State Bank of India (SBI) Credit Cards are specifically designed to cater to all your financial needs. With features such as attractive rewards, exciting cashback across diverse categories such as travel, grocery shopping, fuel spends, and advanced security measures, SBI Credit Cards offer a range of benefits. If you are looking to apply for a credit card that gives you the ultimate benefits, you must apply for a SBI Credit Card without further ado and make the most of your transactions. For this, you must know the simple application process; read on.
The online application process for SBI Credit Cards is straightforward. You can complete the application procedure via the Bajaj MARKETS website and app both. Follow the steps mentioned below to apply for a SBI Credit Card online.
Step 1: Visit the Bajaj MARKETS SBI Credit Card page.
Step 2: Click on the ‘Apply Now’ option on the SBI Credit Card page.
Step 3: Fill in the requested details such as mobile number, date of birth, and employment status.
Step 4: Click on ‘Check your offer’ to know your eligibility.
Step 5: Depending on your spending habits and requirements, select the best SBI Credit Card and complete the SBI Credit Card online application process.
Now that you know about the online SBI Credit Card application process, let’s discover some of the top credit cards available at Bajaj MARKETS.
SBI Credit Cards are specially designed to cater to your specific needs. Depending on the credit card type you want, you must fulfil specific eligibility criteria. However, there are certain general eligibility parameters that you must meet. These are as follows:
Age: Between 21 to 70 years
Employment status: Salaried or self-employed
Income: Must have a regular source of income
Credit Score: 750 and above
Following is a list of documents that you must submit along with the duly filled SBI Credit Card application form:
Proof of Identity: Passport, driving license, PAN card, Aadhaar card, Voter's ID card, Overseas Citizen of India card, Person of Indian Origin card, job card issued by NREGA, letters issued by the UIDAI, or any other government-approved photo ID proof.
Proof of Address: Passport, driving license, Aadhaar card, Voter's ID card, utility bill not older than 3 months, ration card, property registration document, job card issued by NREGA, and any other address proof approved by the government.
Proof of Income: Latest salary slips for two months (not more than 3-months old), latest bank statement (not more than 3-months old), ITR with audited financials and computation of income.
Once you have applied for the best SBI Credit Card, you can easily check the SBI Credit Card application status via online and offline mediums both.
The SBI Credit Card rewards programme is designed to help you earn reward points against your purchases. You can earn SBI credit card reward points and redeem them on dining, movies, departmental stores, fuel, flight tickets, shopping, utility bill payments, and grocery spends. Apart from the general rewards, you also get access to accelerated rewards on your purchases. Along with this, the bank also gives you access to exclusive SBI Credit Card offers from time to time to help you save more on your purchases.
The usage of SBI Credit Cards is multifaceted. From grocery shopping, dining, to spending on fuel and paying utility bills, you can use this card for a variety of purposes. Subsequently, knowing its features and benefits is imperative to get the maximum advantages. The features and benefits of SBI Credit Cards are discussed below:
With your IRCTC RuPay Credit Card, you can save 1% transaction charges on railway ticket bookings on www.irctc.co.in. In addition, you can earn up to 10% value back as reward points for ticket bookings through www.irctc.co.in and IRCTC mobile app. Avail exclusive travel privileges by obtaining IRCTC RuPay Credit Card.
You can earn Reward Points (RP) every time you spend on groceries, departmental stores, movies, and dining with your SBI Credit Card. Moreover, you also get value back benefits on fuel purchases at BPCL petrol pumps.
The SBI Card ELITE and SBI Card PRIME allows you to enjoy complimentary Trident Privilege Red Tier Membership. Red Tier is the base tier of this programme and rewards you with 10 points for every spend of ₹100 at any participating Trident hotel.
With your SBI card, paying your utility bills has become easier. Now, with the help of advanced features like Auto Pay, Register & Pay, and Fast Pay, you can ensure timely bill payments.
State Bank of India offers all-around protection in the event of card loss, fraud, or theft. Get an SBI Credit Card and insure yourself against all kinds of uncertain events.
There are different types of SBI Credit Cards, some of which offer complimentary domestic and international lounge access every calendar year.
You can transfer your outstanding amounts from other credit cards to your SBI Card at a reduced rate of interest. With the exclusive balance transfer feature, you can get the opportunity to save more money with lower interest rates. What’s more! The Flexipay option allows you to repay via easy EMIs in tenures ranging from 3, 6, 9, 12, and 24 months.
The SBI Encash option gives you a quick access to funds which are over and above your credit limit. You can receive the fund in your account within 48 hours and repay in tenure ranging from 12 and 48 months.You can even use your new SBI Credit Card to withdraw money from any ATM in India.
SBI offers a contactless payment option to make your shopping hassle-free. Avail a contactless SBI Credit Card today and enjoy the contactless chip technology which helps to save your time. In addition, the ‘SBI Card Pay’ allows you to make payments by using your Android smartphone and eliminates the need of carrying cards. Furthermore, you can make instant payments by scanning Bharat QR through SBI Card mobile app.
If you are an SBI Credit Card holder, you can get details of products and services offered by SBI Credit Card anytime by logging in to sbicard.com. In addition, you can get the details of your SBI Credit Card account on your registered mobile number via SMS using the missed call service.
State Bank of India offers the facility to upgrade your SBI Card to get maximum rewards and benefits. Along with that, you can apply for a free add-on SBI Credit Card and enjoy a shared credit card limit with the primary card.
Nearly all SBI Credit Cards offer these features and benefits. You can compare SBI Credit Cards by analysing their features and benefits and select a suitable one.
The following section talks about SBI Credit Card fees and charges:
Varies from card to card
2.5% of the amount withdrawn or ₹500, whichever is higher, will be levied at domestic and international ATMs.
Up to 3.50% per month or 42% per annum (this amount is subject to change).
Late Payment Charges
₹0 to ₹500: Nil
₹501 to ₹1,000: ₹400
₹1,001 to ₹10,000: ₹750
₹10,001 to ₹25,000: ₹950
₹25,001 to ₹50,000: ₹1,100
₹50,001 and above: ₹1,300
Note: You must pay an additional late payment charge of ₹100 in case you miss the minimum amount due by the due date for two consecutive cycles. You have to continually pay this charge for each new payment cycle until you clear off the minimum amount due.
₹250 plus GST
In case you have any queries related to your SBI Credit Card, you can call the SBI Credit Card customer care number on 1860 500 1290, 1860 180 1290, 3902 0202 (prefix local STD code) or 1800 180 1290 (toll-free).
You can also send your queries by clicking on the ‘Email Us’ option available on the ‘Get in Touch’ page on the SBI official website. Alternatively, you can visit the nearest SBI branch or send in your query by post or SMS. You can even contact customer care to check SBI Credit Card application status, block your lost SBI Credit Card, and other purposes.
There are multiple reasons to choose Bajaj MARKETS to apply for SBI Credit Cards:
Get some of the best rewards on SBI Credit Cards on Bajaj MARKETS. Apply for SBI Credit Cards online at Bajaj MARKETS and get one packed with rewards and offers from your favourite brands.
Enjoy assured joining benefits on SBI Credit Cards at Bajaj MARKETS as soon as you join. Use SBI Credit Card for online shopping and get amazing discount vouchers from top e-commerce sites and also enjoy fuel surcharge waivers, cashback, and much more!
At Bajaj MARKETS, we have every credit card to suit all your requirements. Whether you want a credit card that gives you discounts on shopping or one that saves on fuel costs, we have it all!
Purchases made through any of the SBI Credit Cards available at Bajaj MARKETS can be converted into EMIs easily. Apply for an SBI Credit Card online today.
Among the many great deals on SBI Credit Cards available at Bajaj MARKETS is the option to secure a personal loan against the credit card. What’s more! You can repay the loan amount in easy EMIs.
To save you from the horrors of cyber-crime, credit cards available at Bajaj MARKETS come with advanced security features. Avail the best SBI Credit Card now and get protection against any kind of fraud.
Meet urgent cash crunch by using SBI Credit Cards. You can withdraw cash whenever and wherever you need by using a SBI Credit Card.
SBI SimplyCLICK and SBI SimplySAVE are considered good for first-time credit card users. Both these credit cards come with a minimal annual and renewal fee and offer a host of attractive benefits.
It may take up to 21 days to get an SBI Credit Card post successful submission of accurate documentation and application form.
All SBI Credit Cards (except some) come with an annual fee. This fee tends to vary from one credit card type to another. However, in some cases, you might be able to enjoy an annual fee waiver on certain credit cards against milestone spends.
Yes, the State Bank of India has a special app for credit cards known as the ‘SBI Card Mobile App’. It is available on iOS and Android both. It can be used to easily manage and avail services on your SBI Credit Card.
Yes, you can use the credit card cash withdrawal feature to withdraw money on your SBI card. However, you will be able to withdraw only 80% of the credit card limit and would be required to pay a finance charge of up to 3.35% every month till the advance amount is cleared in full.
The documents acceptable for SBI Credit Card application are as follows:
Latest salary slips for two months (salaried individuals)
Latest year ITR with audited financials and computation of income (self-employed individuals)
ID and address proof documents (valid passport issued by Govt. of India, driving license, proof of possession of Aadhaar number (Aadhaar card/E-Aadhaar), Voter's ID card, job card issued by NREGA and duly signed by an officer of the state government.
The SBI Credit Card limit is the maximum amount that you can borrow on your SBI Credit Card. On the other hand, the available credit limit on your SBI Credit Card is the amount that is currently available for purchases. You can keep a check on your SBI Credit Card usage via SMS. Simply type AVAIL XXXX (last 4 digits of your SBI Credit Card) and send it to 5676791 from your registered mobile number.