Credit Card

SBI Credit Cards

Overview

State Bank of India presents a wide range of credit cards designed specially to suit the financial needs of the cardholders. This exciting range of various Credit Cards are now available at Finserv MARKETS in just a few simple clicks. From minimal finance charges to an amazing rewards program, SBI credit cards come pre-equipped with several benefits. SBI Credit Cards offer excellent discounts & reward points on travelling, dining, shopping and much more. You get to enjoy benefits like regular cashbacks and low-interest charges, amongst many others. If you are looking for a new credit card, take a look at the features and benefits of SBI Credit Cards to choose one that best suits you.

SBI Credit Cards

BPCL SBI Card

  • Joining Fees
    ₹499 + GST
  • Renewal Fee
    ₹499 + GST
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BPCL SBI Card

  • Benefits
    The BPCL SBI Card is launched in collaboration with Bharat Petroleum. It lets you save huge on your fuel spends. Additionally, it offers welcome gift vouchers, premium security, contactless advantage and much more.

SimplySAVE SBI Card

  • Annual Fee
    ₹499 + GST
  • Renewal Fee
    ₹499 + GST
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SimplySAVE SBI Card

  • Benefits
    The SimplySAVE SBI Card is designed to help you save big time on your everyday expenditure. Hence it offers rewards points and discounts at most of your transactions. The SimplySAVE SBI Card comes with reward points on movies, dining, and even grocery shopping. It is accepted worldwide so you can plan your travel without any worries.

IRCTC RuPay Card

  • Annual Fee
    ₹500 + GST
  • Renewal Fee
    ₹300 + GST
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IRCTC RuPay Card

  • Benefits
    The IRCTC RuPay Card is specially designed to let you save on your railway ticket bookings. Launched in collaboration with IRCTC, the Credit Card offers amazing discounts and reward points to make your travel worry-free. The IRCTC SBI Card brings you great offers on travel, golf, dining and other entertainment options from RuPay.

SBI Card ELITE

  • Annual Fees
    ₹4999 + GST
  • Renewal Fees
    ₹4999 + GST
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SBI Card ELITE

  • Benefits
    The SBI Card ELITE, as the name suggest, is the crème de la crème of Credit Cards. It is a top-notch Credit Card that brings you the best of everything including e-gift vouchers, ELITE Rewards, International Lounge access, complimentary Club Vistara membership, Domestic airport lounge access, premium security and much more.

SimplyCLICK SBI Credit Card

  • Annual Fees
    ₹500 + GST
  • Renewal Fees
    ₹500 + GST
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SimplyCLICK SBI Credit Card

  • Benefits
    The SimplyCLICK SBI Credit Card offers amazing discounts on your daily purchases and comes pre-equipped with amazon vouchers, gets you fuel surcharge waivers, cash on the go, premium security and much more.

SBI Card PRIME

  • Annual Fees
    ₹2999 + GST
  • Renewal Fees
    ₹2999 + GST
Know More

SBI Card PRIME

  • Benefits
    The SBI Card PRIME is one of the most premium Credit Card that you can own in India. It brings you a host of rewards points and discounts that make it live up to its name. The SBI Card PRIME comes with exclusive PRIME benefits, milestone benefits, complimentary Club Vistara membership, airport lounge access, premium security and much more.

Types of SBI Bank Credit Cards

 BPCL SBI Card

The BPCL SBI Card is launched in collaboration with Bharat Petroleum. It lets you save huge on your fuel spends. Additionally, it offers welcome gift vouchers, premium security, contactless advantage and much more.

SimplySAVE SBI Card

The SimplySAVE SBI Card is designed to help you save big time on your everyday expenditure. Hence it offers rewards points and discounts at most of your transactions. The SimplySAVE SBI Card comes with reward points on movies, dining, and even grocery shopping. It is accepted worldwide so you can plan your travel without any worries.

IRCTC RuPay Card

The IRCTC RuPay Card is specially designed to let you save on your railway ticket bookings. Launched in collaboration with IRCTC, the Credit Card offers amazing discounts and reward points to make your travel worry-free. The IRCTC SBI Card brings you great offers on travel, golf, dining and other entertainment options from RuPay.

SimplyCLICK SBI Credit Card

The SimplyCLICK SBI Credit Card offers amazing discounts on your daily purchases and comes pre-equipped with amazon vouchers, gets you fuel surcharge waivers, cash on the go, premium security and much more.

SBI Card ELITE

The SBI Card ELITE, as the name suggest, is the crème de la crème of Credit Cards. It is a top-notch Credit Card that brings you the best of everything including e-gift vouchers, ELITE Rewards, International Lounge access, complimentary Club Vistara membership, Domestic airport lounge access, premium security and much more.

SBI Card PRIME

The SBI Card PRIME is one of the most premium Credit Card that you can own in India. It brings you a host of rewards points and discounts that make it live up to its name. The SBI Card PRIME comes with exclusive PRIME benefits, milestone benefits, complimentary Club Vistara membership, airport lounge access, premium security and much more.

Key Features

  • Value Back Benefits

    You can buy tickets through irctc.co.in for AC1, AC2, AC3 and AC CC and earn up to 10% value back as Reward points exclusively on your IRCTC RuPay Credit Card (1 Reward Point = Rs. 1). Also earn 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at irctc.co.in.

  • Travel Offers from IRCTC

    With your IRCTC RuPay Credit Card, you can save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Avail exclusive travel privileges via the official IRCTC website. Book your airline tickets with IRCTC at unbeatable prices.

  • Reward Benefits

    Earn up to 5X Reward Points with your BPCL SBI Credit Card on every Rs. 100 spent at Groceries, Departmental stores, Movies & Dining. Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases.

  • Spend Based Reversal

    Get annual membership fee reversal from second year of your subscription on SimplySAVE Credit Card. To avail fee reversal, you need to have spent Rs. 1,00,000 or more on your SimplySAVE SBI Credit Card in the previous year.

  • Airport Lounge Access

    Get 4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter) and 8 complimentary visits per calendar year to Domestic VISA/Mastercard Lounges in India (max. 2 visits per quarter) with your SBI Card PRIME.

  • Fuel Freedom Benefits

    With your BPCL SBI Credit Card, you can earn 4.25 % value back (13X Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of up to Rs. 4,000), at any BPCL petrol pump across the country. Get surcharge waiver of up to Rs. 100 in a month, which is equivalent to an Annual Saving of Rs. 1200.

  • Trident Privilege Membership

    Enjoy complimentary Trident Privilege Red Tier membership on your SBI Card ELITE. Also get exclusive 1,000 Welcome Points on registration. Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay.

  • e-Shopping Rewards

    Earn 10X Reward Points on online spends with exclusive partners with your SimplyCLICK SBI Credit Card - Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds / UrbanClap. Earn 5X rewards on all other online spends.

Eligibility Criteria & Documents Required

  • Salaried applicant should be between the age of 21-55 years of age.
  • Self Employed applicant should be between the age of 21-70 years of age
  • The individual should be a Resident of India
  • Latest 3 months’ salary slip/Form 16/IT return copy as proof of income
  • Residence proof
  • Identity proof

Why choose SBI Credit Cards on Finserv MARKETS

There are multiple reasons to choose Finserv MARKETS to apply for SBI 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 favourite brands.

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, cashbacks and much more!

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!

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 Credit Card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!

How to Apply for the SBI Credit Card Online?

Just follow these 5 simple steps to apply for the SBI Credit Card online and you’re done!

  • Visit Finserv MARKETS

    Visit us online

  • Fill in your details

    Help us with a few of your details

  • Check out the list of multiple SBI Credit Cards

    Compare between the multiple options available

  • Make a Choice!

    Select the SBI Credit Card that best suits your style

  • Submit your form

    And you're all set!

 

What are the Key Benefits of SBI Credit Cards

 

All Credit Cards from SBI offer a range of benefits including:

 

Auto payment of bills

 

With your credit card, paying your utility bills is hassle free. The auto bill payment option called Easy Bill Pay allows you to make timely payments each month. You can register and pay your utility bills, insurance premiums, and electricity and telephone bills.

 

Protection of Insurance

 

State Bank of India, in partnership with CCP, offers all-round protection in the event of card loss, fraud, or theft. Cardholders enjoy premium facilities like emergency travel assistance, banking protection, free replacement of lost card, and more.

Low Rate of Interest

 

You can transfer your outstanding amounts from other credit cards to your SBI Credit Card at a very low rate of interest. With the exclusive balance transfer feature, you can easily avoid paying interest on multiple cards.

 

Convenient access to your account

 

You can easily access your SBI Credit Card account online or download the SBI Credit Card mobile app and conveniently make multiple bill payments, clear your outstanding balance, and do much more anytime, anywhere.

 

Funds for your immediate cash requirements

 

Your SBI Credit Card can be very helpful, especially if you need additional funds in case of an emergency. With the SBI Encash facility, you can get quick access to funds. You could get an amount above or within your credit limit transferred to your account within 48 hours with Encash. Repayment can be made in convenient 12, 24, or 36-month instalments.

 

Manage all your Credit Card queries here

  • ✔️ What are the options for redeeming my credit card Reward Points?

    Reward points accumulated on your credit card account can be redeemed in the following ways :-

    • Redemption against Gift Voucher can be made through sbicard.com or SBI Credit Card mobile app.
    • Redemption against Cash can be made by writing to us as sbicard.com/email or by calling us at our helpline. 
  • ✔️How can I redeem my credit card reward points through Website?

    Step 1- Login to sbicard.com
    Step 2- Click on “Rewards” and then click on “Redeem Rewards”.
    Step 3- Browse through the Rewards Catalogue and choose item of your choice
    Step 4- Click on “Redeem now” and confirm.

  • ✔️Within what time will I get the items redeemed against the rewards points?

    E Vouchers : Delivered in 05 calendar days on best effort basis

    Gifts : Delivered in 15 calendar days on best effort basis

  • ✔️How do I become eligible for a Credit Limit Increase (CLI)?

    Cardholders can get their limit revised in the following ways:

     

    A. Pre-approved Credit Limit Offer ( Zero document approval )

    • SBI Credit Card regularly identifies select cardholders for a Pre-approved Credit Limit Increase offer basis internal risk policy
    • Eligible cardholders will receive an increased Limit offer through their registered Mobile Number via SMS, on Email, Monthly Statement and in Post Login Section
    • Eligible cardholders can avail this offer without any additional documentation requirement

    How can I get my Credit Limit increased for Pre-Approved offer?


    To get the Credit Limit increase on your card, follow the below mentioned steps:


    Website:

    • Login to sbicard.com and click on Offers or Benefits tab on left hand side
    • Check for any Credit Limit Increase offer on your account & click on the ‘Submit’ button.

    Chatbot ILA:

    Login to Chatbot ILA on the SBI card website or you can search your query on https://ila.sbicard.com/.


    SMS:

    • SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number


    B. Credit Limit Increase with Income documentation

    • In case you wish to increase limit beyond the eligible Limit offered by SBI Credit Card, please call on SBI Credit Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code) and check with the customer care executive regarding your eligibility for a credit limit increase basis income documents
    • The following income documents are accepted.
    • Form 16
    • ITR VI
    • Last 3 months’ salary slip
    • Soft copies of the aforementioned documents can be submitted to us at www.sbicard.com/email
    • You can mail your relevant income documents to: Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002
    • Post receipt and review of Income documents, the request for Credit limit increase will be fulfilled in accordance with the internal Risk Policy
  • ✔️In case of an upgrade from a lifetime free card or a flip to a same variant card, will the new card be chargeable?

    Yes, the new card will be chargeable in case of any upgrade or flip. Upgrade to a higher card variant would always be done at a charge, subject to requisite approvals. 

  • ✔️What are the documents acceptable for SBI Credit Card?

    S. No

    Document

    Accepted As identity proof

    Accepted as Residence proof

    1

    Copy of Passport / Voter Card/ Driving License/ Aadhar Card

    YES

    YES

    2

    Copy of PAN Card

    YES

    NO

    3

    Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies.

    NO

    YES



  • ✔️What is the SBI Credit Card credit limit?

    Total Credit Limit: It is the maximum credit limit you can avail on your SBI Credit Card.

     

    Available Credit Limit : It is the credit amount available for purchases as on date.

     

    SMS AVAIL XXXX (XXXX = Last four digits of your SBI Credit Card) from registered mobile number) to know more about your SBI Credit Card limit.

  • ✔️How do I check if I am eligible for Pre-approved Credit increase offer?

    Though all eligible customers are informed via SMS, alternatively you can also check your eligibility for pre-approved credit increase offer.

    • Login to sbicard.com and click on ‘Offers’ or ‘Benefits’ tab on left hand side. Check for any credit limit increase offer on your account & click on the ‘Submit’ button.

    • In case you are eligible, then send SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number, or write at sbicard.com/email.

    • Alternatively, you can call on the helpline number at 39 02 02 02 (prefix local STD code) or 1860 180 1290.

  • ✔️What is Cash limit?

    • Cash Limit is the amount included in the credit limit assigned to your card account that can be withdrawn as cash.

    • Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.

  • ✔️Should I hold my Credit Card payments during the moratorium extension period?

    In case you opt to avail the moratorium extension for your credit card dues, you may hold the payment during moratorium extension period. However, kindly note that the moratorium extension merely defers the payment. Your credit card dues will continue to accumulate interest, other applicable charges (other than Late Payment Fee) and residual GST (as per Cardmember Terms & Conditions). Hence, it is advisable for you to make your card payments regularly:

     

    1. To lessen your burden from accumulation of outstanding amount;

    2. To avoid interest which will continue to accrue on the outstanding amount at applicable 3. Interest rate associated with your card account

    4. To ensure that your card is not restricted for usage based on internal policies