for almost all types of SBI cards by logging into the SBI net banking portal with your credentials.

What are SBI credit card types and annual charges?

SBI offers a plethora of different credit card variants to cater to the diverse lifestyle needs of customers. From travel and shopping to fuel, rewards, and co-branded banking partnership cards, the choices are endless. The annual charges associated with each card varies depending on the features of the card and the bank’s internal policies. For instance, the annual charges for the SimplySAVE SBI Card are ₹499 while those for SBI Card ELITE are ₹4,999.

Which type of SBI Credit Card is best for beginners?

The SBI Card Unnati is ideal for beginners. It is secured by a fixed deposit and can be used by you if you don’t have a credit score. It is also free for the first 4 years of use.

Which type of credit cards are best for salaried individuals?

It is best to check the SBI credit card types list to compare each card’s benefits based on your spending habits. As a salaried professional, you can enjoy savings with cards such as SBI Paytm, SBI SimplySAVE, and SBI SimplyCLICK.

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